Byrne Financial Freedom LLC

Item 5 – Fees and Compensation

  The following paragraphs detail the fee structure and compensation methodology for services provided by
  the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a
  written agreement with the Advisor.

  A. Fees for Advisory Services
  Wealth Management Services
  For Clients engaged for comprehensive wealth management services, the Client will be charged a single
  combined fee for investment management and financial planning services based on the market value of
  assets under management. The Advisor does not charge a separate fee for financial planning engagements.

  Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
  wealth management agreement. Wealth management fees are based on the market value of assets under
  management at the end of the prior calendar quarter.

  Wealth management fees range from 0.25% to 2.50% annually based on several factors, including: the scope
  and complexity of the services to be provided; the level of assets to be managed; and the overall relationship
  with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions
  and other complexities may be charged a higher fee.

  The wealth management fee in the first quarter of service is prorated from the inception date of the account[s]
  to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees
  will take into consideration the aggregate assets under management with the Advisor. All securities held in
  accounts managed by Byrne Financial will be independently valued by the Custodian. The Advisor will
  conduct periodic reviews of the Custodian’s valuation to ensure accurate billing.

  Use of Independent Managers – As noted in Item 4, the Advisor will implement all or a portion of a Client’s
  investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the
  Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its wealth
  management fee as described above. Independent Managers typically do not offer any fee discounts but may
  have a breakpoint schedule which will reduce the fee with an increased level of assets placed under
  management with an Independent Manager. The terms of such fee arrangements are included in the
  Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The
  total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00%
  annually.

  Retirement Plan Advisory Services
  Fees for retirement plan advisory services are charged an annual asset-based fee of up to 2.5%, billed in
  advance, pursuant to the terms of the agreement. Retirement plan fees are based on the market value of
  assets under management at the end of the prior quarter.

  B. Fee Billing
  Wealth Management Services
  Wealth management fees are calculated by the Custodian and deducted from the Client’s account[s]. The
  Client shall instruct the Custodian to automatically deduct the wealth management fee from the Client’s
  account[s] for each billing period and pay the wealth management fee[s] to the Advisor. The Custodian will
  utilize the fee rate, as defined in the wealth management agreement, to indicate the fee to be deducted from
  the Client’s account[s] at the respective quarter-end date. The amount due is calculated by applying the
  quarterly rate (annual rate divided by 4) to the total assets under management with Byrne Financial at the end
                                             Byrne Financial Freedom, LLC
                                           11 East Street, Franklin, MA 02038
                                       Phone: (508) 528-9366 * Fax: (508) 528-9369
                                          http://www.byrnefinancialfreedom.com

  of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting
  deduction of the wealth management fee. It is the responsibility of the Client to verify the accuracy of these
  fees as listed on the Custodian’s quarterly statement as the Custodian does not assume this responsibility.
  Clients provide written authorization permitting the Custodian to pay Byrne Financial by direct deduction from
  their account[s] held by the Custodian as part of the wealth management agreement and separate account
  forms provided by the Custodian.

  Use of Independent Managers – For Client accounts implemented through an Independent Manager, the
  Client’s overall fees will include Byrne Financial’s wealth management fee (as noted above) plus investment
  management fees and/or platform fees charged by the Independent Manager. The Independent Manager
  will assume the responsibility for calculating the Client’s fees and deducting all fees from the Client’s
  account[s].

  Retirement Plan Advisory Services
  Byrne Financial is compensated for its services at the beginning of the quarter before advisory services are
  rendered. Fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan,
  depending on the terms of the retirement plan advisory agreement.

  C. Other Fees and Expenses
  Clients may incur certain fees or charges imposed by third parties in connection with investments made on
  behalf of the Client’s account[s]. Byrne Financial includes securities transactions costs as part of its overall
  investment advisory fee through the Byrne Financial Wrap Fee Program. Securities transaction fees for Client-
  directed trades may be charged back to the Client. Please see Item 4.D. above as well as Appendix 1 – Wrap
  Fee Program Brochure.

  In addition, all fees paid to Byrne Financial for wealth management services are separate and distinct from
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Item 7 – Types of Clients
  Byrne Financial offers wealth management services to individuals, high net worth individuals, trusts,
  estates, charitable organizations, retirement plans, and other businesses. The amount of each type of Client
  is available on the Advisor's Form ADV Part 1A. These amounts may change over time and are updated at
  least annually by the Advisor. Byrne Financial generally does not impose a minimum account size for
  establishing a relationship. However, certain independent managers may impose minimums for their
  investment strategies.