Allstate Financial Advisors LLC

Item 5. Fees and Compensation

AFA receives compensation pursuant to its agreement with FIWA. This compensation,
which is disclosed to the customer in a separate disclosure document provided at the
time of proposal, is based on a percentage of the customer’s managed assets. Customers
entering a fee agreement will sign agreements with AFA and FIWA which detail the
services provided under the agreement as well as the actual fee charged for the
described services. Your IAR receives a portion of this advisory fee and is permitted to
negotiate a reduction in the advisory fee. These fees reflect the services provided on
behalf of the customer. The fee is based on a percentage of the customer's managed
assets, ranging up to 1.5%, depending on the size of the account. The customer is
assessed the same fee regardless of the payment made to the IAR. Fees are typically
charged quarterly, in advance, and are based upon the market value of the account on
the last day of the appropriate period. All fees are deducted from the customer’s account.

                    FMAX FSP
                Account Size/Tiers                       Minimum Fee          Maximum Fee
           $0                      $250,000                  0.50%                1.50%
        $250,000                   $500,000                  0.50%                1.35%
        $500,000                  $1,000,000                 0.50%                1.25%
       $1,000,000                 $2,000,000                 0.50%                1.15%
       $2,000,000                 $5,000,000                 0.50%                1.00%
       $5,000,000                      +                     0.50%                0.80%

                Allstate Guided UMA
                Account Size/Tiers                       Minimum Fee          Maximum Fee
           $0                      $250,000                  0.50%                1.50%
        $250,000                   $500,000                  0.50%                1.35%
        $500,000                  $1,000,000                 0.50%                1.25%
       $1,000,000                 $2,000,000                 0.50%                1.15%
       $2,000,000                 $5,000,000                 0.50%                1.00%
       $5,000,000                      +                     0.50%                0.80%
          Investment Advisory Services offered by Investment Advisory Representatives
                           through Allstate Financial Advisors, LLC

As disclosed above, advisory fees are paid in advance of services provided. If the
agreement is terminated, any prepaid unearned fees will be returned. Reimbursement of
fees will be calculated according to the number of days remaining in a billing period and
credited back to the customer account.

As indicated in Item 4, customers should compare the overall fee of any program in which
they participate, with non-wrap fee comparable programs as well as other alternatives,
including brokerage accounts, which do not charge any fee. Customers have the option
to purchase the same or similar investment products recommended by AFA through other
brokers or agents that are not affiliated with AFA.

AFA and our supervised persons receive compensation for the sale of securities or other
investment products The receipt of this compensation presents a conflict of interest and
gives AFA and/or our supervised persons an incentive to recommend investment
products based on the compensation received, rather than on a customer’s needs.

Please note, AFA conducts business through its relationship with an affiliated registered
entity. Please refer to the “Other Financial Industry Activities and Affiliations” Item 10 of
this Brochure for additional information regarding this relationship.

Conflicts identified by AFA are reviewed by internal management and compliance
personnel to determine the appropriate course of action. Those conflicts that cannot be
mitigated will be addressed through internal controls, including, but not limited to, upfront
review processes, monitoring of transactional activity, and other internal controls. Conflicts
will be disclosed to customers through a variety of disclosure documents, provided prior to
or at the time an account is recommended. These disclosures include, for example, Form
CRS and this Brochure.

Your IAR receives a portion of this advisory fee and is permitted to negotiate a reduction
in the advisory fee for your advisory account to the extent of the IAR’s portion of the
advisory fee. When you negotiate a lower advisory fee with your IAR, your IAR will receive
a lower fee based on the amount of assets we manage for you. Given this, your IAR has
a financial incentive not to negotiate the fee.

The advisory fee, which is generally charged quarterly, presents a conflict because it
creates an incentive for AFA to encourage you to increase the assets in your advisory
account, as the more assets that are in your advisory account, the more you will pay in
advisory fees. In addition, AFA may receive more compensation when AFA’s IARs
provide advisory services than when they provide broker-dealer services, which creates
an incentive for AFA to recommend an advisory account.

These advisory programs are “wrap” programs. You will typically pay a wrap fee, which
includes the advisory fee and the costs for the execution of securities transactions and
other services. The wrap fee is usually higher than the advisory fees for non-wrap
programs because it includes these transaction costs, which are “wrapped” together with
the advisory fee (i.e., you will not pay a separate advisory fee). A wrap fee presents a
conflict because it creates an incentive for AFA and third-party investment advisors to
minimize the trades in your advisory account to reduce the portion of the wrap fee used
          Investment Advisory Services offered by Investment Advisory Representatives
...

Item 7. Types of Clients
 AFA provides advisory services to individuals, trusts, estates, charitable organizations,
 and corporations and other business entities. Account opening minimums for advisory
 programs start at $50,000.

          Investment Advisory Services offered by Investment Advisory Representatives
                           through Allstate Financial Advisors, LLC