Copper Leaf Financial LLC

Item 5 - Fees and Compensation

Wealth Management Services Fees

All wealth management clients pay an on-boarding fee for the initial financial planning
work required to complete the basic financial plan. All clients are required to execute an
Investment Advisory Agreement. The on-boarding financial planning fee is determined at
the time of engagement and is generally between $2,500 - $10,000, depending on the
complexity of the client situation.

On-going wealth management services are provided on a fee-only basis and are based on a
percentage of assets that Copper Leaf Financial manages according to the schedule below:

        Total Assets Under Management                  Tiered Annual Fee
                 Up to $500,000                              1.25%
             $500,001 to $1,000,000                          0.70%
            $1,000,001 to $3,500,000                         0.55%
           $3,500,001 to $10,000,000                         0.33%
                $10,000,000 plus                             0.30%

There is a minimum fee of $1,250 per quarter. At no time will the annualized fees exceed
2%.

Copper Leaf may aggregate the value of related family members’ account balances for
billing purposes. All accounts for members of the client’s family (husband, wife and
dependent children) or related businesses may be assessed fees based on the total
household balance of all accounts.

In lieu of a fee based on a percentage of assets under management, Copper Leaf may charge
a flat retainer fee. This will be determined on a case-by-case basis, based on a formula
which fairly reflects an equivalent to our asset-based arrangement.

Copper Leaf has contracted with Focus Partners Advisor Solutions, LLC, (please see Item
10) for services including sub-advisory services, trade processing, collection of
management fees, record maintenance, report preparation, marketing assistance, and
research. Copper Leaf pays FPA services their services based on the total amount of
advisory fees paid to Copper Leaf on accounts which use FPA. These fees vary based on the
total client assets participating in Focus Partners Advisor Solutions, LLC through Copper
Leaf. These fees will not be separately charged to advisory clients.

The specific manner in which fees are charged by Copper Leaf is established in a client’s
written agreement with Copper Leaf. Clients will be charged in advance at the beginning of
each calendar quarter based upon the fixed fee described earlier. New clients are charged a
prorated fee for the remainder of the quarter in which the agreement is in place.

Copper Leaf will request authority from the client to receive quarterly payments directly
from the client's account held by an independent custodian. Clients provide written limited
authorization to Copper Leaf or its designated service provider, Focus Partners Advisor

Solutions, LLC, to withdraw fees from the account. Clients will receive custodial statements
showing the advisory fees debited from their account(s).

A client agreement can be canceled at any time, by either party, for any reason upon receipt
of 30-days written notice. Upon termination of any account, any prepaid, unearned fees
will be refunded within the thirty-day (30) notice period. The client has the right to
terminate an agreement without penalty within five business days after entering into the
agreement.

Copper Leaf’s fees are exclusive of brokerage commissions, transaction fees, and other
related costs and expenses which shall be incurred by the client. Clients may incur certain
charges imposed by custodians, brokers, third party investment and other third parties
such as fees charged by managers, custodial fees, odd-lot differentials, transfer taxes, wire
transfer and electronic fund fees, and other fees and taxes on brokerage accounts and
securities transactions. Mutual funds and exchange traded funds also charge internal
management fees, which are disclosed in a fund’s prospectus. These fees will generally
include a management fee and other fund expenses. All fees paid to Copper Leaf for
investment advisory services are separate and distinct from the fees and expenses charged
by mutual funds and ETFs to their shareholders.

Such charges, fees and commissions are exclusive of and in addition to Copper Leaf’s fee,
and Copper Leaf shall not receive any portion of these commissions, fees, and costs.

All fees are reviewed periodically and may be adjusted annually or as circumstances or
client conditions or requirements change.

Employee Benefit Retirement Plan Services:

Copper Leaf will serve as a non-discretionary 3(21) fiduciary advisor to retirement plan
sponsors. This can include recommending investment options to the plan sponsor,
monitoring investments and suggesting replacements when appropriate, providing
participant education, advising plan sponsor in the development of the IPS, and
implementation of plan documents with 3rd party vendors. Any 3rd party vendor fees such
as recordkeeping, custodian fees, TPA fees, payroll etc., will not be included in the below
fees.

Retirement Plan Advice/ initial plan set up: Initial retirement plan set-up fee is $2,000,
which includes up to 10 eligible employees. Thereafter, it is an additional fee of $25 per
eligible employee for 11 or more employees.

Copper Leaf charges an annual tiered fee for on-going 3(21) retirement plan advisory
services based on assets within the plan. Minimum on-going annual retirement plan
advisory fee, $2,400.

Copper Leaf may charge for additional services, such as enrollment or education meetings,
on an a la carte basis, based on an hourly rate of no less than $250. For those plan sponsors
who also seek discretionary 3(38) investment management and fiduciary oversight, Copper
Leaf uses the services of Focus Partners Retirement Solutions. Focus Partners Retirement
Solutions’ annual fee for this service is charged as a percentage of assets within the plan
and are listed below.
...

Item 7 - Types of Clients

Copper Leaf provides services to individuals, including high net worth individuals, trusts,
charitable organizations, and businesses.

Most of Copper Leaf’s clients are well-educated professionals, executives, and established
business owners and their families. Clients tend to be mid or late-career professionals,
business owners, or senior management executives preparing for retirement, the sale or
transition of a business, or a life changing inheritance, buy-out or financial event.

Copper Leaf generally requires a minimum account size of $500,000.00. Minimum account
sizes may be negotiable under certain circumstances.