Clarity Wealth Development LLC

ITEM 5- FEES & COMPENSATION

 A. Compensation

 Clarity charges three types of fees – financial planning fee (“Planning Fee”), investment management
 fee (“Annual Advisory Fee”), and Net Worth retainer fee (“Retainer Fee”). The fees stated below may
 be negotiated on occasion, based on the firm's discretion.

 Planning Fees
 Comprehensive Financial Planning has a one-time planning fee of up to $10,000, based on complexity
 and time. In certain cases, Clarity will charge an hourly rate not to exceed $400 per hour. At the time
 of engagement, the contract will state your fees. This is payable during the planning process and
 clients may set up a mutually agreed upon payment plan.

 A comprehensive financial plan fits those that need specialized financial planning. For clients that have
 over $500,000 under management by Clarity, the planning is included as a part of the Annual Advisory
 Fee or the Retainer Fee, as applicable. (Described below).

 If a client elects to pay the planning fee via credit card, Clarity will charge an additional 3.6% processing
 fee based on the fee charged to the credit card. Please note that clients are not obligated to pay via
 credit card.

Annual Advisory Fee
Management fees, which cover the investment and management of client assets at Schwab and
comprehensive financial planning services, are based on investment account balances. Households
are aggregated, meaning that individual accounts under one household are combined for calculation
of fees, which works in the favor of the client by minimizing fees. Fees are paid quarterly at the end
of each quarter. Fees are calculated based on the average daily balance of household accounts for
the quarter. Clarity does not impose minimums but may suggest another advisor depending on the
overall cost of doing business with small account sizes.

                    Assets Under Management                     Annual Advisory Fee*
                          First $1,000,000                               1.00%
                   Next $1,000,000 - $3,000,000                          0.75%
                    Next $3,000,000 - $5,000,000                         0.50%
                       $5,000,000 and above                              0.25%

*The Fee Schedule is subject to a $5,000 minimum annual fee.

Retainer Fee
Net Worth fees, which cover the investment and management of client assets at Schwab and
comprehensive financial planning services, are based on the client’s Net Worth. Net Worth excludes
the client’s primary residence as well as any businesses or assets that Clarity does not consult.
Clarity will reevaluate the client’s Net Worth annually. The fee may be adjusted up or down
accordingly, but in no case shall exceed 1.00% of the client’s Net Worth. Fees are paid quarterly, at
the end of each quarter.

Note: Fee Differentials. As indicated above, Clarity shall price its services based upon various
objective and subjective factors. As a result, clients could pay diverse fees based upon the market
value of their assets, the complexity of the engagement, and the level and scope of the overall
financial planning and/or consulting services to be rendered. Current clients may pay more than
previous clients based on changes in pricing throughout the years. The services provided by Clarity
to any client could be available from other advisors at lower fees. All clients and prospective clients
should be guided accordingly.

B. Fee payment options

With signed client permission on a Limited Power of Attorney, Clarity can withdraw account
management fees at the end of each quarter. Clients may choose to be billed outside of their accounts
at the end of each quarter. Fees for financial planning are billed and due according to the mutually
agreed upon payment plan.

If a client elects to pay any fees via credit card, Clarity will charge an additional 3.6% processing fee
based on the fee charged to the credit card. Please note that clients are not obligated to pay via credit
card.

 C. Other types of fees

 Clarity fees do not include fees charged by your custodian, mutual funds and other money managers,
 including management fees, custodial fees, mutual fund fees, taxes and transfer fees. The fees
 charged by Clarity are in addition to fees charged by any mutual fund in which a client's funds may be
 invested. The mutual funds held in a client's portfolio, such as money market funds, will assess
 charges and fees at the fund level, including fees for investment management services provided to
 the mutual fund by the fund's investment adviser. All such fees and charges are disclosed in the
 prospectus of the applicable mutual fund. Clarity does not receive a portion of any of these fees. Simply
 put, they are a necessary part of doing business in the securities industry.

 D. Fees in advance of service

 Comprehensive Financial Planning for one-time planning (no AUM services) fee and/or hourly fee
 agreements may have an upfront deposit. No services are pre-paid for more than six months of
 services. If the client cancels within five business days of signing a contract, 100% of the fees will be
 refunded. Thereafter, the fees refunded will be pro-rated to the effective date of termination. The
 Consultation fee will only be refunded if the consultation does not occur.

 E. Compensation (commissions) for the sales of securities

 No one at Clarity accepts commissions or any other form of compensation for selling securities
 or other investment products. All insurance or annuity purchases are bought using fee-only
 products and we receive no commission.

ITEM 7- TYPES OF CLIENTS

 Clarity Wealth Development provides comprehensive financial planning, consultations, and portfolio
 management services to individuals and families. In addition, Clarity may be a coordinator working
 with the client and their other advisors as needed to help implement recommended strategies.

 Clarity does not impose any requirements on the minimum account size for opening or maintaining
 an account, however planning fees are not included with advisory services fees for clients with
 household account sizes less than $500,000. In other words, planning fees are charged in addition to

 advisory fees for households with less than $500,000 in accounts under management at CWD.