Bloom Investment Advisors LLC

Item 5 - Fees and Compensation
    A. Fees for Advisory Services

Bloom charges a fixed monthly fee (“Subscription Fee”). The Subscription Fee is either $15 each month
or $120 per year for Clients, as selected by the Client through the Investment Platform. As stated
previously, Client Accounts are established under the Uniform Gifts to Minors Act (“UGMA”) or the
Uniform Transfers to Minors Act (“UTMA”) for the benefit of a minor. Client Accounts are converted to
traditional brokerage accounts when Authorized Users have reached the age or majority (i.e. – 18+).
For these Client accounts, or for any Client who is onboarded to the Platform that has created a
traditional brokerage account and not a minor, Client Accounts are charged a fixed monthly fee of $15
or $60 per year. The billing period for the applicable Subscription Fee (“Billing Period”) begins on the
effective date of the Advisory Agreement. The Subscription Fee is charged in advance.

In addition to the Subscription Fee, Bloom charges a three percent (3%) fee (“Deposit Fee”) on debit
card deposits made to Clients’ Investment Accounts. Bloom also accepts voluntary tips through the
Platform (“Tips”).

    B. Fee Deduction

Clients authorize Bloom to bill its fees from the funding source on file with Bloom or instruct the
Custodian to charge your Investment Account for the amount of its fees and to remit such fees to
Adviser. You authorize Adviser to, at its sole discretion, sell securities in your Investment Account to
generate free cash in order to deduct its fees.

    C. Fees Charged by Financial Institutions

The issuer of some of the securities or products purchased for Clients, such as ETFs, may charge product
fees that affect Clients. Bloom does not charge these fees to Clients and does not benefit directly or
indirectly from any such fees. An ETF typically includes embedded expenses that may reduce the fund’s
net asset value, and therefore directly affect the fund’s performance and indirectly affect a Client’s
portfolio performance or an index benchmark comparison.

In connection with the Bloom’s non-discretionary management of client assets, and any purchase or
sales by a Client, Clients may incur fees and/or expenses separate from the Bloom’s services. These
additional fees and charges may include transaction and execution charges and the fees/expenses
charged by any custodian, and other transaction-related costs, electronic fund and wire fees, and any
other fees that reasonably may be borne by a brokerage account. These fees and/or expenses are
separate from and in addition to fees that Bloom may charge, if any. These fees are typically charged
by and paid to the broker/dealer or custodian from the Clients’ accounts. Bloom does not receive,
directly or indirectly, any portion of these third-party fees charged to the Client.

    D. Fees Payable in Advance

As set forth above, Bloom’s Subscription Fee is payable monthly in advance. In the event a Client
terminates their Advisory Agreement with the Firm, such termination will be effective at the end of the
current Billing Period and no refund will be due.

                                          Form ADV Part 2A                                       Page 7

     E. Receipt of Compensation of the sale of Securities or Other Investments

In addition, none of the Bloom’s employees receive (directly or indirectly) any compensation from the
purchase or sale of securities or investments for Clients apart from the advisory fees described above.

                                           Form ADV Part 2A                                       Page 8

Item 7 – Types of Clients
Bloom’s Platform is intended for use by individual investors.

Bloom does not currently require a minimum amount in order to open an account. Bloom reserves the
right to impose a minimum or maximum account size or value in the future at its discretion. If and when
Bloom chooses to impose a minimum or maximum account size, Bloom will provide written notice to
all Clients by amending this Brochure.

Bloom further reserves the right to require additional disclosure information from Clients with
Investment Accounts in excess of $100,000.

                                           Form ADV Part 2A                                     Page 10