Arbor Private Wealth LLC

Item 5. Fees and Compensation
      Arbor Private Wealth offers services on a fee basis, which includes fixed fees, as well as fees based upon
      assets under management or advisement. Additionally, certain of the Firm’s Supervised Persons, in their
      individual capacities, offers insurance products under a separate commission-based arrangement.

      Financial Planning and Consulting Fees

      Arbor Private Wealth charges a fixed a fee for providing financial planning and consulting services under
      a stand-alone engagement. These fees are negotiable, but range from $500 to $7,500, depending upon the
      scope and complexity of the services and the professional rendering the financial planning and/or the
      consulting services. The fee can be for a defined project, such as the delivery of a plan, or for ongoing
      services. If the client engages the Firm for additional investment advisory services, Arbor Private Wealth
      can offset all or a portion of its fees for those services based upon the amount paid for the financial planning
      and/or consulting services.

      The terms and conditions of the financial planning and/or consulting engagement are set forth in the
      Advisory Agreement. For project-based services Arbor Private Wealth requires one-half of the fee payable
      upon execution of the Advisory Agreement. The outstanding balance is due upon delivery of the financial
      plan or completion of the agreed upon services. Ongoing services are charged as described in the
      investment management section, below. The Firm does not, however, take receipt of $1,200 or more in
      prepaid fees, six or more months in advance of services rendered.

      Wealth Management Fees

      Arbor Private Wealth offers wealth management services for an annual fee based on the amount of assets
      under the Firm’s management and advisement. This fee varies between 37.5 and 125 basis points (0.375%
      – 1.25%), depending upon the size and composition of a client’s portfolio, the type and amount of services
      rendered and the individual(s) providing the services.

      The annual fee is prorated and charged quarterly, in arrears, based upon the market value of the average
      daily account balance during that quarter as determined by a party independent from the Firm (including
      the client’s custodian or another third-party).

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 Disclosure Brochure

      Since the asset-based fee is determined by average daily account balance, if assets are deposited into or
      withdrawn from an account after the inception of a quarter, the base fee payable with respect to such assets
      is adjusted accordingly. For the initial period of an engagement, the fee is calculated on a pro rata basis.
      In the event the advisory agreement is terminated, the fee for the final billing period is prorated through the
      effective date of the termination and the outstanding or unearned portion of the fee is charged or refunded
      to the client, as appropriate.

      Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g.,
      held-away assets, accommodation accounts, alternative investments, etc.), Arbor Private Wealth can
      negotiate a fee rate that differs from the range set forth above. Clients are advised that a conflict of interest
      exists for the Firm to recommend that clients engage Arbor Private Wealth for additional services for
      compensation, including rolling over retirement accounts or moving other assets to the Firm’s management.
      Clients retain absolute discretion over all decisions regarding engaging the Firm and are under no obligation
      to act upon any of the recommendations. The Firm includes cash when determining the valuation for
      billing. This results in a conflict of interest for the Firm to hold more cash positions. But the Firm only
      recommends as much cash as the Firm determines is in the client’s best interest. The Firm may, in its sole
      discretion, decide not to charge on cash.

      Retirement Plan Consulting Fees
      Arbor Private Wealth can charge a fixed project-based fee or a fee based on the amount of assets in the plan
      to provide clients with retirement plan consulting services. Each engagement is individually negotiated and
      tailored to accommodate the needs of the individual plan sponsor, as memorialized in the Agreement. These
      fees vary, based on the scope of the services to be rendered, and range similar to the financial planning fees
      for fixed-fee clients or the wealth management fees for asset-based fee clients described above. In certain
      circumstances, the Firm’s fee is collected by the Financial Institution where the assets are held (which may
      include mutual fund companies rather than a qualified custodian) and remitted to the Firm.

      Fee Discretion

      Arbor Private Wealth may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria,
      such as anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to
      be managed, related accounts, account composition, pre-existing/legacy client relationship, account
      retention, pro bono activities, or competitive purposes.

      Additional Fees and Expenses

      In addition to the advisory fees paid to Arbor Private Wealth, clients also incur certain charges imposed by
      other third parties, such as broker-dealers, custodians, trust companies, banks and other financial institutions

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 Disclosure Brochure
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Item 7. Types of Clients
      Arbor Private Wealth offers services to individuals, trusts, estates, charitable organizations, corporations
      and other business entities.