Arrow Wealth Advisors Inc

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 FINANCIAL PLANNING AND CONSULTING
 Arrow Wealth charges a fixed or hourly fee for financial planning. The fixed fee charge is
 based on the complexity and unique Client needs for financial planning services. Prior to the
 planning process the Client will be provided an estimated plan fee. Services are completed
 and delivered inside of ninety (90) days contingent upon timely delivery of all required
 documentation. Client may cancel within five (5) business days of signing Agreement with
 no obligation and without penalty. If the Client cancels after five (5) business days, any
 unearned fees will be refunded to the Client, or any unpaid earned fees will be due to Arrow
 Wealth. Arrow Wealth reserves the right to waive the fee should the Client implement the
 plan through Arrow Wealth. Client will agree to the fee schedule before signing Agreement.
 Fees for financial plans may be billed 50% in advance with the balance due upon plan
 delivery or may be due, in full, at the commencement of the contract.

       FIXED FEES
       Financial Planning Services are offered based on a flat fee between $1,250 and $8,000.
       HOURLY FEES
       Financial Planning Services are also offered based on an hourly rate of $225 per
       hour.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed
1%. The annual fee is negotiable and may be charged as a percentage of the Included Assets
or as a flat fee. Fees may be charged quarterly or monthly in arrears or in advance based on
the assets as calculated by the custodian or record keeper of the Included Assets (without
adjustments for anticipated withdrawals by Plan participants or other anticipated or
scheduled transfers or distribution of assets) on the last business day of the previous quarter
or month. If the services to be provided start any time other than the first day of a quarter or
month, the fee will be prorated based on the number of days remaining in the quarter or
month. If this Agreement is terminated prior to the end of the fee period, Arrow Wealth shall
be entitled to a prorated fee based on the number of days during the fee period services were
provided or Client will be due a prorated refund of fees for days services were not provided
in the billing cycle.
The fee schedule, which includes compensation of Arrow Wealth for the services is described
in detail in Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees;
however, the Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or
have fees deducted from Plan Assets. Arrow Wealth does not reasonably expect to receive
any additional compensation, directly or indirectly, for its services under this Agreement. If
additional compensation is received, Arrow Wealth will disclose this compensation, the
services rendered, and the payer of compensation. Arrow Wealth will offset the
compensation against the fees agreed upon under this Agreement.
ASSET MANAGEMENT
Arrow Wealth offers direct asset management services to advisory Clients. Arrow Wealth
charges a maximum annual investment advisory fee based on the total assets under
management. Total fees to Client will never exceed the safe harbor threshold of 3% of assets
under management per year.
The table below illustrates the maximum client fee schedule.
          Assets Under Management                    Annual Fee             Quarterly Fee
        For the first amount $500,000                  1.45%                  0.3625%
     For the next amount from $500,001 -               1.25%                  03125%
                  $1,000,000
    For the next amount from $1,000,001 -              1.00%                  0.2500%
                  $5,000,000
      For the amount above $5,000,000+                 0.75%                  0.1875%

This is a blended fee schedule; the asset management fee is calculated by applying different
rates to different portions of the portfolio. Arrow Wealth may group certain related Client
accounts for the purposes of achieving the minimum account size and determining the
annualized fee.
For example, a Client with $1,000,000 under management would pay $13,500 on an annual
basis.
First $500,000 x .0145 = $7,250
Next $500,000 x .0125 = $6,250
The annual fee may be negotiable based upon certain criteria (e.g., historical relationship,
type of assets, anticipated future earning capacity, anticipated future additional assets, dollar
amounts of assets to be managed, related accounts, account composition, negotiations with
Clients, etc.).
Fees are billed quarterly in advance based on the amount of assets managed as of the close
of business on the last business day of the previous quarter. Lower fees for comparable
services may be available from other sources. Clients may terminate their account within
five (5) business days of signing the Investment Advisory Agreement with no obligation and
without penalty. Clients may terminate advisory services with thirty (30) days written
notice. For accounts opened or closed mid-billing period, unearned fees will be refunded to
the Client. Client shall be given thirty (30) days prior written notice of any increase in fees.
Any increase in fees will be acknowledged in writing by both parties before any increase in
said fees occurs.
Betterment Platform
When utilizing the Betterment Investment platform, Arrow Wealth’s fee will be prorated and
billed quarterly in arrears, based on the Client’s average daily balance for the prior quarter
multiplied by the annual percentage rate of no more than 1.50% of Assets charge. Fees are
negotiable and will be automatically deducted from your account. Betterment for Advisors
will make quarterly adjustments for deposits and withdrawals in Client accounts. As part of
this process, you understand and acknowledge the following:
...

Item 7: Types of Clients
Description
 Arrow Wealth generally provides investment advice to individuals, high net worth
 individuals, charities, and corporations or business entities. Client relationships vary in
 scope and length of service.
Account Minimums
 Arrow Wealth does not require a minimum to open an account. However, Betterment may
 require account minimums to invest in their platform.