Curio Wealth LLC

Item 5      Fees and Compensation

         Description
         Curio Wealth is strictly a fee-only financial planning and investment management
         firm. The firm does not receive commissions for purchasing or selling annuities,
         insurance, stocks, bonds, mutual funds, limited partnerships, or other
         commissioned products. The firm is not affiliated with entities that sell financial
         products or securities. No commissions in any form are accepted. No finder’s fees
         are accepted.

         Curio Wealth bases its fees on a percentage of assets under management, hourly
         charges, and fixed fees (and does not charge any subscription fees).

         The annual Advisory Service Agreement fee is based on a percentage of the
         assets under management according to the following schedule. This annual fee
         shall be paid quarterly, in advance, which is based upon the market value of the
         assets under management on the last business day of the previous quarter.

                      1.00% on the first $2,000,000;
                       .75% on the next $2,000,000 (from $2,000,001 to 4,000,000); and
                       .40% on the assets above $4,000,000.

         The Advisory Service Agreement fee is generally negotiable. As a result, similarly
         situated clients could pay different fees, the services to be provided by Curio could
         be available from other advisers at lower fees, and certain clients may have fees
         different from those specifically set forth above. Curio will not adjust its fee for
         client deposits, withdrawals, and/or transfers in and out of a client’s account during
         a fee period. Fees will be prorated at the start or end of a client relationship that
         begins or ends mid-quarter.
         Financial plans are priced according to the degree of complexity associated with
         the client’s situation. The fee for a financial plan is predicated upon the facts known
         at the start of the engagement. The fee range, generally, is from $1,000 to $10,000
         and is negotiable. Since financial planning is a discovery process, situations occur
         wherein the client is unaware of certain financial exposures or predicaments.
         In the event that the client’s situation is substantially different than disclosed at the
         initial meeting, a revised fee will be provided for mutual agreement. The client
         must approve the change of scope in advance of the additional work being
         performed when a fee increase is necessary.
         After delivery of a financial plan, future face-to-face meetings may be scheduled
         as necessary for up to one month. Follow-on implementation work is billed
         separately at the rate of $350 per hour.

                                           Curio Wealth

Tax preparation services are priced according to the degree of complexity
associated with the client’s situation. The fee range, generally, is from $500 to
$3,000 and is negotiable.
The market value of the assets on which the fee is based will generally not be
reduced by the amount of any margin debit balances held by a client, even if some
or all of the assets in the client’s account are used to collateralize or secure the
loan represented by the margin balances. Curio has a financial incentive for a client
to incur margin debt to finance purchases rather than selling securities and
withdrawing the cash because the net market value of the client’s account will be
maintained (and will not be offset by the amount of the margin debit held by the
client) resulting in a higher fee. Clients are solely responsible for determining
whether to incur margin debts. Curio does not recommend that clients incur margin
debit balances for investment purposes.
The advisory fee will be pro-rated, and paid quarterly, in advance, based upon the
market value of the assets on the last day of the previous quarter. Unless Curio
agrees otherwise, in writing, Curio shall debit the account directly for its advisory
fee. In the event of termination, Curio shall refund any unearned portion of the
advanced fee paid based upon the number of days remaining in the billing quarter.
Fee Dispersion. Curio, in its discretion, may charge a lesser investment advisory
fee, charge a flat fee, waive its fee entirely, or charge fee on a different interval,
based upon certain criteria (i.e. anticipated future earning capacity, anticipated
future additional assets, dollar amount of assets to be managed, related accounts,
account composition, complexity of the engagement, anticipated services to be
rendered, grandfathered fee schedules, employees and family members, courtesy
accounts, competition, negotiations with client, etc.). Please Note: As result of the
above, similarly situated clients could pay different fees. In addition, similar
advisory services may be available from other investment advisers for similar or
lower fees. ANY QUESTIONS: Curio’s Chief Compliance Officer, Lyn Dippel,
remains available to address any questions that a client or prospective client may
have regarding advisory fees.
Custodian Charges-Additional Fees. As discussed below at Item 12 below,
when requested to recommend a broker-dealer/custodian for client accounts,
Curio generally recommends that Schwab or Fidelity serve as the broker-
dealer/custodian for client investment management assets. The specific broker-
dealer/custodian recommended could depend upon the scope and nature of the
services required by the client. Broker-dealers such as Schwab and Fidelity charge
brokerage commissions, transaction, and/or other type fees for effecting certain
types of securities transactions (i.e., including transaction fees for certain mutual
funds, and mark-ups and mark-downs charged for fixed income transactions, etc.).
The types of securities for which transaction fees, commissions, and/or other type
...

Item 7      Types of Clients

         Description
         Curio Wealth generally provides investment advice to individuals, pension and
         profit-sharing plans, trusts, estates, or charitable organizations, corporations or
         business entities. Client relationships vary in scope and length of service.
         Curio has an annual minimum fee requirement of $4,000, but does not have a
         minimum asset requirement in order to engage its services. Please Also Note: In
         the event that the client is subject to an annual minimum fee, the client could pay
         a higher percentage fee than referenced above. Curio, in its discretion, may charge
         a flat fee, waive its fee entirely, or charge fee on a different interval, based upon
         certain criteria (i.e. anticipated future earning capacity, anticipated future additional
         assets, dollar amount of assets to be managed, related accounts, account
         composition, complexity of the engagement, anticipated services to be rendered,

                                           Curio Wealth

         grandfathered fee schedules, employees and family members, courtesy accounts,
         competition, negotiations with client, etc.). Please Note: As result of the above,
         similarly situated clients could pay different fees. In addition, similar advisory
         services may be available from other investment advisers for similar or lower
         fees.