Destiny Family Office

Item 5          Fees and Compensation
  A.
                                    DESTINY FAMILY OFFICE WRAP FEE PROGRAM

  1) If a client determines to engage Registrant to provide investment management services on a wrap fee
     basis in accordance with Registrant’s Program, the services offered under, and the corresponding
     terms and conditions pertaining to, the Program are discussed in the Wrap Fee Program Brochure, a
     copy of which is presented to all prospective Program participants. Under the Program, Registrant is
     able to offer participants discretionary investment management services, for a single specified annual
     Program fee, inclusive of trade execution, custody, reporting, and investment management fees. The
     wealth management fee is based on all investment assets (including cash and cash equivalents)
     regardless of where held, including investment assets held within insurance products, non-qualified
     and qualified plans, trusts and other entities or vehicles. Please see Wrap Fee Brochure for the Wrap

Fee Program Fee Schedule. Please note that, in certain instances, a wrap fee negotiable up to 1.45%
may be negotiated with the client. This may depend upon the amount and type of program assets.
Please Note: Your account custodian, (GSCS or Schwab), stopped charging transaction fees for the
majority of individual equities (i.e., common stocks and ETFs). As the result of the custodian
decisions, total transaction fees paid by Registrant under the Registrant’s wrap program decreased.
Other custodial and transaction charges remain applicable to your account and are covered as part of
the wrap fee. Registrant did not alter its advisory fee schedule as result of this change.

The Firm’s policy is to not charge for intra-quarter additions or withdrawals-unless indicated to the
contrary on the Firm’s Investment Advisory Agreement executed by the client.

Please Note: Conflict of Interest. Registrant shall generally compensate its representatives based upon
the revenues derived from accounts that they service. The representative generally maintains the
authority to determine/negotiate the percentage advisory fee. Thus, a conflict of interest is presented
because the higher the advisory fee, the greater the representative’s (and Registrant’s) compensation.

           Destiny Family Office Investment Advisory Services Fee Schedule

                            Standard DFO Discretionary Wrap Fee

                 Assets Under Management                                    Annual % Fee
 Up to and including $5,000,000                                                  1%
 In excess of $5,000,000 and including $10,000,000                             0.85%
 In excess of $10,000,000 and including $20,000,000                            0.65%
 In excess of $20,000,000 and including $50,000,000                            0.45%
 In excess of $50,000,000 and including $75,000,000                            0.35%
 In excess of $75,000,000 and including $100,000,000                           0.3%
 In excess of $100,000,000                                                     0.25%

In certain instances, the Registrant may also negotiate an annual flat fee payment, which is also offered
on a wrap fee basis where the Registrant charges quarterly specified program, fee inclusive of trade
execution, custody, reporting, and investment management fees. The flat fee amount is negotiated
between Registrant and the client.

If the Registrant elects to utilize separate account managers in a client’s portfolio, the client’s
combined fee for Registrant’s management services and the fees charges by any third-party manager
shall not exceed 2.5% of the client’s assets under management.

Fee Dispersion: The Registrant’s investment advisory fee is negotiable at Registrant’s discretion,
depending upon objective and subjective factors including but not limited to: the amount of assets to
be managed; portfolio composition; the scope and complexity of the engagement; the anticipated
number of meetings and servicing needs; related accounts; future earning capacity; anticipated future
additional assets; the professional(s) rendering the service(s); prior relationships with the Registrant
and/or its representatives, and negotiations with the client. Certain legacy clients may have accepted
different pre-existing service offerings from Registrant and may therefore receive services under
different fee schedules than as set forth above. As a result of these factors, similarly situated clients
could pay different fees, the services to be provided by the Registrant to any particular client could
be available from other advisers at lower fees, and certain clients may have fees different than those
specifically set forth above. The Registrant’s Chief Compliance Officer, Thomas H. Ruggie,

    remains available to address any questions that a client or prospective client may have
    regarding the above fee determination.

                                         NON-WRAP FEE BASIS

    The client can determine to engage Registrant to provide discretionary and/or non-discretionary
    investment advisory services to individual clients, or retirement plans on a fee basis. Registrant’s
    annual investment advisory fee shall be based upon a percentage (%) of the market value and type of
    assets placed under Registrant’s management or under advisement. Registrant’s annual investment
    advisory fee shall be based upon various objective and subjective factors, including, but not limited
    to, the amount of the assets placed under Registrant’s direct management, the complexity of the
    engagement, and the level and scope of the overall investment advisory services to be rendered. Other
    significant determinants are retirement plan size and scope of services to be provided. (See also Fee
    Differential discussion above.) Before engaging Registrant to provide investment advisory services,
...

Item 7         Types of Clients

      Account Minimums
      The Registrant does not require an annual minimum fee level. The minimum account size is generally
      $10,000,000, but the Registrant may accept client relationships of $5,000,000 or less, if the client is
      determined to fit the family office service model. Registrant, in its sole discretion, may reduce or
      waive its investment advisory fee or account minimums based upon certain criteria (i.e. anticipated
      future earning capacity, anticipated future additional assets, familial relationship, dollar amount of
      assets to be managed, related accounts, account composition, negotiations with the client, etc.).

      The Registrant’s clients generally include wealth management clients, retirement plans, and DFO
      program participants. The Registrant does not generally require an annual minimum fee or asset level
      for investment services. Registrant, in its sole discretion, may reduce or waive its investment advisory
      fee or account minimums based upon certain criteria (i.e. anticipated future earning capacity,
      anticipated future additional assets, familial relationship, dollar amount of assets to be managed,
      related accounts, account composition, negotiations with the client, etc.). The Registrant, in its sole
      discretion, may charge a lesser investment management fee 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, 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: Registrant’s Chief Compliance Officer, Thomas H. Ruggie, remains available to
     address any questions that a client or prospective client may have regarding advisory fees.