Bright Futures Wealth Management LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management & Selection of Other Advisers Fees

       Total Assets Under Management             Maximum Annual Fees
       $0 - $10,000                              2.50%

       $10,001 - $250,000                        2.50%

       $250,001 - $500,000                       2.25%

       $500,001 - $1,000,000                     1.75%

       $1,000,001 - $2,500,000                   1.50%

       $2,500,001 - $5,000,000                   1.25%

       $5,000,001 - $100,000,000                 1.00%

       The advisory fee is calculated using the value of the assets on the last business
       day of the prior billing period.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II
of the Investment Advisory Contract. Clients may terminate the agreement without
penalty and may receive a refund of BFWM's fees within five business days of signing
the Investment Advisory Contract, if fees are paid in advance. Thereafter, clients may
terminate the Investment Advisory Contract generally with 30 days' written notice.

Pension Consulting Services Fees

       Fixed Fees

       The rate for creating client pension consulting plans is up to $50,000.

       Hourly Fees

       The hourly fee for these services is between $100 and $300.

       Asset-Based Fees

        Total Assets Under Management              Maximum Annual Fees
        $0 - $10,000                               2.50%

        $10,001 - $250,000                         2.50%

        $250,001 - $500,000                        2.25%

        $500,001 - $1,000,000                      1.75%

        $1,000,001 - $2,500,000                    1.50%

        $2,500,001 - $5,000,000                    1.25%

        $5,000,001 - $100,000,000                  1.00%
       The advisory fee is calculated using the value of the assets on the last business day of
       the prior billing period.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the pension consulting agreement. Clients may terminate the agreement without penalty
and may receive a refund of BFWM's fees within five business days of signing the
Investment Advisory Contract, if fees are paid in advance. Thereafter, clients may
terminate the pension consulting agreement generally with 30 days' written notice.

Financial Planning Fees

       Fixed Fees

       The negotiable fixed fee for financial planning is up to $50,000.

       Hourly Fees

       The negotiable hourly fee for financial planning is between $100 and $300.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the financial planning agreement. Clients may terminate the agreement without penalty
for a full refund of BFWM's fees within five business days of signing the financial planning
agreement. Thereafter, clients may terminate the financial planning agreement generally
with 30 days' written notice.

Consulting Fees

       Fixed Fees

       The negotiable fixed fee for consulting is up to $50,000.

       Hourly Fees

       The negotiable hourly fee for consulting is between $100 and $300.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the financial planning agreement. Clients may terminate the agreement without penalty
for a full refund of BFWM's fees within five business days of signing the financial planning
agreement. Thereafter, clients may terminate the financial planning agreement generally
with 30 days' written notice.

B. Payment of Fees

Payment of Portfolio Management & Selection of Other Advisers Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
on a quarterly basis, with prior client's written authorization. Fees may be paid in advance
or in arrears, please reference Exhibit II of your BFWM Advisory Contract for which.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are either withdrawn directly from the client's
accounts with client's prior written authorization or billed directly to the client payable

via check or wire; the plan may select the method in which it is billed. Please reference
Exhibit II of your Investment Advisory Contract for how fees will be charged.

Fixed pension consulting fees are paid via check or wire. These fees are paid 50% in
advance, but never more than six months in advance, with the remainder due upon
presentation of the plan.

Hourly pension consulting fees are paid via check or wire. These fees are paid 50% in
advance, but never more than six months in advance, with the remainder due upon
presentation of the plan.

Payment of Financial Planning Fees

Financial planning fees are paid via check or wire, 50% in advance, but never more than
six months in advance, with the remainder due upon presentation of the plan.

Payment of Consulting Fees

Consulting fees are paid via check or wire, no more than $450 in advance. Written
invoices will be sent to the client for all future fees in arrears, payable within 30 days of
the invoice.

C. Client Responsibility For Third Party Fees

This brochure describes BFWM’s non-wrap fee advisory services; clients utilizing
BFWM’s wrap fee portfolio management should see the separate Wrap Fee Program
Brochure. Client accounts not participating in the wrap fee program are responsible for
the payment of all third party fees (i.e., custodian fees, brokerage fees, mutual fund fees,
transaction fees, etc.). Those fees are separate and distinct from the fees and expenses
charged by BFWM. Please see Item 12 of this brochure regarding broker/custodian
relationships.

D. Prepayment of Fees

Refunds of fees for accounts billed in advance will be returned within thirty days to the
client via check, or return deposit back into the client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
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Item 7: Types of Clients

BFWM generally provides advisory services to the following types of clients:

              ❖       Individuals/Estates
              ❖       Accredited Investors
              ❖       Entities (Corporations, Partnerships, Non-Profits)
              ❖       Trusts
              ❖       Pension and Profit Sharing Plans

There is no account minimum for any of BFWM’s services.