ERN Financial LLC

Item 5: Fees and Compensation

Investment Advisory Services
Canopy's fee for our investment advisory/portfolio management services will be charged as a percentage
of assets under management with us, according to the following schedule:

Assets Under Management                                 Annual Fee Rate Range
$0 to $500,000                                          1.20 %
$500,001 to $1,500,000                                  0.80%
$1,500,001 to $3,000,000                                0.60%
$3,000,001 to $5,000,000                                0.50%
More than $5,000,000                                    0.40%

For clarity, the first $500,000 in AUM in an account will be charged 1.20%, and the AUM in an account
greater than $500,000 up to $1,500,000 will be charged .80%. Thus, an account with AUM of $1,200,000
will be charged 1.20% on $500,000 and .80% on the remaining $700,000 in the account.

The specific annual fee being charged to the client will be set forth and identified in an agreement between
Canopy and that client.

Generally, a minimum of $250,000.00 of assets under management with us is required for this service. This
account size may be negotiable under certain circumstances. At our discretion, we may group certain related
client accounts for the purposes of achieving the minimum account size and determining the annualized fee.

Although Canopy has established the above fee schedule, we may negotiate other fee schedules depending

          Part 2A of Form ADV: ERn Financial, LLC d/b/a Canopy Wealth Management Brochure

on the size of the account, type of account, the level of client service required and other factors we consider
relevant, including timing of client relationship.

Fees will be charged quarterly in advance based on the average daily market value of the client's account(s),
as determined by the custodian, during the last quarter. Cash and assets which are invested in shares of
mutual funds, exchange-traded funds, annuities we manage, individual securities, collective trusts, unit
investment trusts and/or closed-end funds shall be included in the calculation of the value of the client's
assets under management with us for purposes of computing our fee. A client's margin balance is typically
included when calculating assets under management with Canopy. This will be in addition to any margin
interest being paid by the client.

For partial quarters, fees are pro-rated. All unearned fees will be refunded to the client in the event the client
terminates our services. Unless other arrangements are made, fees are directly debited from a client's
account(s), and each client is required to provide the qualified custodian of the client's account(s) written
authorization to deduct the fees described.

The custodian sends the client a statement, at least quarterly, indicating the amount of our fees and all
amounts disbursed from the account to Canopy for our fees. The client is responsible for verifying the
accuracy of the fee calculation, as the custodian will not verify the calculation. Payment of fees may result
in the liquidation of client's securities if there is insufficient cash in the client's account(s).

Clients will not receive from Canopy an account statement or a fee invoice. Only the custodians' account
statement will be sent to clients; or where assets are not held by the custodian, Orion Financial Services
will notify client of the fee for those assets. Asset based fees are always subject to the management
agreement between the client and Canopy, and we generally retain the right to amend our fee schedule with
30 days prior written notice to the client.

Financial Planning Services (Non-Subscription)

Canopy may charge a fee for financial planning services. For clients who retain Canopy for its investment
advisory services, there may be a separate fee for Canopy's financial planning services. Others may retain
Canopy for only financial planning, and for those persons our financial planning fees are based on the nature
of the services being provided, who is providing the services and the complexity of the client's
circumstances. Financial planning fees are generally calculated and charged on a flat fee basis ranging from
a minimum of $1,000 to $25,000 per engagement.

If you terminate our financial planning services after we have begun the work but before completion, we
will charge you a termination fee equal to one-half of the agreed upon planning fee. Financial planning fees
and the termination fee are negotiable. Canopy may reduce or waive the financial planning fees and/or
termination fee in certain circumstances.

We provide you with an exact fee quote before you authorize us to begin our work. The specific financial
planning fee being charged to the client will be set forth and identified in an agreement between Canopy
and that client. Canopy, with the consent of client, will cause financial planning fees to be withdrawn from
client's bank account.

Although the length of time it will take to provide a financial plan depends on each client's personal
situation, we will provide a timing estimate at the start of the planning relationship. For those who will be
charged for financial planning, we will invoice the client for the financial planning services, and the fees
will generally be due and payable upon delivery of the completed financial plan to the client.

Canopy may recommend an update to a financial plan as needed and when objectives or financial situation
change. In that situation, the fee will be dependent on the nature of the update. Again, this fee will be set

          Part 2A of Form ADV: ERn Financial, LLC d/b/a Canopy Wealth Management Brochure

forth and identified in an agreement between us and the client.

In some circumstances, the financial plan may require the services of a specialist such as an insurance
specialist, attorney or tax accountant. (Canopy does not provide any legal, or accounting advice.) Canopy
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Item 7: Types of Clients

Canopy may offer its services to individuals, high net worth individuals, corporations and other business
entities, pension and profit sharing plans, endowments, foundations, charitable organizations, investment
advisors, estates and trusts.

As previously disclosed in Item 5 (Fees and Compensation), 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.