Cambridge Wealth Advisors LLC

FEES AND COMPENSATION (Item 5)

    Advisory Fees
    Cambridge Retirement Partners earns its fees and compensation by managing investments, providing
    planning and consultation services and advising retirement plans. Our fee schedules are as follows:

    Investment Management Fees
    Our investment management fees (Retail Advisory Fee Schedule) are assessed at an annual rate of up to
    2%. The fees are based on the value of the assets under management and the level of complexity involved
    in managing the assets. Our investment management fee schedule is negotiable and the final fee, as agreed
    upon, will be outlined in our advisory agreement.

                                         Sample Fee Calculation
                                        (Based on Annual Rate of 2%)
                                       Investments of $1,250,000
                             Quarterly fee of $6250 or Annual Fee of $25,000

    Retirement Planning & Consultation Fees
    We earn hourly fees at a rate of up to $750.00 per hour for retirement planning & consultation services.
    The hourly rate is based on the duration or frequency of the consultation sessions, the complexity of the
    financial matter (i.e., whether extensive research is involved, etc.), or the details included in a written
    retirement/financial plan. The hourly rate is negotiable and the final rate, as agreed upon, will be outlined
    in our advisory agreement.

    Retirement Plan Advisory Fees
    (a) ) Management Fees
    Our management fees for retirement plan advisory services are assessed at an annual rate of up to 2%. The
    fees are based on the value of the assets under management and the level of complexity involved in
    managing the assets. These fees may be allocated separately or collectively among different plan advisory
    and plan participant services. Management fees are negotiable and the final fee, as agreed upon, will be
    outlined in our advisory agreement.

    (b) Consultation fees
    Depending on the nature of the advice, retirement plan advisory services may also encompass consultation
    services at an hourly rate of up to $750.00 per hour. The rate may vary based on whether the consultation
    sessions are for plan sponsor guidance or general information services for its participants.

    Billing Procedures
    Cambridge Retirement Partners’ billing procedures for advisory fees are as follows:

    Investment Management Service Fees
    Fees for investment management services are billed in advance at either monthly or quarterly intervals. The
    fee assessment is a percentage of assets under management based on the value of the account as of (1) close
    of trading on the last business day of the preceding month, or (2) close of trading on the last business day
    of the preceding quarter. The quarterly billing periods are January 1, April 1, July 1, and October 1, and
    monthly billing periods follow correspondingly. Unless clients request otherwise, the Firm generally
    receives written authorization to deduct advisory fees directly from clients’ account(s).

     Retirement Planning & Consultation Fees
     Retirement and Financial Planning fees are billed at an hourly rate and payable upon delivery of written
     plan or completion of consultation session(s).

     Retirement Plan Advisory Service Fees
     Fees for management services to Retirement Plan Sponsors and Participants are billed either monthly or
     quarterly in advance. The fee assessment is based on the types of services provided and may be a percentage
     (or incremental percentages) of assets under management. The asset value is based on the value of the
     account as of (1) close of trading on the last business day of the preceding month, or (2) close of trading on
     the last business day of the preceding quarter. The quarterly billing periods are January 1, April 1, July 1,
     and October 1, and monthly billing periods follow correspondingly. Plan sponsors generally provide written
     authorization for the Firm to deduct advisory fees directly from plan assets. Advisory fees for consultative
     services to Plan Sponsors and Participants are billed at an hourly rate and are payable upon completion of
     consultation session(s). Generally, these fees are by agreement authorized for deduction from plan assets.

     Other Fees & Expenses
     Clients will also incur additional fees and expenses related to management of investments and advisory
     service provisions. These fees may include but are not limited to no-load mutual fund ticket charges,
     brokerage transaction costs, deferred sales charges on previously purchased mutual funds, IRA
     maintenance fees and other legal or transfer fees. The broker-dealers, mutual fund companies, other
     custodians, and record keepers, who provide services for your account charge these fees (“third party fees”),
     and clients are responsible for payment of all third-party fees and expenses. It is important to note that the
     advisory fees paid to Cambridge Retirement Partners are separate and distinct from the maintenance fees
     and transaction expenses charged by these third parties. Please refer to Item 12, Brokerage Practices for
     more information regarding our brokerage/account custodian(s).

     Refund Policy
     Clients who do not receive this Brochure at least 48 hours in advance of signing the advisory agreement are
     afforded the right to terminate their agreement within five (5) days, without penalty. Upon expiration
     of the five (5) day period, either party may terminate the advisory agreement by providing ninety (90)
     days written notice to the other party. Upon termination of account, any prepaid, unearned fees will be
     assessed pro-rata and refunded promptly, and any earned, unpaid fees will be collected prior to
...

TYPES OF CLIENTS (Item 7)
     Cambridge Retirement Partners manages wealth portfolios of different types of clients. We generally
     provide advice to Individuals, High Net-Worth Individuals, Banking & Thrift Institutions, Pension & Profit-
     Sharing Plans, Corporations, and Other Business Entities.

     There is a minimum family of investment accounts value of $1,000,000. The minimum may be waived
     based on the complexity of the situation, needs of the client, and other criteria at the sole discretion of the
     Firm.

METHODS OF ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS