Canopy 360 Wealth LLC

Fees and Compensation

The following types of fees will be assessed:

Asset Management – Fees are charged monthly in advance and are based primarily on asset size
and the level of complexity of the services provided. In individual cases, Canopy 360 has the
sole discretion to negotiate fees that are lower than the standard fee shown or to waive fees. Fees
are not based on the share of capital gains or capital appreciation of the funds or any portion of
the funds. Comparable services for lower fees may be available from other sources. Fees for the
initial month or quarter will be prorated based upon the number of calendar days in the calendar
month or quarter that the advisory agreement is in effect. Fees are based on the market value of
the assets on the last business day of the previous month or quarter. Annual fees range from
.75% - 3.00% depending on the amount of assets under management (“AUM”) – See chart
below. Consulting services are included in these fees for asset management services with the
exception of unique circumstances that may require a separate agreement for financial planning
services (description and fees are discussed below). If the situation warrants separate financial
planning fees, it will be discussed upfront and a separate agreement will be negotiated.

Fee Schedule for Asset Management:

   Total Account Value                                 Maximum Annual Advisory Fee

 First $250,000                                                     3.00%
 Next $250,000                                                      2.50%
 Next $500,000                                                      2.00%
 Next $1,500,000                                                    1.50%
 Next $2,500,000                                                    1.00%
 Additional Assets                                                  0.75%

As authorized in the client agreement, the account custodian withdraws Canopy 360 Wealth,
LLC’s advisory fees directly from the clients’ accounts according to the custodian’s policies,
practices, and procedures. The custodial statement includes the amount of any fees paid to Canopy
360 for advisory services. You should carefully review the statement from your custodian/broker-
dealer’s statement and verify the calculation of fees. Your custodian/broker-dealer does not verify
the accuracy of fee calculations.

Fees are charged in advance on a monthly basis, meaning that advisory fees for a month are
charged on the first day of the month. Clients may terminate investment advisory services obtained
from Canopy 360, without penalty, upon written notice within five (5) business days after entering
into the advisory agreement with Canopy 360. The client is responsible for any fees and charges
incurred by the client from third parties as a result of maintaining the account such as transaction
fees for any securities transactions executed and account maintenance or custodial fees.
Thereafter, the client may terminate advisory services upon written notice delivered to and
received by Canopy 360. Clients who terminate investment advisory services during a month are
charged a prorated advisory fee based on the date of Canopy 360’s receipt of client’s written notice
to terminate. The client may obtain a pro-rated refund of a pre-paid fee if the advisory contract is
terminated before the end of the billing period by contacting Russell Lindsay at (352) 369-1120.

For clients that are referred to another SEC registered investment adviser, Canopy 360 will receive
a flat fee of 0.50%, collected by the referred entity and paid to Canopy 360.

Financial Planning – Financial planning services are charged in advance through a fixed fee or
hourly arrangement as agreed upon between the client and Canopy 360 Wealth, LLC. There will
never be an instance where $1,200 or more in fees is charged six or more months in advance.
Hourly fees are generally charged when the scope of services cannot be determined or if the
services are limited to one meeting. Fixed fees are generally quoted to the client for longer-term
consulting projects. Fees are negotiable and vary depending upon the complexity of the client
situation and services to be provided. Hourly fees range from $200 - $750 per hour, depending on
what is negotiated between Canopy 360 and the client. Similar financial planning services may
be available elsewhere for a lower cost to the client. Fixed fees for longer-term consulting projects
range from $750 to $50,000 per project. An estimate for total hours and charges is determined at
the start of the advisory relationship.

Typically, clients will be invoiced monthly for all time spent by Canopy 360 as agreed upon by
client or upon completion of the services if less than a month. Clients who wish to terminate the
planning process prior to completion may do so with written notice. Upon receipt of written
notification, any earned fee will immediately become due and payable, and any unearned, pre-paid
fee will be promptly refunded. A client may terminate an advisory agreement without being
assessed any fees or expenses within five (5) days of its signing.

Additional Fees and Expenses

In addition to advisory fees paid to Canopy 360 as explained above, clients may pay custodial
service, account maintenance, transaction, and other fees associated with maintaining the account.
Some of these fees may be included in Wrap Fee Program accounts as described above in Item 4
– Advisory Services. These fees vary by broker and/or custodian. Clients should ask Canopy 360
for details on transaction fees or other custodial fees specific to their account, as these fees are not
included in the annual advisory fee. Canopy 360 does not share any portion of such fees.
Additionally, for any mutual funds purchased, the client may pay their proportionate share of the
funds’ distribution, internal management, investment advisory and administrative fees. Such fees
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Types of Clients

Canopy 360 offers investment advisory services to individuals and small businesses. There is no
minimum account size to open and maintain an advisory account.

Form ADV, Part 2A, Item 8

       Methods of Analysis, Investment Strategies, and Risk of Loss

Canopy 360’s methods of analysis and investment strategies incorporate the client’s needs and
investment objectives, time horizon, and risk tolerance. Canopy 360 is not bound to a specific
investment strategy for the management of investment portfolios, but rather consider the risk
tolerance levels pre-determined gathered at the account opening, as well as on an on-going basis.
Examples of methodologies that our investment strategies may incorporate include:

Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix
of asset classes and the efficient allocation of capital to those assets by matching rates of return to
a specified and quantifiable tolerance for risk.

Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed dollar amount
of securities at regularly scheduled intervals, regardless of the price per share. This will gradually,
over time, decrease the average share price of the security. Dollar-cost averaging lessens the risk
of investing a large amount in a single investment at the wrong time.

Technical Analysis – involves studying past price patterns and trends in the financial markets to
predict the direction of both the overall market and specific stocks.

Long-Term Purchases – securities purchased with the expectation that the value of those securities
will grow over a relatively long period of time, generally greater than one year.

Short-Term Purchases – securities purchased with the expectation that they will be sold within a
relatively short period of time, generally less than one year, to take advantage of the securities’
short-term price fluctuations.

Our strategies and investments may have unique and significant tax implications. Regardless of
your account size or other factors, we strongly recommend that you continuously consult with a
tax professional prior to and throughout the investing of your assets.

Investing in securities involves risk of loss that clients should be prepared to bear. Although we
manage your portfolio with strategies and in a manner consistent with your risk tolerances, there
can be no guarantee that our efforts will be successful. You should be prepared to bear the risk of
loss.

All investments involve the risk of loss, including (among other things) loss of principal, a
reduction in earnings (including interest, dividends, and other distributions), and the loss of future
earnings. These risks include market risk, interest rate risk, issuer risk, and general economic risk.
Regardless of the methods of analysis or strategies suggested for your particular investment goals,
you should carefully consider these risks, as they all bear risks.

Below are some more specific risks of investing:

Market Risk. The prices of securities in which clients invest may decline in response to certain
events taking place around the world, including those directly involving the companies whose
securities are owned by the client or an underlying fund; conditions affecting the general economy;
overall market changes; local, regional or global political, social or economic instability; and
currency, interest rate and commodity price fluctuations. Investors should have a long-term
perspective and be able to tolerate potentially sharp declines in market value.

Management Risk. Canopy 360’s investment approach may fail to produce the intended results.
If our perception of the performance of a specific asset class or underlying fund is not realized in
the expected time frame, the overall performance of client’s portfolio may suffer.

Equity Risk. Equity securities tend to be more volatile than other investment choices. The value
of an individual mutual fund or ETF can be more volatile than the market as a whole. This volatility
affects the value of the client’s overall portfolio. Small- and mid-cap companies are subject to
additional risks. Smaller companies may experience greater volatility, higher failure rates, more
limited markets, product lines, financial resources, and less management experience than larger
companies. Smaller companies may also have a lower trading volume, which may
disproportionately affect their market price, tending to make them fall more in response to selling
pressure than is the case with larger companies.

Fixed Income Risk. The issuer of a fixed income security may not be able to make interest and
principal payments when due. Generally, the lower the credit rating of a security, the greater the
risk that the issuer will default on its obligation. If a rating agency gives a debt security a lower
rating, the value of the debt security will decline because investors will demand a higher rate of
return. As nominal interest rates rise, the value of fixed income securities is likely to decrease. A
nominal interest rate is the sum of a real interest rate and an expected inflation rate.

Municipal Securities Risk. The value of municipal obligations can fluctuate over time, and may
be affected by adverse political, legislative and tax changes, as well as by financial developments
that affect the municipal issuers. Because many municipal obligations are issued to finance similar
projects by municipalities (e.g., housing, healthcare, water and sewer projects, etc.), conditions in
the sector related to the project can affect the overall municipal market. Payment of municipal
obligations may depend on an issuer’s general unrestricted revenues, revenue generated by a
specific project, the operator of the project, or government appropriation or aid. There is a greater
risk if investors can look only to the revenue generated by the project. In addition, municipal bonds
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