Conceptual Financial Advisors LLC

Fees and Compensation

 Portfolio Management Fees

                      Total Assets Under Management             Annual Fees
                      First $499,999                            1.50%

                      Next $500,000 - $999,999                  0.75%

                      $1,000,000 - AND UP                       0.50%

 The advisory fee is calculated using the value of the assets in the Account on the last business day of
 the prior billing period.

 These fees are generally negotiable, and the final fee schedule will be memorialized in the client’s
 advisory agreement. Clients may terminate the agreement without penalty for a full refund of CFA's
 fees within five business days of signing the Investment Advisory Contract. Thereafter, clients may
 terminate the Investment Advisory Contract immediately upon written notice.

 Selection of Other Advisers Fees

 CFA will be compensated via a fee share from the advisers to which it directs those clients. This
 relationship will be memorialized in each contract between CFA and each third-party adviser. The fees
 shared will not exceed any limit imposed by any regulatory agency.

 CFA may direct clients to AssetMark. The annual fee schedule is as follows:

                  Total Assets Under
                                            CFA’s Fee                Third Party’s Fee        Total Fee
                  Management
                  All Assets                Up to 1.00%              Between 0.35 and 1.10%     Up to
                                                                                                2.10%

 These fees are negotiable.

Pension Consulting Services Fees

Asset-Based Fees for Pension Consulting

                      Total Assets Under Management            Annual Fee
                      $0 - $999,999                            0.80%

                      $1,000,000 - $1,999,999                  0.65%

                      $2,000,000 - AND UP                      0.50%

The advisory fee is calculated using the value of the assets on the last business day of the prior billing
period.

These fees are generally negotiable, and the final fee schedule will be memorialized in the client’s advisory
agreement.

Clients may terminate the agreement without penalty for a full refund of CFA's fees within five
business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the
pension consulting agreement immediately upon written notice. CFA bills based on the balance on
the first day of the billing period.

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $500 and $7,500.

Hourly Fees

The negotiated hourly fee for these services is between $200 and $300.

MyFirstFinancialPlanner.com

Fees for MyFirstFinancialPlanner Services are charged at a flat rate of $500. The fee is due at the time of
contract signing. The client can also request an annual update for $350 per year.

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

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts with client's
written authorization on a quarterly basis. Fees are paid in advance.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are withdrawn directly from the client's accounts with client's
written authorization on a quarterly basis. Fees are paid in advance.

Payment of Selection of Other Advisers Fees

Fees for selection of AssetMark as third-party adviser are withdrawn directly from the client's
accounts with client's written authorization. Fees are paid quarterly in arrears.

Payment of Financial Planning Fees and MyFirstFinancialPlan.com Fees

Financial planning fees are paid via check.

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.

Clients are responsible for the payment of all third-party fees (i.e. custodian fees, brokerage fees,
mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and
expenses charged by CFA. Please see Item 12 of this brochure regarding broker-dealer/custodian.

CFP collects fees in advance and in arrears depending on the specific service.

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 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.

Chad Lee Nehring and representatives of CFA are also licensed as insurance agents. From time to time, they
will offer clients advice or products from those activities. Clients should be aware that these services pay a
commission and involve a possible conflict of interest, as commissionable products can conflict with the
fiduciary duties of a registered investment adviser. CFA always acts in the best interest of the client; including
the sale of commissionable products to advisory clients. Clients are in no way required to implement the plan
...

Types of Clients

   CFA generally provides advisory services to Individuals, High-Net-Worth Individuals, Pension and
   Profit Sharing Plans and Charitable Organizations. There is no account minimum for any of CFA’s
   services.

Form ADV, Part 2A, Item 8

             Methods of Analysis, Investment Strategies, and Risk of Loss