Centric Advisors LLC

Item 5: Fees and Compensation

A. Fee Schedule

Asset-Based Fees for Portfolio Management

Centric will manage assets for a negotiated advisory fee between 0.25% - 2.50% for
investment advisory services. Cash is considered to be an asset class and as a result, is
included in the calculation of fees. Clients are billed monthly. Clients will have the option
to make payment by electronic bank transfer or withdrawn directly from client’s account.
Clients in Vermont will never be charged in excess of 2.00%.

Fees are generally negotiable, and the final fee schedule is attached as Exhibit I of the
Investment Advisory Contract. Clients may terminate the agreement without penalty for
a full refund of Centric's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract generally
with 14 days' written notice.

Centric uses end of month account value in the client's account throughout the billing
period, after taking into account deposits, for purposes of determining the market value
of the assets upon which the advisory fee is based.

There are times when a margin account is used to purchase securities for clients. Using
margin is not suitable for all investors. Please refer to Item 8 below for additional
information on the risks associated with margin accounts.

Financial Planning Fees

The following are the fees charged by Centric Advisors, LLC for services provided:

Comprehensive Financial Planning

Comprehensive Financial Planning consists of an upfront charge of $250 to $20,000 and
an ongoing fee that is paid monthly, or annually, in advance, at the rate of $99 to $10,000
per month to assist you with the plan’s execution and to monitor your progress. The fee
may be negotiable in certain cases. This service may be terminated with 30 days’ notice.
Upon termination of services, the fee will be prorated, and any unearned fee will be
refunded to the client.

Basic Financial Planning Fee

Basic Financial Planning will generally be offered on a fixed fee basis. In special
circumstances, it may be offered on an hourly basis at a rate of $ 100 to $ 500 per hour,
depending on the nature of the specified services. Fixed fees will be determined on a
case by case basis with the fee based on the complexity of the situation and the needs of
the client. The fixed fee will be agreed upon before the start of any work. The fixed fee can
range between $ 250 - $10,000. The fee is negotiable. If a fixed fee program is chosen, half
of the fee is due at the beginning of process and the remainder is due at completion of
work, however, Centric will not bill an amount above $500.00 more than 6 months in
advance.

Clients may terminate the agreement without penalty for a full refund of Centric's fees
within five business days of signing the Financial Planning Agreement. Thereafter, clients
may terminate the Financial Planning Agreement generally upon 30 days written notice.

Hourly Fees

The negotiated hourly fee for these services is between $150 and $500. Fees are charged
50% in advance, but never more than six months in advance, with the remainder due upon
presentation of the plan.

B. Payment of Fees

Payment of Asset-Based Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a monthly basis or may be invoiced and billed
directly to the client on a monthly basis. Clients may select the method in which they are
billed. Fees are paid in advance.

For fees deducted directly from client accounts, in states that require it, Centric will:

 (A) possess written authorization from the client to deduct advisory fees from an
     account held by a qualified custodian.
 (B) send the qualified custodian written notice of the amount of the fee to be deducted
     from the client’s account and verify that the qualified custodian sends invoices to
     the client.
 (C) send the client a written invoice itemizing the fee upon or prior to fee deduction,
     including the formula used to calculate the fee, the time period covered by the fee
     and the amount of assets under management on which the fee was based.

       Payment of Financial Planning Fees

       Financial planning fees are paid via check and wire.

       Fixed financial planning fees are paid 50% in advance, but never more than six months in
       advance, with the remainder due upon presentation of the plan.

       Hourly financial planning fees are paid 50% in advance, but never more than six months
       in advance, with the remainder due upon presentation of the plan.

       C. Client Responsibility For Third Party Fees

       Clients are still responsible for all other account fees, including but not limited to annual
       IRA fees to the custodian, transition fees if the account is moved to another broker, or
       mutual fund fees. Please refer to Item 12 of this brochure.

       D. Prepayment of Fees

       Centric collects fees in advance. Refunds for fees paid in advance will be returned within
       fourteen days to the client via check or return deposit back into the client’s account.

       For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
       the fees collected in advance minus the daily rate* times the number of days elapsed in
       the billing period up to and including the day of termination. (*The daily rate is calculated
       by dividing the annual asset-based fee rate by 365.)

       Fixed fees that are collected in advance will be refunded based on the prorated amount of
       work completed at the point of termination.

       For hourly fees that are collected in advance, the fee refunded will be the balance of the
       fees collected in advance minus the hourly rate times the number of hours of work that
       has been completed up to and including the day of termination.
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Item 7: Types of Clients

Centric generally provides advisory services to the following types of clients:

              Individuals
              High-Net-Worth Individuals
              Corporations
              Charitable Organizations

Minimum Account Size for Portfolio Management

There is no account minimum.