Comprehensive Financial Consultants Institutional Inc

Item 5 Fees and Compensation
Portfolio Management Services
Our annual advisory fee is billed and payable quarterly in advance based on the balance on the last
trading day of the preceding quarter. We also offer billing monthly in advance based on the balance on
the last trading day of the preceding month. The market value is determined by the custodial firm. If the
portfolio management agreement is executed at any time other than the first day of a calendar quarter,
our fees will apply on a pro rata basis, which means that the advisory fee is payable in proportion to
the number of days in the quarter for which you are a client. Our advisory fee is negotiable, depending
on individual client circumstances, and is based on the following fee schedule:

                            Mutual Fund Model    Fixed Income Model    Equity Blended Model    ABP/CoreEQ Model
                               Adviser &            Adviser &              Adviser &             Adviser &
           Assets
                             Management Fee       Management Fee         Management Fee        Management Fee
$0 to $250,000                   1.40%                1.35%                  1.65%                 1.30%
$250,001 to $500,000             1.30%                1.30%                  1.60%                 1.25%
$500,001 to $1,000,000           1.20%                1.20%                  1.45%                 1.20%
$1,000,0001 to $2,500,000        1.10%                1.15%                  1.35%                 1.15%
$2,500,001 to $5,000,000         1.00%                1.05%                  1.25%                 1.10%
Over $5,000,000                 Negotiable           Negotiable             Negotiable            Negotiable

* We charge 0.25% for management of cash and accommodation accounts.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when you have given our firm written authorization
permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an
account statement to you at least quarterly. These account statements will show all disbursements
from your account. You should review all statements for accuracy. We will also receive a duplicate
copy of your account statements.

Either party may terminate the portfolio management agreement upon 30-days' written notice to the
other party. You will incur a pro rata charge for services rendered prior to the termination of the
portfolio management agreement, which means you will incur advisory fees only in proportion to the
number of days in the quarter for which you are a client. If you have pre-paid advisory fees that we
have not yet earned, you will receive a prorated refund of those fees.

Where any of your assets are invested using a TPA, you will sign a separate agreement with the
TPA, The advisory fee you pay to the TPA is established and payable in accordance with the
disclosure brochure provided by each TPA to whom you are referred. These fees may or may not be
negotiable.

Financial Consulting Services
We charge an hourly fee of $150 for financial consulting services. The hourly fee is negotiable
depending on the scope and complexity of the services rendered. Our consulting fee is payable upon
completion of the agreed upon consulting services.

You may terminate the financial consulting agreement upon request. If you have pre-paid financial
consulting fees that we have not yet earned, you will receive a prorated refund of those fees. If
financial consulting fees are payable in arrears, you will be responsible for a prorated fee based on
services performed prior to termination of the financial consulting agreement.

Pension Consulting Services
Our advisory fees for these customized services will be negotiated with the plan sponsor or named
fiduciary on a case-by-case basis. You may terminate the pension consulting services agreement upon
 to our firm. You will incur a pro rata charge for services rendered prior to the termination of the
agreement, which means you will incur advisory fees only in proportion to the number of days in the
quarter for which you are a client. If you have pre-paid advisory fees that we have not yet earned, you
will receive a prorated refund of those fees.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You will also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not

share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
custodian. To fully understand the total cost you will incur, you should review all the fees charged by
mutual funds, exchange traded funds, our firm, and others. For information on our brokerage practices,
please refer to the "Brokerage Practices" section of this Brochure.

Compensation for the Sale of Securities or Other Investment Products
...

Item 7 Types of Clients
We offer investment advisory services to individuals, pension and profit sharing plans, trusts, estates,
charitable organizations, corporations, and other business entities.

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, we reserve the right to terminate your account if it falls below a minimum size which, in our
sole opinion, is too small to effectively manage.