Echelon Group Inc

ITEM 5 - FEES AND COMPENSATION
In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and
each service’s fees and compensation arrangement. The Client and Echelon Group Inc.’s Investment Advisory
Agreement will outline and agree upon the exact costs and other terms related to the Client’s Accounts.

SERVICE FEES

INVESTMENT ADVISORY SERVICES FEE

Our Firm offers investment management services for an annual fee based on the amount of assets under
management on a blended tiered fee schedule which is calculated as follows:
                     Assets Under Management                        Annual Advisory Fee

                            First $250,000                                 1.25%
                            Next $250,000                                  1.00%

                           Next $1,000,000                                 0.70%

                           Next 3,000,000                                  0.50%
                          Above $5,000,000                                 0.15%

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The advisory fee is a blended fee and is calculated by assessing the percentage rates using the predefined levels
of assets as shown in the above chart and applying the fee to the account value as of the last day of the previous
quarter, resulting in a combined weighted fee.
For example, an account valued at $2,000,000 would pay an effective fee of 0.76% which would be calculated
as follows:
    •   $250,000 x 1.25% = $3,125
    •   $250,000 x 1.00% = $2,500
    •   $1,000,000,000 x 0.70% = $7,000
    •   $500,000 x 0.50% = $2,500
        TOTAL ANNUAL FEE = $15,125
        QUARTERLY FEE = $15,125 / 4 = $3,781.25
Our annual fee is reasonable in relation to (1) the services provided and (2) the fees charged by other investment
advisers offering similar services/programs.
Our annual fee is prorated and charged quarterly in advance, based on the average daily balance of the account.
Cash and cash equivalents, including money market funds, are subject to your advisory fee. Clients should
understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash
equivalents, or money market funds, especially in low-interest rate environments.
Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client.
The investment advisory fees will be deducted from your account and paid directly to our Firm by the qualified
Custodian(s) of your account. The Client will authorize your account's qualified Custodian(s) to deduct fees from
the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be
shown on the monthly or quarterly statements provided by the Custodian. You should review your account
statements received from the qualified Custodian(s) and verify that appropriate investment advisory fees are
being deducted. The qualified Custodian(s) will not verify the accuracy of the investment advisory fees deducted.
We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. The investment
management agreement will outline the fee charged to a Client and any breakpoints based on the level of assets
managed. The fees are subject to change with prior written notice to the Client.
Our annual investment advisory fee may be higher than that of other investment advisers that offer similar
services and programs. In addition to our compensation, you may incur charges imposed at the mutual fund
level (e.g., advisory fees and other fund expenses).
Accounts initiated or terminated during a calendar quarterly will be charged a prorated fee based on the days
the Client account was open during that quarter. Any prepaid, unearned fees will be refunded upon termination
of any account.

         LEGACY MANAGEMENT FEE

         Managed legacy positions are included within our Firm’s standard investment management fee and are
         outlined in the executed investment management agreement.

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FINANCIAL PLANNING FEES

Our Firm provides financial planning services under a fixed fee arrangement. This arrangement charges a
mutually agreed-upon fee for financial planning services.
There is a range in the amount of the fixed fee charged by our Firm for financial planning services. The maximum
fixed fee is $5,000.
Fees charged for our financial planning services are negotiable based upon the type of Client, the services
requested, the investment adviser representative providing advice, the complexity of the Client's situation, the
composition of the Client's account, other advisory services provided, and the relationship of the Client and the
investment adviser representative.
The amount of the fee for your engagement is specified in your financial planning agreement with us. At our
sole discretion, the Client may be required to pay the fee at the time the agreement is executed with our Firm;
however, our Firm does not require or solicit prepayment of more than $1,200 in fees per Client, six months or
more in advance. The fee is considered earned upon delivery of the financial plan, and any unpaid amount is
immediately due.
The Client may pay the fees owed for the financial planning services by submitting payment directly via check.
If the Client elects to pay by automatic deduction from an existing investment account, they will provide written
authorization to our Firm for such a charge.
If the Client terminates the financial planning services after entering into an agreement with our Firm, the Client
will be invoiced and responsible for immediate payment of any hourly financial planning services performed by
us before receiving notice of termination. For financial planning services, our Firm performs under a fixed fee
...

ITEM 7 - TYPES OF CLIENTS
Our Firm provides investment management, investment advice, financial planning, consulting and advisement,
and third-party portfolio management to individuals, high-net-worth individuals, families, estates, trusts,
partnerships, retirement plans, corporations, charitable foundations, investment companies.
Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client
arrangement with us.