Arcwood Financial LLC

Item 5: Fees and Compensation

    A. Fee Schedule

    Pension Consulting Services Fees
          Asset-Based Fees for Pension Consulting

                   Total Assets Under Management          Annual Fee

                   $0 - $499,000                          1.00%

                   $500,000 - $999,999                    0.75%

                   $1,000,000 - $4,999,999                0.50%

                   $5,000,000 - $9,999,999                0.40%

                   $10,000,000 - $19,999,999              0.30%

                   $20,000,000 - UP                       0.25%

Under certain agreed-upon circumstances, the advisor and plan sponsor may elect to use
a fixed fee structure in lieu of asset-based fees, provided that the resulting fixed fee is no
greater than the asset-based fees disclosed in this document.

This arrangement is most commonly used when a sponsor prefers to pay fees directly,
outside the plan, converting existing asset-based fees into a flat dollar amount. In other
cases, particularly for larger plans, the advisor may be retained for limited-scope services,
such as participant education or financial wellness, typically in response to an RFP or
custom proposal.

Fixed fees may include, but are not limited to:
• Flat engagement fee (based on total plan assets, not exceeding disclosed asset-based
    rates)
• Per-meeting fee ($1,000–$2,000 per education session)
• Reimbursable travel expenses
• Hourly advisory rate, up to $375 per hour

All fixed fee structures will remain equal to or less than the value of asset-based fees
disclosed herein.

All of these fee options are generally negotiable depending upon, inter alia, any deadlines
by which the client requires the services to be performed, the types of assets being
addressed, the market rates charged for such services based on the client’s geographic
location, and the needs of the client. The final fee schedule is memorialized in the client
contract. Arcwood Financial fees are calculated and paid in a manner consistent with the
plans record keeper platform and servicing client contract.

Clients may terminate the agreement without penalty for a full refund of Arcwood
Financial's fees within five business days of signing the client contract. Thereafter, clients
may terminate the client contract generally with 30 days' written notice.

Portfolio Management Fees for Individuals

As referenced in Item 4 above, Arcwood Financial may utilize one or more Sub-Advisors
with which it has an agreement to assist in the management of client accounts. Currently,
Arcwood has sub-advisor agreements with the following third-party investment advisors:
Alphastar Capital Management, LLC (“Alphastar”) (CRD# 157423). The fee schedule for
clients using Alphastar’s services is as follows:

  Assets Under                                                                Combined
  Management         Advisor's                            Monthly Fee      Annual Fee Rate
                                     Sub-Advisor’s
    (account        Annual Fee                             Rate (to 4       – Both Advisor
                                    Annual Fee Rate
  average daily        Rate                                decimals)       and Sub-Advisor
    balance)                                                                     Fees

     Under
                       1.00%              0.30%             0.1083%              1.30%
   $1,000,000

   $1,000,000 -
    $5,000,000         0.80%              0.30%             0.0917%              1.10%

   $5,000,001 -
   $10,000,000         0.60%              0.30%             0.0750%              0.90%

  $10,000,001 -
   $20,000,000         0.40%              0.30%             0.0583%              0.70%

 $20,000,001 and
      above            0.30%              0.30%             0.0500%              0.60%

Alternatively, Arcwood and client may agree to a negotiated total combined fixed annual
fee rate that shall not exceed 1.3% of client’s assets under management.

In addition to the Combined Annual Fee, each client account is assessed a $50 per year
administrative fee by Alphastar.

Client’s investment management fees shall be calculated and assessed in arrears on a
calendar monthly basis, with one-twelfth of the combined annual fee multiplied by the
average daily balance of the assets in the client’s applicable account(s) for the just
completed calendar month.

The fee rate charged to the client changes (up or down) when clients cross the fee
threshold(s) shown above, (except where a negotiated fixed annual fee rate applies).
Accordingly, fees due will change from month to month based on actual average daily
asset value of the client’s account(s) during the prior month.

As fees are assessed in arrears, there will be no refunds upon termination of the client
agreement. Clients are responsible for paying any partial management fees that may be
due for services rendered in any partial final month based on the actual number of days
the account was under management.

Individual Client Financial Planning Fees

Fixed Fees
The negotiated fixed rate for creating client financial plans is $1,000. Participants of group
retirement plans may be offered lower negotiated rates if Arcwood Financial is acting as
fiduciary for the plan in which the client’s assets are or were invested. Clients may
terminate the agreement without penalty for a full refund of Arcwood Financial's fees

within five business days of signing the client contract. Thereafter, clients may terminate
the client contract generally upon written notice.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's initial written authorization per the client contract. Fees are paid monthly in
arrears.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are withdrawn directly from the client's accounts
...

Item 7: Types of Clients

Arcwood Financial generally provides advisory services to the following types of clients:

           ❖   Pension and Profit Sharing Plans
           ❖   Individuals
           ❖   High-Net-Worth Individuals
           ❖   Corporations
           ❖   Not for profit organizations

There is no account minimum for any of Arcwood Financial’s services.