Centerpoint Advisors LLC

Item 5. Fees and Compensation

Centerpoint offers its services on a fee basis, which may include hourly fees, as well as fees based upon
assets under management. Centerpoint may also pass along certain administrative or overhead costs to
clients that the firm incurs in the course of providing its services (e.g., expenses for an audit of the accounts
over which Centerpoint maintains custody, or for our use of portfolio management software).

Financial Planning Fees

Centerpoint may charge either an hourly fee or a flat fee for financial planning services. These fees are
negotiable, but generally range from $350 to $400 on an hourly rate basis or $3,500 to $10,000 on a flat
fee basis, depending upon the level and scope of the services and the professional rendering the financial
planning services. If the client engages Centerpoint for additional investment advisory services, Centerpoint
may offset all or a portion of its fees for those services based upon the amount paid for the financial planning
services.

Prior to engaging Centerpoint to provide financial planning services, the client is required to enter into a
written agreement with Centerpoint setting forth the terms and conditions of the engagement. Generally,
Centerpoint requires one-half of the financial planning fee (estimated hourly or fixed) payable upon
entering the written agreement. The balance is generally billed as services are performed, or may become
due upon delivery of the financial plan or completion of the agreed upon services.

Family Office and Consulting Fees

Centerpoint’s family office and consulting services are generally included under an investment
management engagement, and provided as part of the annual asset-based fee set forth below. Under
certain circumstances, Centerpoint may also charge an hourly fee for its family office and/or consulting
functions. Centerpoint charges this hourly fee in the event 1) a non-investment management client engages
the firm to provide these services, or 2) an existing client engages Centerpoint to provide services requiring
an excessive amount of time and/or substantial resources.

The hourly rate is negotiable, but generally ranges from $350.00 to $400.00 per hour. This fee is largely
determined by the level and scope of the services and the professional engaged to render them. If the
client engages Centerpoint for additional investment advisory services, Centerpoint may offset all or a
portion of its fees for those services based upon the amount paid for the family office and/or consulting
services. Additionally, Centerpoint may also pass along to clients certain out-of-pocket expenses that the
firm incurs in the course of providing its services (e.g., travel expenses).

Prior to engaging Centerpoint to provide family office and/or consulting services, the client is required to
enter into a written agreement with Centerpoint setting forth the terms and conditions of the engagement.
Generally, Centerpoint requires one-half of the estimated hourly fee payable upon entering the written
agreement. The balance is generally billed as services are performed, or may become due upon
completion of the agreed upon services.

Centerpoint Advisors, LLC Disclosure Brochure

Investment Management and Advisory Fees

Centerpoint provides a broad range of investment management services for an annual fee based upon a
percentage of the market value of the assets being managed by Centerpoint. Centerpoint’s annual fee is
prorated and charged monthly (or quarterly in certain cases), in arrears, based upon the market value of
the assets being managed by Centerpoint on the last day of the previous month (or quarter). Centerpoint’s
annual fee is exclusive of, and in addition to, brokerage commissions, transaction fees, and other related
costs and expenses which are incurred by or assessed to the client. Centerpoint does not, however, receive
any portion of these commissions, fees, and costs.

Subject to a minimum fee as explained below, the annual fee varies between 0.40% to 1.50%. The actual
fee is based on the amount of assets under management, the asset allocation of the assets, as well as the
scope of services requested and decided upon by mutual agreement between both parties. Such services
may include, but are not limited to, multigenerational investment and financial education, investment related
tax information preparation and coordination with client’s accountant/CPA, coordination with client’s estate
attorney to assist with estate plan execution and investment asset retitling, education expense planning,
review of employer-based retirement plans, and budget planning.

Centerpoint, in its sole discretion, may negotiate to charge a lesser management fee based upon certain
criteria (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of assets
to be managed, related accounts, account composition, pre-existing client, account retention, pro bono
activities, etc.).

Minimum Investment Management Fee

As a condition for starting and maintaining a relationship, Centerpoint generally imposes a minimum annual
fee of $30,000. This means that for clients with managed assets below a certain amount, the annual fee
assessed may be higher than the rates quoted above in order to meet the minimum fee. This minimum fee
may have the effect of making Centerpoint’s services impractical for certain clients. Centerpoint, in its sole
discretion, may waive its minimum annual fee based upon certain criteria including anticipated future
earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related
accounts, account composition, pre-existing client, account retention, and pro bono activities.

Fees Charged by Financial Institutions

As further discussed in response to Item 12, Centerpoint generally recommends that clients utilize the
...

Item 7. Types of Clients

Centerpoint provides its services to individuals, pension and profit sharing plans, trusts, estates,
charitable organizations, corporations and business entities.

Centerpoint Advisors, LLC Disclosure Brochure