Cross Border Financial Planning USA LLC

Item 5 Fees and Compensation
Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account and
is set forth in the following annual fee schedule:

                                    Standard Annual Fee Schedule

  Assets Under Management (USD)                         Percent Fee (%)           Fee Structure
  $0 - $500,000                                         1.25                      Flat
  $500,001 - $1,000,000                                 1.00                      Flat
  $1,000,001 - $2,000,000                               0.95                      Flat
  $2,000,001 - $3,000,000                               0.90                      Flat
  $3,000,001 - $5,000,000                               0.80                      Flat
  $5,000,001 - $10,000,000                              0.70                      Flat
  $10,000,001 and above                                 0.60                      Flat

Fees for portfolios will be assessed using a Flat Fee structure, which means the fee associated with
the value of the assets as outlined in the chart above will be charged on the total value of the assets in
the account. For example, if your account is valued at $5,000,000 at the end of Q1, your fee will be .
8% of the total value, $10,000 for that quarter. If your account is valued at $10,000,001 at the end of
Q1, your fee will be .6% of the total value, $15,000 for that quarter.

Our annual portfolio management fee is billed and payable, quarterly in arrears, based on the balance
at the end of the billing period.

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.

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.
If you find any inconsistent information in the statement(s) you receive from the qualified custodian, call
our main office number located on the cover page of this brochure.

You may terminate the portfolio management agreement upon 30 days written notice. 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.

If you have not received a copy of the brochure documents at least 48 hours prior to signing an
agreement, you may terminate the agreement within five (5) business days of signing the agreement,
without penalty.

Financial Planning Services
For clients with assets under management of $500,000 and above, this service is included as part of
the standard advisory fee. For clients with assets under management under $500,000, clients shall
enter into a separate financial planning agreement.

We charge an annual fee for financial planning services; clients will pay $3,000 upon completion of the
financial plan. After the first year of service, the client will billed $250 a month, billed in advance. The
fee is negotiable depending upon the complexity and scope of the plan, your financial situation, and
your objectives. We will not require prepayment of a fee more than six months in advance and in
excess of $1,200.

You may terminate the financial planning agreement upon 30 days written notice. You will incur a pro
rata charge for services rendered prior to the termination of the financial planning agreement, which
means you will incur fees only in proportion to the number of days in the quarter for which you are a
client.

Digital Estate Planning Services
For clients with assets under management of $1,000,000 and above, access to our digital estate
planning solution is included. For clients with assets under management of less than $1,000,000, we
charge $300 to be paid in advance for will based estate plans, and $600 to be paid in advance for trust
based estate plans.

Wrap Fee Program
If you participate in a wrap fee program, as discussed under the Advisory Business section of this
brochure, the above fee table does not apply. All fee schedules concerning our wrap program are
disclosed under our separate Wrap Fee Program Brochure explaining the program and costs
associated with the program.

Selection of Other Advisers
Advisory fees charged by TPMMs are separate and apart from our advisory fees. Assets managed by
TPMMs will be included in calculating our advisory fee, which is based on the fee schedule set forth in
the Portfolio Management Services section in this brochure. Advisory fees that you pay to the TPMM
are established and payable in accordance with the brochure provided by each TPMM to whom you
are referred. These fees may or may not be negotiable. You should review the recommended TPMM's
...

Item 7 Types of Clients
We offer investment advisory services to individuals, including high net worth individuals.

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

We may also combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts to meet the stated minimum.