Andrews Advisory Associates LLC

Item 5 – Fees and Compensation

The advisory fee for Non-Discretionary Investment Advisory Services, Discretionary Investment

Form ADV Part 2A Brochure

Management Services and/or Retirement Plan Services is billed quarterly as a percentage of assets under
management based upon the market value of the assets in the account during each previous calendar quarter,
excluding cash and sweep money market balances. The advisory fee will be charged by one of two
methods: (1) in arrears based on the portfolio value at the end of the previous billing period (usually the
previous quarter end) or (2) in arrears adjusted to reflect all flows (Deposits and Withdrawals) for each day
of the previous billing period (usually the previous quarter). The billing method will be specified in the
agreement. The one-time fee for Financial Planning Services is charged as a comprehensive financial plan
with a flat fee determined in advance by the Advisor and the client. However, flat fees will not exceed
$10,000 for Financial Planning Services.

Fee schedules are based on clients’ aggregate Assets Under Management (AUM). The account values
of “immediate family” members (spouse and children) as well as the account values of retirement or
business accounts for which the advisory fee is paid by the employer (as listed in the client Agreement)
may be aggregated for the purpose of calculating the advisory fee. The Advisor may, at its discretion,
calculate other client relationships based on an aggregate if such calculation is more favorable to the client.
All fees are negotiable.

FEE SCHEDULES:

Fees are stated annually below and are billed quarterly in arrears based on the assets under management (AUM)
of the last business day of the previous quarter, with adjustments for the actual time the assets were invested.
There is no time commitment and no surrender fees. We keep underlying investment fees extremely low by
keeping investment management decisions in-house and by choosing low-cost investments mostly without
transaction fees.

Comprehensive Wealth Management, household AUM of $1 Million or more:

0.70%                          $1 Million to $5 Million
0.60%                          Above $5 Million to $20 Million
0.50%                          Above $20 Million to $100 Million
0.40%                          Above $100 Million

Investment Management Services, household AUM minimum $250,000:

1.00%                          Up to $1 Million

AUM = Assets Under Management: All included assets, cash and sweep money market balances. Plus General Excise Tax for residents of the
State of Hawaii, General Excise Tax 4.715%; Out of State General Excise Tax 0.000%

Clients may choose to have management fees deducted from the cash / sweep money market balance of
their account(s). They may specify an account or accounts from which to deduct the fees, or have the fees
deducted pro-rata from all accounts. They may also choose to be directly billed for fees. If fees billed are
not paid in a timely manner (as determined by the Agreement) the Advisor may deduct fees from the clients'
account(s). As part of this process, Clients understand the following:

     a) The client’s independent custodian sends statements at least quarterly showing the market values
        for each security included in the Assets and all account disbursements, including the amount of the
        advisory fees paid to our firm;
     b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm
        will send an invoice directly to the custodian; and

Form ADV Part 2A Brochure

     c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of information
        provided in our statement with those from the qualified custodian will be included.

Group 401(k) Plans with a separate recordkeeper with no minimum plan size:

0.80%               AUM under $1 Million
0.60%               Above $1 Million to $5 Million
0.40%               Above $5 Million to $10 million
0.30%               Above $10 Million to $100 Million
0.20%               Above $100 Million
AUM = Assets Under Management: All included assets, cash and sweep money market balances. Fee includes Hawaii General Excise Tax paid
by the Adviser.

Hourly Financial Planning Services (offered exclusively to Investment Management or Investment
Advisory clients, their family members, and/or their employees):

We offer Financial Planning services only for existing Wealth Management or Investment Management
clients, their employees or their children. If needed, our Hourly Financial Planning service will be quoted
in advance based on an hourly rate of $300 for Investment Adviser Representatives and $100 for Client
Service Specialists.

Clients may choose to have management fees deducted from the cash / sweep money market balance of
their account(s). They may specify an account or accounts from which to deduct the fees, or have the fees
deducted pro-rata from all accounts. They may also choose to be billed for fees. If fees billed are not paid
in a timely manner (as determined by the Agreement) the Advisor may deduct fees from the clients'
account(s). Clients are normally billed quarterly in arrears, but some qualified retirement plan custodians
may bill monthly in arrears.

In addition to AAA’s management fees, Clients will incur transaction charges for trades executed in their
accounts, via individual transaction charges. These transaction fees are separate from our fees and will be
disclosed by the firm that the trades are executed through. Clients may be responsible for Custodial
brokerage fees, third-party 401(k) recordkeeping and custodial fees, third party investment fees and other
third-party manager fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and
electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual
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Item 7 – Types of Clients & Account Requirements

AAA provides services to individuals, high net worth individuals, and pension and profit-sharing plans.
Financial Planning services are available to clients who have an Agreement with our firm to provide
discretionary investment management or non-discretionary investment advisory services for their assets
under management (AUM).

The minimum AUM for new clients with individual personal, business or retirement accounts is $250,000.
There is no minimum AUM for new 401(k) plans in our group platform with a separate participant
recordkeeper. The minimum AUM is sometimes waived based on AAA’s assessment of the client's earning
potential, future financial situation, familial or business affiliation with existing clients, a past business
relationship with associates of AAA, a referral from an existing client or a business colleague, or for any
other reason deemed prudent by AAA.