Beacon Financial Advisory LLC

Item 5: Fees and Compensation

A. Fee Schedule

       Asset-Based Fees for Portfolio Management

       Wrap Fee Portfolio Management

  Total Assets Under Management                     Maximum -Total Fee
  $0 - $1,000,000                                   1.80%
  $1,000,001 - $2,000,000                           1.45%
  $2,000,001 – And Up                               Negotiable
       Non-Wrap Portfolio Management

  Total Assets Under Management                     Total Fee
  $0 - $1,000,000                                   1.61%

  $1,000,001 - $2,000,000                           1.31%

  $2,000,001 – And Up                               Negotiable

Beacon FA bills based on the ending quarterly account balance preceding the billing
period. Beacon FA may also utilize third-party investment advisers/turn-key asset
management programs for certain clients, and these fees are charged to the client in
addition to the fee schedule set forth above.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the client contract. Clients may terminate the agreement without penalty for a full refund
of Beacon FA's fees within five business days of signing the client contract. Thereafter,
clients may terminate the client contract generally with 30 days' written notice.

Conflict of Interest.
When managing a client's account on a wrap fee basis, we receive as compensation for
our investment advisory services, the balance of the total wrap fee you pay after custodial,
trading and other management costs (including execution and transaction fees) have been
deducted. Accordingly, we have a conflict of interest because we have a financial incentive
to maximize our compensation by seeking to reduce or minimize the total costs incurred
in your account(s) subject to a wrap fee.
    • Beacon FA pays Schwab transaction costs for each executed trade in wrap fee
       accounts. As a result, Beacon FA has a financial incentive to limit orders for wrap
       fee accounts because trades increase our transaction costs. Thus, an incentive exists
       to trade less frequently in a wrap fee program.
    • Additionally, Schwab generally does not charge commissions [or transaction fees]
       for online trades of U.S. exchange-listed equities, U.S. exchange-listed ETFs, and

       no-transaction-fee (“NTF”) mutual funds. This means that, in most cases, when we
       buy these types of securities, we can do so without paying commissions to Schwab.
       We are available to discuss Schwab’s execution related pricing with you so that
       you can compare the total costs of entering into a wrap fee arrangement versus a
       non-wrap fee arrangement. If you choose to enter into a wrap fee arrangement,
       your total cost to invest could exceed the cost of paying for brokerage and advisory
       services separately.

Retirement Plan Advisory & Consulting Services Fees

       Asset-Based Fees

        Total Assets                          Annual Fee
        $0 - $1,000,000                       1.00%

        $1,000,001 - $10,000,000              0.50%

        $10,000,001 – And Up                  0.25%

       Beacon FA uses the ending quarterly balance in the total plan’s account
       throughout the billing period, after taking into account deposits and withdrawals,
       for purposes of determining the market value of the assets upon which the
       advisory fee is based.

       Fixed Fees

       The rate for creating retirement & consulting plans is between $1,250 and $100,000.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the client contract. Clients may terminate the agreement without penalty for a full refund
of Beacon FA's fees within five business days of signing the client contract. Thereafter,
clients may terminate the client contract generally with 30 days' written notice.

Financial Planning Fees

       Fixed Fees

       The negotiated fixed rate for creating client financial plans is between $250 and
       $20,000.00.

       Hourly Fees

       The negotiated hourly fee for these services is based upon the engagement of the
       Beacon FA advisor and is between $100 and $300.

Clients may terminate the agreement without penalty for a full refund of Beacon FA's fees
within five business days of signing the Financial Planning Agreement. Thereafter, clients
may terminate the Financial Planning Agreement generally upon written notice.

B. Payment of Fees

Payment of Asset-Based Portfolio Management Fees
Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in advance. Beacon
FA bills based on the ending quarterly account balance preceding the billing period.

Payment of Asset-Based Retirement Plan Advisory & Consulting Fees
Asset-based Retirement Plan Advisory & Consulting fees are withdrawn directly from the
plans account with the plan's written authorization on a quarterly basis, or may be
invoiced and billed directly to the plan on a quarterly basis. Plans may select the method
in which they are billed. Fees are paid in arrears.

Payment of Fixed Retirement Plan Advisory & Consulting Services Fees
Fixed Retirement Plan Advisory & Consulting fees are paid via check. These fees are paid
50% in advance, but never more than six months in advance, with the remainder due upon
presentation of the plan.

Payment of Third-Party Advisers Fees
Beacon FA may direct clients to third-party investment advisers. Beacon FA will receive
its contracted investment advisory fee on top of the fee paid to the third party adviser.
This relationship will be memorialized in each contract between Beacon FA and each
third-party adviser. The fees will not exceed any limit imposed by any regulatory agency.
The notice of termination requirement and payment of fees for third-party investment
...

Item 7: Types of Clients

Beacon FA generally provides advisory services to the following types of clients:

           ❖ Individuals
           ❖ High-Net-Worth Individuals
           ❖ Pension and Profit Sharing Plans

Minimum Account Size
There is no account minimum for any of Beacon FA’s services.