ADVR Inc

Item 5: Fees and Compensation

A.    Fees for Advisory services are negotiable, but generally range from $3,750 to $5,000 per year on a
      flat fee basis or 0.5-1.0% of assets under management for an asset-based fee, depending upon
      the level and scope of the services required. If a client determines to engage Advisor to provide
      discretionary investment management services, such services shall be considered in determining
      the client’s overall fee. Other factors considered include, but are not limited to the level and scope
      of the overall investment advisory services to be rendered and the complexity of the engagement.

      Advisor shall price its investment management and financial consulting services based upon
      various objective and subjective factors. As a result, Advisor’s clients could pay diverse fees
      based upon the complexity of the engagement, the anticipated number of meetings and servicing
      needs, related accounts, future earning capacity, managed assets and the level and scope of the
      overall services to be rendered. As a result, similar clients could pay different fees. Moreover, the
      services to be provided by Advisor to any client could be available from other advisers at lower
      fees. Advisor may be incentivized to recommend an asset-based fee structure over a flat fee for
      accounts above a certain size.

B.    Advisor typically bills for its financial planning services quarterly in advance. Clients may elect to
      have Advisor’s advisory fees deducted from their custodial account, or charged to their credit
      card. Both Advisor's advisory agreement and the custodial/clearing agreement may authorize the
      custodian to debit the account for the amount of Advisor’s advisory fee and to directly remit that
      management fee to Advisor. Where clients elect to have Advisor’s fee charged to their credit card,
      Advisor shall use a third- party service that provides this form of bill pay service for its clients.

C.    Clients will incur certain other fees and expenses that are in addition to Advisor’s advisory fees,
      including brokerage commissions, custodial fees, transaction fees, and other investment-related
      costs and expenses typically imposed by broker-dealers, custodians and other third parties. As
      discussed further in Item 12 below, unless the client directs otherwise or an individual client’s
      circumstances require, Advisor shall generally recommend a broker-dealer such as Charles
      Schwab, Altruist, Bank of America Merrill Lynch or Fidelity TD Ameritrade, as the custodian for
      client investment management assets. Broker-dealers will charge brokerage commissions and/or
      transaction fees for effecting certain securities transactions.

     Client portfolios are invested in exchange traded funds (ETFs) as part of Advisor’s investment
     strategy. Investments in such funds will include an embedded investment management fee paid
     to the adviser of the fund, as well as other fees and expenses of the fund. As such, client portfolios
     with investments in such funds are subject to two layers of management fees on that portion of
     their account invested in funds. Clients are responsible for all fees and expenses charged by the
     fund in addition to the management fee charged by Advisor.

D.   Advisor typically bills for its financial planning services quarterly in advance. Clients may
     terminate their advisory agreement at any time, online or in writing. Fees are considered earned
     when due and no refunds are made for terminations made during the billing period.

E.   OTHER SERVICES, COMPENSATION, & CONFLICTS OF INTEREST

     Commission-based offerings and other sales charges. Advisor or its representatives may earn
     compensation for the sale of securities or other investment products, including asset-based sales
     charges or service fees from the sale of mutual funds (outside of managed accounts) and/or
     commissions for insurance products. Receipt of this compensation by Advisor or its
     representatives does not reduce the fees charged by Advisor. This practice presents a conflict of
     interest and gives Advisor and its representatives an incentive to recommend investment products
     based on the compensation received, rather than on your needs.

     Advisor seeks to mitigate these conflicts by regular education of the representatives regarding
     their fiduciary obligations, requiring prominent disclosure of any commissions they stand to make,
     and routinely monitoring client portfolio implementation. No client is under any obligation to
     purchase any commission-based products from a representative of Advisor. Clients are reminded
     that they may purchase securities and insurance products recommended by Advisor through
     other, non-affiliated registered representatives of broker-dealers and/or insurance agencies.

     Where Advisor receives referral fees through the Advisor Referral Platform, such fees are paid by
     the Unaffiliated Investment Adviser and not the Investor. However, Investors will likely incur fees or
     charges that are imposed by that Unaffiliated Investment Advisers in connection with any services
     they may choose to receive from them. Participating advisers pay Advisor a referral fee in
     connection with each introduction made through the Advisor Referral platform. Participating
     advisers pay Advisor a referral fee for introductions made through the Advisor Referral Platform.
     These fees are paid in connection with the introduction itself and are not contingent upon whether
     the Investor ultimately enters into an advisory relationship with the participating adviser. The
     referral fee will be payable to Advisor when the referral or introduction occurs.

     Other professional services. Where a client requests and is provided consulting services
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Item 7: Types of Clients

      Advisor offers investment management and financial consulting services to individuals and high
      net- worth individuals as well charitable organizations and other institutional clients. Advisor does
      not impose a minimum account size.