Cathy Pareto and Associates Inc

Fees and Compensation - Item 5

 Azzendo Wealth Advisors charges fees based on percentage of assets under management, hourly
 charges, fixed fees or other fees for its advisory services. At the sole discretion of Azzendo Wealth
 Advisors, these fees are negotiable.

 Wealth Management Services Fees
 Wealth management clients are first charged a financial planning service fee in accordance with the
 broad-based financial plan fee schedule and payment arrangements listed in the Financial Planning
 Services Fees section below. Our portfolio management services fees and payment arrangement are
 disclosed below.

 Portfolio Management Services Fees
 If you decide to engage Azzendo Wealth Advisors for portfolio/asset management services, we will do
 so on a fee basis. We will charge an annual fee based upon a percentage of the market value of the
 assets being managed. Our fee for portfolio/asset management services is set forth in the following
 blended fee schedule:

         Assets Under Management                                 Annual Fee
         First $1,000,000                                        1.00% per year
         Next $1,000,000                                         0.80% per year
         Next $1,000,000                                         0.75% per year
         Next $2,000,000                                         0.70% per year

 For example, a client with a managed account worth $3,000,000, will incur the following annual asset
 management fee:
                                 First $1,000,000 x 1.0%: $10,000
                                 Next $1,000,000 x 0.80%: $8,000
                                 Next $1,000,000 x 0.75%: $7,500
                                 Total annual fee: $25,500

Azzendo Wealth Advisors
Form ADV Part 2A

 **For client relationships over $5 million, the following fee schedule is typically applied:

         Assets Under Management                                      Annual Fee
         First $5,000,000                                             0.75% per year
         Next $5,000,000                                              0.55% per year
         Next $5,000,000                                              0.45% per year
         Next $5,000,000                                              0.35% per year
         Accounts over $20 million                                    Negotiable

 Azzendo Wealth Advisors generally requires a minimum of $1,500,000 to open and maintain an
 individually managed account. This account minimum may be waived at the discretion of the Firm.
 Where the Firm waives this account minimum, the annual fee will be set at 1.50%, subject to a $10,000
 minimum annual fee.

 Azzendo Wealth Advisors allows the accounts for members of the same household to be combined for
 fee-paying purposes. We combine the account valuations to assist you in meeting fee breakpoints and
 therefore lowering the overall fee level. Azzendo Wealth Advisors extends this option to all accounts
 residing in the same household.

 Legacy clients will be subject to a different fee schedule. These fees will be clearly listed in the advisory
 agreement signed by the client and our firm. In limited circumstances, other fee arrangements may be
 negotiated. For example, at our discretion, we may agree to an annual fixed fee for management
 services. Such arrangements are negotiable on a client‐by‐client basis and will be clearly set forth in
 the management agreement with our firm.

 Azzendo Wealth Advisors will either bill you directly for payment of our fees or the fees will be
 deducted from your account. Fees are billed quarterly, in arrears and are based on the value of your
 portfolio at the end of the preceding quarter (or on the negotiated fixed fee, where applicable).
 Payment in full is expected upon invoice presentation. Fees are usually deducted from a designated
 client asset account to facilitate billing. The qualified custodian will provide you with an account
 statement at least quarterly. This statement will detail all account activity, including the advisory fees
 deducted from your account(s).

 Our annual fee is exclusive of, and in addition to brokerage commissions, transaction fees, and other
 related costs and expenses, which will be incurred by the client. However, we will not receive any
 portion of the commissions, fees, and costs. Please see Item 12 – Brokerage Practices for further
 information on brokerage and transaction costs.

 For the initial period of investment management services, the first period’s fees will be calculated on
 a pro-rata basis. The Advisory Agreement between Azzendo Wealth Advisors and the client will
 continue in effect until either party terminates the Agreement in accordance with the terms of the

Azzendo Wealth Advisors
Form ADV Part 2A

 Agreement. Azzendo Wealth Advisors' annual fee will be pro-rated through the date of termination
 and any remaining balance shall be charged or refunded to the client, as appropriate, in a timely
 manner.

 Financial Planning Services Fees
 Azzendo Wealth Advisors may provide its clients with financial planning and consulting services.
 Azzendo Wealth Advisors will charge a fixed fee and/or hourly fee for consulting services. Our
 consulting fees are negotiable and are payable as invoiced. We utilize the following financial planning
 fee schedules:

     •   Fixed Fees: Azzendo Wealth Advisors will charge a fixed fee that ranges from $7,500.00 to
         $25,000.00, for broad based planning services. In limited circumstances, the total cost could
         potentially exceed $25,000.00. In these cases, we will notify the client and may request that
         the client pay an additional fee.

     •   Hourly Fees: Azzendo Wealth Advisors charges an hourly fee of $750 for clients who request
         specific services (such as a modular plan or hourly consulting services) and do not desire a
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Types of Clients - Item 7

 We offer investment advisory services to individuals, pension and profit-sharing plan participants,
 guardianships, trusts and estates.

 Azzendo Wealth Advisors requires a minimum of $1,500,000 to open and maintain an advisory
 account. At our sole discretion, we may waive this requirement. This requirement can be met by
 combining two or more accounts owned by you or related family members. Where the Firm waives
 this account minimum, the annual fee will be set at 1.50%, subject to a $10,000 minimum annual fee.
 The fee will not exceed 3% of assets under management.

                 Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 The following are different methods of analysis that we may use when providing you with investment
 advice:

     •   Charting – charting is a technique that attempts to forecast future market moves by studying
         historical data on charts.
     •   Fundamental Analysis – fundamental analysis is a technique that attempts to determine a
         security’s value by focusing on underlying factors that affect a company's actual business and
         its future prospects. The term refers to the analysis of the economic well-being of a financial
         entity as opposed to only its price movements.
     •   Technical Analysis – technical analysis is a technique that relies on the assumption that current
         market data (such as charts of price, volume, and open interest) can help predict future market
         trends, at least in the short term. It assumes that market psychology influences trading and
         can predict when stocks will rise or fall.
     •   Cyclical Analysis – cyclical analysis is a technique that looks at cycles, specifically analyzing the
         way prices follow certain patterns and trends.

 We may use one or more of the following investment strategies when advising you on investments:

     •   Long Term Purchases – securities held for over a year.
     •   Short Term Purchases – securities held for less than a year.

Azzendo Wealth Advisors
Form ADV Part 2A

 The investment advice provided along with the strategies suggested by Azzendo Wealth Advisors will
 vary depending on each client’s specific financial situation and goals. Investing in securities involves
 risk of loss that clients should be prepared to bear. This brief statement does not disclose all of the
 risks and other significant aspects of investing in financial markets. In light of the risks, you should fully
 understand the nature of the contractual relationship(s) into which you are entering and the extent of
 your exposure to risk. Certain investing strategies may not be suitable for many members of the public.
 You should carefully consider whether the strategies employed would be appropriate for you in light
 of your experience, objectives, financial resources and other relevant circumstances.

 General Investment Risk: All investments come with the risk of losing money. Investing involves
 substantial risks, including complete possible loss of principal plus other losses and may not be suitable
 for many members of the public. Investments, unlike savings and checking accounts at a bank, are not
 insured by the government to protect against market losses. Different market instruments carry
 different types and degrees of risk and you should familiarize yourself with the risks involved in the
 particular market instruments you intend to invest in.

 Loss of Value: There can be no assurance that a specific investment will achieve its investment
 objectives and past performance should not be seen as a guide to future returns. The value of
 investments and the income derived may fall as well as rise and investors may not recoup the original
 amount invested. Investments may also be affected by any changes in exchange control regulation, tax
 laws, withholding taxes, international, political and economic developments, and government,
 economic or monetary policies.

 Interest Rate Risk: Fixed income securities and funds that invest in bonds and other fixed income
 securities may fall in value if interest rates change. Generally, the prices of debt securities rise when
 interest rates fall, and their prices fall when interest rates rise. Longer-term debt securities are usually
 more sensitive to interest rate changes.

 Credit Risk: Investments in bonds and other fixed income securities are subject to the risk that the
 issuer(s) may not make required interest payments. An issuer suffering an adverse change in its
 financial condition could lower the credit quality of a security, leading to greater price volatility of the
 security. A lowering of the credit rating of a security may also offset the security's liquidity, making it
 more difficult to sell. Funds investing in lower quality debt securities are more susceptible to these
 problems and their value may be more volatile.

 Foreign Exchange Risk: Foreign investments may be affected favorably or unfavorably by exchange
 control regulations or changes in the exchange rates. Changes in currency exchange rates may
 influence the share value, the dividends or interest earned and the gains and losses realized. Exchange
 rates between currencies are determined by supply and demand in the currency exchange markets,
 the international balance of payments, governmental intervention, speculation and other economic

Azzendo Wealth Advisors
Form ADV Part 2A

 and political conditions. If the currency in which a security is denominated appreciates against the US
 Dollar, the value of the security will increase. Conversely, a decline in the exchange rate of the currency
 would adversely affect the value of the security.

 Risks Associated with Investing in Alternative Investments: We may recommend to qualified clients
 the use of alternative investments such as investments in real estate, private equity, or hedge funds.
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