BFI Wealth Solutions LLC

Item 5 Fees and Compensation
Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account and
is set forth in the following annual fee schedule:

                                          Annual Fee Schedule

            Assets Under Management                                        Annual Fee
                 $0 to $2,000,000                                            1.00%

             $2,000,001 to $5,000,000                                          0.75%

                  Above $5,000,000                                             0.50%

Our annual portfolio management fee is billed and payable, quarterly in advance, based on the
balance at end of billing period. Prorated adjustments are made in arrears on deposits and
withdrawals based on amount and the date of transaction. Initially, an advisory account is first billed
from the date of inception until its first quarter end date, in arrears, in addition to quarterly advanced
billing. Our advisory fee is negotiable, depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when you have given our firm written authorization
permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an
account statement to you at least quarterly. These account statements will show all disbursements
from your account. You should review all statements for accuracy.

A portion of the fee you pay us may go to our affiliated accounting firm, Biel Fisette Iacono LLP, for
payment for preparation of income tax returns. This does not affect the advisory fee that you pay to
our Firm.

You may terminate the portfolio management agreement upon verbal notice. You will incur a pro rata
charge for services rendered prior to the termination of the portfolio management agreement, which
means you will incur advisory fees only in proportion to the number of days in the quarter for which you
are a client. If you have prepaid advisory fees that we have not yet earned, you will receive a prorated
refund of those fees.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You will also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not
share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
custodian. To fully understand the total cost you will incur, you should review all the fees charged by
mutual funds, exchange traded funds, our firm, and others. For information on our brokerage practices,
refer to the Brokerage Practices section of this brochure.

Compensation for the Sale of Securities or Other Investment Products
Persons providing investment advice on behalf of our firm are licensed as independent insurance
agents. These persons will earn commission-based compensation for selling insurance products,
including insurance products they sell to you. Insurance commissions earned by these persons are
separate and in addition to our advisory fees. This practice presents a conflict of interest because
persons providing investment advice on behalf of our firm who are insurance agents have an incentive
to recommend insurance products to you for the purpose of generating commissions rather than solely
based on your needs. You are under no obligation, contractually or otherwise, to purchase insurance
products through any person affiliated with our firm.

Arrangements with Affiliates
We sometimes refer clients to our affiliated accounting firm, Biel Fisette Iacono LLP, for accounting or
tax services. While we do not receive direct compensation for these referrals, we do benefit as a
partial owner of Biel Fisette Iacono, LLP. This presents a conflict of interest. You are under no
obligation, contractually or otherwise, to utilize any accounting or tax services we recommend.

Item 7 Types of Clients
We offer investment advisory services to individuals, including high net worth individuals, and
corporations or other businesses.

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, we have the right to terminate your Account if it falls below a minimum size which, in our sole
opinion, is too small to manage effectively.

We 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.