Echo Wealth Management LLC

Item 5 - Fees and Compensation

                 INVESTMENT MANAGEMENT SERVICES FEES

In certain circumstances, all fees, account minimums and their applications to family
or other circumstances may be negotiable. Individual accounts for immediate family
members (such as husband, wife and dependent children) are aggregated, and the
fee is charged based on the total value of all family members’ accounts.

The specific manner in which fees are charged by EWM is established in a client’s
written Investment Management Agreement with EWM. Investment Management
fees are billed in advance at the beginning of each calendar quarter based upon the
value (market value based on independent third party sources or fair market value
in the absence of market value; client account balances on which EWM calculates
fees may vary from account custodial statements based on independent valuations
and other accounting variances, including mechanisms for including accrued interest
in account statements) of the client’s account as of the last business day of the
previous quarter, with deposits and withdrawals adjusted pro-rata. New accounts
are charged a prorated fee for the remainder of the quarter in which the account is
incepted and will not be billed until the next quarter.

Fees will be automatically deducted from your managed account according to the
authorization in the Investment Management Agreement unless the Client has made
arrangements to pay by check. Fees for held away accounts (e.g., 401(k), 403(b),
529 plans and Roth IRAs using Pontera’s platform will be deducted from a Household
taxable/non-retirement account.

The annual fee for investment management services will be charged as a
percentage of assets under management, according to the schedule below:

      Total Assets under Management                          Maximum Annual Fee*
      $0 - $1,000,000 .................................................... 1.00%
      Next $2,000,000 ................................................... 0.80%
      Next $7,000,000 ................................................... 0.60%
      Next $5,000,000 ................................................... 0.40%
      $15,000,001 plus................................................... 0.25%

*The fee schedule is a blended schedule whereas when the assets under management
reaches the threshold, the assets above the threshold are charged the lower
percentage.

We charge only against those assets we consider to be managed.

For retirees, EWM typically requires a minimum account size or client relationship of
$1,000,000 for investment management services. Client household where the total
balance of all accounts is less than $1,000,000 will be accepted only on a case-by-
case basis based on certain criteria (for example, future earning capacity, anticipated
future additional assets, related accounts, family relationships and pro bono work).

EWM may negotiate, waive or reduce advisory fees and/or minimums for certain
clients, such as charitable organizations or employees and members of their families.
The client’s Investment Management Agreement will outline the agreed upon fee.

                          PENSION CONSULTING FEES

Our fees for Pension Consulting Services are based on a percentage of assets under
advisement. The annual fee percentage ranges from 0.25% to 0.75% based on plan
asset balances.

Fees are billed quarterly (or monthly based on the written agreement) in advance
based upon the market value of the Plan assets on the last business day of the
previous quarter and will be due the following business day. The initial fee will
include both the quarterly in advance fee due for the initial Fee Period and an amount
prorated for the number of days occurring from the effective date of the agreement
to the end of the calendar quarter in which that effective date occurred. Thereafter,
the fee will be based upon the market value of the Plan assets on the last business
day of the previous fee period (without adjustment for anticipated withdrawals by
Plan participants or other anticipated or scheduled transfers or distributions of
assets) and will be due the following business day. Clients can elect to be billed
directly or have their fees deducted directly from the Plan assets. For purposes of
determining and calculating Fees, Plan assets are based on Included Assets.

If the agreement is terminated prior to the end of a fee period, EWM shall be entitled
to a fee, prorated for the number of days in the fee period prior to the effective date
of termination. Any prepaid, unearned fees will be refunded within fourteen (14)
days to the client via check or return deposit back into the client’s account.

                          FINANCIAL PLANNING FEES

Our Financial Planning fees are calculated and charged on a fixed flat fee basis,
typically ranging from $2,500 to $6,000 depending on the nature of the services to
be provided and complexity of the client’s circumstances. All fees are agreed upon
prior to entering into a contract with any client.

We request a 100% fixed flat fee upon entering into the agreement. However, we
will make an exception for younger clients (i.e., those clients who are in their 20s
and 30s). Those clients may pay an initial set-up fee with the balance due to be
paid on a monthly basis. Advance payment will never exceed $1,200 for work that
will not be completed within six months.

If the agreement is terminated prior to completing the financial plan, Echo Wealth
Management, LLC shall be entitled to a fee based upon the percentage of work that
has been completed. Any prepaid, unearned fees are refunded with a check mailed
to the client within fourteen (14) days of terminating the agreement.

General Information

Limited Negotiability of Advisory Fees: Although Echo Wealth Management, LLC
has established the aforementioned fee schedule(s), we retain the discretion to
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Item 7 - Types of Clients

EWM provides advisory services to individuals, trusts, estates, high net worth
individuals, pension and profit-sharing plans, charitable organizations and
businesses.

As previously disclosed in Item 5, our firm has established certain initial minimum
account requirements, based on the nature of the service(s) being provided. For a
more detailed understanding of those requirements, please review the disclosures
provided in each applicable service.