Bare Financial Services Inc

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Financial Planning:

Our firm charges a flat fee for financial planning services. The total estimated fee, as well as the
final fee charged, is based on the scope and complexity of the engagement. Fee arrangements
are determined on a case-by-case basis and are outlined in the client’s signed consulting
agreement.
Financial planning fees are billed in arrears. If the engagement is terminated prior to the
completion of the financial planning services, the client will be billed for services performed
through the date of termination.

ADV Part 2A – Firm Brochure                  Page 6                                Bare Wealth Advisors

Investment Management:

The standard annual fee charged for this service is up to 1.50% based on such factors as
account size and complexity. Fees to be assessed will be specified in the advisory agreement
signed by the Client. We bill all client accounts monthly in arrears, with the amount of the fee
based upon the average daily balance of the account over the previous month. With monthly
billing in arrears, Investment Advisory Services fees are billed within ten (10) days following the
close of each calendar month. In the event of termination, we are entitled to payment of our
fee up to the end of the month wherein the notice of termination was received.

On accounts held directly with the sponsor company, the sponsor company bills the fees
monthly or quarterly in arrears based upon their process and pays the fee to our firm. In rare
cases and upon a client’s request, our firm will agree to directly invoice. 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
    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.

The maximum annual fee charged to clients by our firm that are utilizing sub advisors
will not exceed our firm’s total maximum fee published above for the investment
services we provide. The sub advisors debit fees for investment management services
as disclosed in the executed advisory agreement between the client and our firm. This
fee shall be in addition to any fees assessed by the chosen sub-advisor. The sub-advisor
we recommend will not directly charge you a higher fee than they would have charged
without us introducing you to them. Sub-advisors establish and maintain their own
separate billing processes. We have delegated to the sub-advisor the authority to
deduct their fee directly from client accounts and, by agreement with our Firm, will bill
quarterly or monthly, based upon either the average account value over the previous
quarter or the account value on the last business day of the previous quarter.

Retirement Plan Services:

For certain retirement plans, the Firm has agreed to provide advice to the plan sponsor,
investment manager oversight, plan participant education and ongoing administrative support
in partnership with third-party administrators (“TPAs”), recordkeepers, and investment advice
as a 3(21) co-fiduciary. We will not accept discretionary authority over or handle plan assets
and will not serve in a 3(38) fiduciary role. We will ensure that our fee for these services is
reasonable and will provide the required disclosures to the plan sponsor or assure that a third
party provides those disclosures.

ADV Part 2A – Firm Brochure                  Page 7                                Bare Wealth Advisors

Third-Party Sub-Advisors:

Our firm has contracted with EverSource Wealth Advisors, LLC (“EverSource”) for services
including trade processing, collection of management fees, record maintenance, report
preparation, marketing assistance, and research. Our firm has also contracted with EverSource
for sub-advisory services with respect to clients’ accounts, as described in Item 4 above. Our
firm pays a fee for EverSource services based on management fees paid to our firm on accounts
which use EverSource. The fee paid by our firm to EverSource consists of a portion of the fee
paid by clients to our firm and is based on total client assets per account. These fees are not
separately charged to advisory clients. The fee charged by our firm to our clients includes all
sub-advisory fees charged by EverSource.

For investment management services, our firm will obtain authority from the client to deduct
quarterly payments directly from the client's account held by an independent custodian.
Clients shall provide limited authorization to our firm or its designated service provider,
EverSource, to deduct fees from the account. Clients will receive custodial statements at least
quarterly showing the advisory fees debited from their accounts.

For clients whose accounts are sub-advised by Harvest, our fee is deducted from the client
account by Harvest together with Harvest's investment management fee, as described more
fully in the investment management agreement between Harvest and the client. The combined
fee will be shown in the client's account statements.

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by Charles Schwab & Co., Inc. (“Schwab),
either based on a percentage of the dollar amount of assets in the account(s) or via individual
transaction charges. These transaction fees are separate from our firm’s advisory fees and will
be disclosed by Schwab. Schwab does not charge transaction fees for U.S. listed equities and
...

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Sponsors of Pension and Profit Sharing Plans; and
   • Corporations, Limited Liability Companies and/or Other Business Types.
   • In some cases, our firm contracts directly with third party broker-dealers to provide
       investment advice on assets owned by clients of our firm which are held by the broker
       dealer.

Our firm does not impose requirements for opening and maintaining accounts or otherwise
engaging us.