Balanz Advisors LLC

Item 5 - Fees and Compensation
DESCRIPTION OF COMPENSATION AND BASIC FEE SCHEDULE
BALANZ ADVISORS generally receives asset based advisory fees. BALANZ
ADVISORS may charge a performance fee to discretionary clients who choose the
option to pay performance based compensation as further described in Item 6,
Performance Based Compensation. Performance based compensation may only be
charged to discretionary Clients. The specific manner in which fees are charged by
BALANZ ADVISORS is established in each Agreement.

Advisory fee compensation is derived as fee income based upon the percentage of
assets under management.

All advisory accounts are subject to an annual advisory fee of 1.00% on Assets Under
Management. Discretionary accounts are generally managed by TPPM, selected and
engaged by BALANZ ADVISORS as sub-advisors to the Client’s portfolio. BALANZ
ADVISORS will compensate the TPPM directly from the advisory fee paid by the client.

Advisory fees are payable quarterly, in arrears, based on the value of assets under
management as of the last day of each calendar quarter (adjusted for contributions and
withdrawals made during the quarter). Investment advisory services begins on the
effective date of the Agreement. If the Agreement for services is executed at any time
other than the first day of a calendar month, our fees will apply on a pro-rata basis.
BALANZ ADVISORS may, in its discretion, waive or reduce the management fee with
respect to any Client. Our fees may also be negotiable; therefore, arrangements with
existing Clients may differ. In all such cases, the relevant fees and terms of payments
will be clearly set forth in the Agreement.

We will deduct our fee directly from your designated custodial account through the
qualified custodian holding your funds and securities. We will deduct our advisory fee
only when (1) you have given our Firm written authorization permitting the fees to be
paid directly from your account and (2) the qualified custodian has agreed to deliver an
account statement to you at least quarterly. These account statements will show all
disbursements from your account, including the amount of any advisory fees paid
directly to our Firm. You should review all statements for accuracy. We will also receive
a duplicate copy of your account statements. Refer to the Brokerage Practices section
below for additional disclosures.

A.    OTHER FEES AND PAYMENT OF FEES
In addition to, and exclusive of, our investment advisory fees disclosed above, you will
also be charged brokerage commissions, transaction fees, custodian fees and
custodian charges, and other costs and expenses related to your investment account
and securities transactions. These transaction charges are paid to, and retained by, the

account custodian for its clearance and execution services. We do not receive any
portion of these commissions, fees, or costs.
As part of our investment advisory services to you, we may invest in or recommend that
you invest in shares of registered investment companies, exchange traded funds
("ETFs"), hedge funds, and/or other specialty investments. You should be aware that
such companies/investments typically assess a management fee to investors and, in
certain cases, may charge administrative, servicing and/or other fees, including
performance fees. Any fees paid to such companies, or their affiliates, are separate and
in addition to our advisory fees, which are disclosed in a fund’s prospectus.
Clients should therefore be aware that they would be paying a higher fee on these
assets. To fully understand the total cost you will incur, you should review all the fees
charged by our Firm, mutual funds, exchange traded funds, and others.

     B. Advisory Fees and Additional Brokerage Compensation

Our investment advisory fees are described in your advisory agreement and are
separate from any transaction-based compensation that may be earned by our IARs
when acting in their capacity as registered representatives of Balanz BD. Such
transaction-based compensation may include commissions, markups/markdowns, or
other charges customary for brokerage transactions.

This dual role creates a conflict of interest because IARs have an incentive to
recommend securities transactions through Balanz BD that generate additional
compensation. We mitigate this conflict by:

     •   Disclosing the arrangement to you in advance.
     •   Supervising recommendations for compliance with our fiduciary duty.
     •   Allowing you to choose any broker-dealer for execution of your transactions
         (unless otherwise required by a specific advisory program).

You may incur additional charges such as custodial fees, account maintenance fees, or
other fees imposed by broker-dealers, custodians, or mutual fund companies, which are
separate from our advisory fees.

C.       REFUND AND TERMINATION POLICY
Our Agreement for services will continue in effect until terminated by either party. You
may terminate the Agreement upon written notice to our Firm and you are responsible
for payment of services rendered until such time. You will incur a pro-rata charge for
services rendered prior to the termination of the Agreement, which means you will incur
advisory fees only in proportion to the number of days in the month for which you are a
client.
You may cancel the Agreement without penalty within the first five (5) days of signing
the Agreement. BALANZ ADVISORS does not require prepayment of fees. As such,
BALANZ ADVISORS does not refund fees upon termination of the Agreement.

     D. Selection of Other Advisers

Assets managed by TPMMs will be included in calculating our advisory fee, which is
based on the fee schedule set forth in the Portfolio Management Services section in this
brochure. Sub-Advisory fees that we pay to the TPMM are established and payable in
accordance with the sub-advisory agreement between BALANZ ADVISORS and each
TPMM.
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Item 7 - Types of Clients

BALANZ ADVISORS offers discretionary and non-discretionary investment advisory
services to domestic and foreign individuals, trusts, family offices, institutional and
corporate clients. Currently we only provide non-discretionary advisory services to
Other Financial Institutions (Broker-Dealers).
In general, we require a minimum of $200,000 to open and maintain an advisory
account. At our discretion, we may waive this minimum account size. For example, we
may waive the minimum if your account is part of a large relationship, or if you will be
bringing additional assets under our management to meet our minimum.
 BALANZ ADVISORS may also combine account values for you and your minor
children, joint accounts with your spouse, and other types of related accounts to meet
the stated minimum.