Blue Curve Advisory LLC

Item 5 Fees and Compensation
Financial Planning Services
We offer stand-alone financial planning services for up to $25,000 and is payable as invoiced. Our fee
is negotiable depending upon the complexity and scope of the plan, your financial situation, and your
objectives. The fee you pay is outlined in the financial planning agreement you sign with us. We do not
require you to pay fees six or more months in advance. Should the engagement last longer than six
months between acceptance of financial planning agreement and delivery of the financial plan, any
prepaid unearned fees will be promptly returned to you less a pro rata charge for bona fide financial
planning services rendered to date.

Portfolio Management Services
We consider financial planning an integral aspect of the portfolio management process designed to
assist our clients in reaching their financial and retirement goals. We require you to sign an agreement
with Blue Curve Advisory for our financial planning services before signing a portfolio management
agreement with us. Our one-time initial fee is negotiable and ranges from $1,000 to $5,000 depending
upon the complexity and scope of the plan, your financial situation, and your objectives. The fee you
pay is outlined in the financial planning agreement you sign with us. The initial financial planning fee
is billed and payable in advance. This fee is non-refundable unless the contract is terminated within
five (5) days of signing the financial planning agreement.

Upon signing a portfolio management agreement with us, our fee for portfolio management services
provided is based on a percentage of the assets in your account and is set forth in the following annual
fee schedules:

Assets Under Annual
Management      Fee
                 1.26
 under $750,000
                  %
  $750,000.01 to 1.00
   $2,000,000     %
$2,000,000.01 to 0.50
   $5,000,000     %
                 0.30
above $5,000,000
                  %

Legacy Clients are clients transferring from Osaic Wealth, Inc. to Blue Curve Advisory. Legacy clients
will follow the tiered fee schedule listed above. Non-legacy clients are charged an annual fee of 1.50%
for assets under management under $750,000. Assets under management above $750,000.01 will
follow the tiered fee schedule listed above. Our annual portfolio management fee is billed and payable
as invoiced, quarterly in advance, based on the balance at end of billing period.

If the portfolio management agreement is executed at any time other than the first day of a calendar
quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the quarter for which you are a client. Our advisory fee is

negotiable, depending on individual client circumstances. The fees will be prorated for the quarter in
which the termination notice is given, which means that you will incur advisory fees only in proportion
to the number of days in the quarter for which you are a client.

We will not require prepayment of a fee more than six (6) months in advance and in excess of $1,200.

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. The qualified custodian will deliver an account
statement to you at least quarterly. These account statements will show all disbursements from your
account. If our firm sends a copy of our invoice to you, a legend urging the comparison of information
provided in our statement with those from the qualified custodian will be included. You should review
all statements for accuracy.

We encourage you to reconcile our invoices with the statement(s) you receive from the qualified
custodian. If you find any inconsistent information between our invoice and the statement(s) you
receive from the qualified custodian call our main office number located on the cover page of this
brochure.

You may terminate the portfolio management agreement upon 15 days written 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 pre-paid advisory fees that we have not yet earned, you will receive
a prorated refund of those fees.

Tax Preparation Services
We offer tax preparation services as a standalone service. We charge a fixed fee range of $500 to
$3,000 for tax preparation services. The fee is negotiable depending upon the complexity and scope of
the tax plan and the estimated time to prepare your taxes.

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
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Item 7 Types of Clients
We offer investment advisory services to individuals including high net worth individuals, pension and
profit sharing plans (but not the plan participants), and corporations or other businesses.

We require a minimum of $25,000 to open and maintain an advisory account. At our discretion, we
may waive this minimum account size.

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.