Beantown Financial Advisors LLC

Fees and Compensation
   Description
       Beantown Financial Advisors LLC is a fee-only firm that bases its fees on a percentage
       of assets under management, hourly charges, and fixed annual fees (not including
       subscription fees).
        Wealth Management Agreements are priced according to the degree of complexity
        associated with the client’s situation and are charged as a fixed annual retainer fee. The
        fee is determined at the onset of the engagement and is reviewed annually (or when
        client circumstances undergo a material change). Fees for Wealth Management range
        from $2,500 - $15,000 per year. The actual fee will be included in the Wealth
        Management Agreement signed by the client and Beantown Financial Advisors LLC.
        The fee is generally paid 50% upon signing the agreement and the remainder is generally
        due within 6 months of starting our working together. Contracted work begins
        immediately.
        Investment Advisory clients are charged based on the market value of “managed assets”
        in a client’s accounts (investments and cash) at the end of the previous quarter. The
        annual fee ranges from 0.5% to 1.5% of assets, depending on the size of a client’s
        account and the overall complexity of their situation. The actual fee will be included in
        the Investment Advisory Agreement signed by the client and Beantown Financial
        Advisors LLC. The fee is paid quarterly, at the end of each quarter. Contracted work
        begins immediately.

                              Beantown Financial Advisors, LLC

    Fee Billing
        Investment Advisory fees are billed quarterly, in arrears, meaning that we invoice you
        after the three-month billing period has been completed. Payment in full is expected
        upon invoice presentation. 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.
         Wealth Management fees are billed 50% at the beginning of the engagement and the
         balance approximately 6 months later. Contracted work begins immediately.

    Other Fees
        Custodians may charge transaction fees on purchases or sales of certain mutual funds
        and exchange-traded funds. Further, there may be charges for certain actions in a client
        account (client requested overnight checks, etc). Clients may also incur account
        termination fees upon the transfer of an account from one custodian to another.
         We do not receive any portion of these transaction, service, or transfer fees.

    Expense Ratios
        Mutual funds, separate accounts, and exchange-traded funds (ETFs) charge an expense
        to owners. These expenses include management fees and administration charges.
        Performance figures quoted in various publications for mutual funds and ETFs are after
        the expense ratio has been deducted. Separately managed accounts are reported gross
        and net of fees.
         These fees are in addition to the fees paid by you to Beantown Financial Advisors LLC.
         We do not receive any portion of the expenses paid to mutual funds, ETFs, or separately
         managed accounts.

Types of Clients
    Description
        Beantown Financial Advisors LLC generally provides investment advice to individuals,
        their families, and trusts. We also provide advice to estates, charitable organizations,
        pension & profit sharing plans, and corporations/business entities.
         Client relationships vary in scope and length of service.

    Account Minimums
        We do not require an account minimum, but we do impose minimum annual fees.
         The minimum annual fees are:

                                Beantown Financial Advisors, LLC

             Wealth Management Relationship                    $2,500
             Investment Advisory Relationship                  $3,000
         Beantown Financial Advisors LLC, in its sole discretion, may waive or reduce its
         minimum fees and/or charge a lesser investment advisory fee 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.).

Methods of Analysis, Investment Strategies and Risk of Loss