Envision Financial Transparency LLC

Item 5: Fees and Compensation
Individual Financial Consultations

As the services of Individual Financial Consultations depend on your requests and customized financial plan, the
fees vary. Fees may be charged as a fixed-fee or at an hourly rate, rates are based on the complexity of the work
being performed, the estimated amount of time involved, the value provided to you, and other relevant factors.
The fixed-fee range for this service is generally between $1,500 to $10,000 per plan. The typical hourly rate is
$300.00 per hour, and an average client may expect to pay for five hours. Fees will be provided in the Individual
Financial Consultation Agreement that is completed prior to the commencement of the engagement.

Asset Management Programs

In exchange for services provided by Financial Transparency and your personal investment advisory
representative, you agree to pay annually a set dollar amount or a set percentage of total assets held in the
accounts in the program.

Advisory Fees will be negotiated between you and your IAR. Further explanation regarding the services provided
and fees associated with the program are provided in the Investment Advisory Agreement that you sign before
participating in the program.

The fees charged to you by the Advisor and IAR, will not exceed these established percentages:

                                                                                      Program Minimum
                                            Maximum Annual Fee Percentage
                                                                                  Assets Under Management

    Let’s Get Started                             Not to Exceed 1.00%                        None

    Managed Investment Portfolios                 Not to Exceed 1.75%                       $25,000

    Customized Managed Accounts                   Not to Exceed 2.15%                      $150,000

    Pension Consulting Services                   Not to Exceed 1.50%                      $100,000*

*Pension Consulting Services - A total annual minimum fee of $1,500.00 is required. Financial Transparency will
work with startup plans that are likely to meet the minimum assets under management within a year of plan
establishment. The plan sponsor will decide whether the advisory fee will be paid by the sponsor or deducted
pro-rata from the plan participant’s account(s).

Advisory fees are collected from the account either monthly or quarterly, in arrears, and are based upon the
aggregate market value of the assets on the close of business on the last business day of the calendar month or
quarter. The Advisor reserves the right, in its sole discretion, to reduce or waive the advisory fee, or program
minimum assets under management, for certain clients, family member and friends of associated persons of the
firm.

Termination: The Investment Advisory Agreement may be canceled at any time, by either party, for any reason
upon receipt of a written notice. Terminations are at the account level, not client level, so one account
transferring out may be assessed a final invoice and will be prorated for the days managed during the quarter. If
transferring funds away from the engaged custodian, a temporary administrative hold may be placed on the
account until the final advisory fee has been assessed.

Advisory Fees in General: You should note that similar advisory services may, or may not, be available from other
registered investment advisors for similar or lower fees. You are not under any obligation to engage us for
services, when considering the implementation of any or all advisory recommendations. The implementation of
any or all recommendations is solely at your discretion.

All fees paid to the Advisor and IAR are separate and distinct from the fees and expenses charged by mutual
funds and/or ETFs to their shareholders. These fees and expenses, such as fund management fees (expense
ratio), 12b-1 fees, etc. are described in each fund’s prospectus. If the fund imposes a sales charge, you may pay
an initial or deferred sales charge. If you also have other holdings in the same mutual fund family, including

within other brokerage accounts, you should make your IAR aware so that we can assist you in determining
whether you may qualify for lower breakpoints.

IAR will work with Client to assist in determining the custodian(s) that fit(s) the Client’s investment situation
taking into account many factors such as: use of model portfolios, cost, frequency of trading, types of
investments likely to be held, investment balance, desired features/capabilities of the custodian.

Additional Fees and Expenses: In addition to our advisory fees, you are also responsible for the fees and expenses
charged by custodians and imposed by broker dealers, including, but not limited to, any transaction, custody
charges, and/or account fees.

Other Fee Information – Schwab Accounts
For accounts held through Charles Schwab Institutional accounts or Axos Clearing LLC, investors pay fees to the
custodian for their services, which include, but are not limited to, brokerage commissions and custody fees,
among other fees and expenses.

Minimum Cash Balance
For separate accounts held through Axos Clearing LLC, Financial Transparency will typically maintain 1% of the
account’s market value in Axos Clearing LLC’s cash product.

Annual Asset and Minimum Fees Per Account – Axos Clearing LLC Accounts
Axos Clearing LLC computes annual asset fees at the end of each quarter and assesses the computed fees each
April, July, October and January for the prior quarter. Fees are prorated based on the number of days in each
quarter and charged in arrears based on the average daily account balance during the quarter. Their current
annual asset fee on assets of $99,999 is 0.12%, above that amount through $499,999 is 0.10%, and assets at
$500,000 and above are charged 0.03% annually.
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Item 7: Types of Clients
Financial Transparency provides advisory services primarily to individuals, including through trusts, estates,
401(k) plans, and IRAs, high net worth individuals, corporate pension and profit-sharing plans, corporations or
other businesses, charitable institutions and foundations.