AJ Advisors LLC

Item 5 – Fees and Compensation
A. The client can determine to engage the Firm to provide discretionary investment advisory services
   on a fee basis.

    INVESTMENT ADVISORY SERVICES
    If a client determines to engage the Firm to provide discretionary investment advisory services on
    a fee basis, the Firm’s annual investment advisory fee shall be based upon a negotiable percentage
    (%) of the market value and type of assets placed under the Firm’s management (between 0.50%
    and 1.25%) as follows:

    Strategic Asset Management*

    Account Size                     Maximum Annual Fee
    First $250,000                   1.25%
    Next $750,000                    1.00%
    Next $500,000                    0.75%
    Above $1,500,000                 0.50%

    Traditional Asset Management*

    Account Size                     Maximum Annual Fee
    First $250,000                   1.00%
    Next $750,000                    0.75%
    Above $1,000,000                 0.50%

    529 Plan Asset Management and Individual Fixed Income Products

    Flat Fee of 0.50% on total balance

    * Note: The material differences between the Strategic and Traditional investment strategies are
    detailed in Item 8.

    Example: Household with $375,000 of AUM under Strategic Asset Management schedule would
    be charged annually 1.25% on the first $250,000 and 1.00% on the remaining $125,000.

    Conflict of Interest: Although the Firm will allocate client assets consistent with the client’s
    designated investment objective(s), the fact that the Firm earns a higher fee for its Strategic Asset
    Management strategies, as referenced in the above fee schedule, presents a conflict of interest
    because the Firm has an economic incentive to allocate more assets and/or recommend that a client
    engage in the strategy from which it will derive the highest advisory fee.

    The Firm, in its sole discretion, may charge a lesser investment advisory fee and/or charge a flat
    fee based upon certain criteria (e.g., anticipated future earning capacity, anticipated future
    additional assets, dollar amount of assets to be managed, related accounts, account composition,
    prior fee schedules, competition, negotiations with client, etc.). As result of the above, similarly
    situated clients could pay different fees. In addition, similar advisory services may be available
    from other investment advisers for similar or lower fees.

    RETIREMENT PLAN SERVICES
    The Firm provides its discretionary and non-discretionary retirement plan services on a fee basis,
    based upon a negotiable percentage (%) of the market value of plan assets. The fees for these
    engagements are individually negotiated on a case-by-case basis, depending on a variety of factors,
    including but not limited to, the scope of the overall engagement, the amount of plan assets, the
    professional(s) rendering the service(s), and other factors. The specific annual fee to be paid for the
    Firm’s services under these engagements will be set forth in the services agreement between the
    Firm and the plan.

    FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
    To the extent specifically requested by a client, the Firm may determine to provide financial
    planning and/or consulting services (including investment and non-investment related matters,
    including estate planning, insurance planning, etc.) on a stand-alone fee basis. The Firm’s planning
    and consulting fees are negotiable, but generally range from $500.00 to $5,000.00 on a fixed fee
    basis, depending on the level and scope of the service(s) requested and the professional(s) rendering
    the service(s) or $300.00 per hour on an hourly rate basis. Notwithstanding the foregoing, some
    clients may continue to be engaged for financial planning and consulting engagement under legacy
    fee schedules that are no longer offered to new clients. These legacy fee arrangements are described
    in the client’s Financial Planning and Consulting Agreement, and these legacy clients are advised
    to review their agreement for specific details.

B. Clients may elect to have the Firm’s advisory fees deducted from their custodial account. Both the
   Firm’s Investment Advisory Agreement and the custodial/clearing agreement may authorize the
   custodian to debit the account for the amount of the Firm’s investment advisory fee and to directly
   remit that management fee to the Firm in compliance with regulatory procedures. In the limited
   event that the Firm bills the client directly, payment is due upon receipt of the Firm’s invoice. The
   Firm shall deduct fees and/or bill clients quarterly in arrears, based upon the market value of the
   assets on the last business day of the previous quarter.

C. As discussed below, unless the client directs otherwise or an individual client’s circumstances
   require, the Firm shall generally recommend that Charles Schwab & Co., Inc. (“Schwab”) serve as
   the broker-dealer/custodian for client investment management assets. Broker-dealers such as
   Schwab charge brokerage commissions and/or transaction fees for effecting certain securities
   transactions in accordance with their commission and transaction fee schedules. The Firm generally
   does not recommend securities that incur commissions or transaction fees. However, in limited
   circumstances, the Firm, either on its own initiative or at the recommendation of the client, will
   incur transaction fees or commissions on client’s behalf.

        When beneficial to the client, individual fixed income and/or equity transactions may be effected
        through broker-dealers with whom the Firm and/or the client have entered into arrangements for
        prime brokerage clearing services, including effecting certain client transactions through SEC
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Item 7 – Types of Clients
The Firm’s clients shall generally include individuals, high net worth individuals, pension and profit-
sharing plans, trusts, estates and charitable organizations. The Firm does not generally require an annual
minimum fee or asset level for investment advisory services.