Beacon Financial Strategies Corp

Item 5: Fees and Compensation

    Description
         Beacon Financial Strategies bases its fees on a percentage of assets under management, fixed fees
         (not including subscription fees), project-related fees, and occasionally hourly fees. Beacon’s
         current hourly fee rate is $400. Fees are based on the degree of complexity associated with the
         client’s situation and the expected amount of time spent on the engagement. Fees are negotiable.
         Beacon Financial Strategies has legacy clients under existing engagements that have different fee
         arrangements than those described above for engagements no longer offered by Beacon.

    Fee Billing
         The specific manner in which fees are charged by Beacon Financial Strategies is established in a
         client’s written agreement with Beacon Financial Strategies. Beacon Financial Strategies will bill its
         fees in advance, generally on a quarterly basis. However, there are clients of Beacon Financial
         Strategies whose fee billing is in arrears because their fees were being deducted in this manner
         prior to their adviser joining Beacon Financial Strategies and the firm has continued with the fee
         billing.

                                       Beacon Financial Strategies

          Fees are usually deducted from a designated client account to facilitate billing. The client must
          consent in advance to direct debiting of their investment account and can elect to be billed directly
          for fees.
          Accounts terminated during a calendar quarter will be charged a prorated fee. Upon termination
          of any account, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid
          fees will be due and payable.

     Other Fees
          While our only form of compensation is the payment received directly from clients, there are other
          fees that may be assessed to you that you should be made aware. The custodian (Charles Schwab
          and Co., Inc.) charges transaction fees on purchases or sales of certain mutual funds and exchange-
          traded funds. Schwab also charges clients for certain service-related transactions including
          executing federal funds wires and overnight mailing of checks. Schwab clients are provided with a
          list of these incidental fees they may incur.
          In addition, all mutual funds assess a management fee for their services as investment managers.
          Performance figures quoted by mutual fund companies in various publications are after their fees
          have been deducted.
          Beacon Financial Strategies, as a service and a responsibility to our clients, seeks to minimize these
          additional fees.

     Past due Accounts and Termination of Agreement
          Beacon Financial Strategies reserves the right to stop work on any account that is more than 30
          days overdue. In addition, Beacon Financial Strategies reserves the right to terminate any
          engagement where a client has willfully concealed or has refused to provide pertinent information
          about financial situations when necessary and appropriate, in Beacon Financial Strategies’
          judgment, to providing proper financial advice. Any unused portion of fees collected in advance
          will be refunded within 30 days.

Item 7: Types of Clients

     Description
          Beacon Financial Strategies generally provides investment advice to individuals, pension and profit
          sharing plans, trusts, estates, corporations or other business entities.

                                        Beacon Financial Strategies

         Client relationships vary in scope and length of service. We do not impose account minimums on
         clients.