Financial Innovations LLC

Item 5       Fees and Compensation
Portfolio Management Services
You will pay a monthly or quarterly account fee, in advance, based upon the market value of the
assets held in your account as of the last business day of the preceding billing period. Your
account fees are negotiable, depending on individual client circumstances. You may terminate
the portfolio management agreement upon 30-days' written notice to our firm. If you terminate
your participation in this program, you will be entitled to a pro-rata refund of any prepaid fees
based upon the number of days remaining in the billing period after the date upon which the notice
of termination is received.

Our fee for portfolio management is set forth in the following fee schedule:

 Assets Under Management          Annual Fee*
 $0 - $500,000                    1.50%
 $500,001 - $5,000,000            1.00%
 Over $5,000,000                  0.80%

This is a breakpoint fee schedule, meaning that the entire account is charged the lowest fee tier
obtained. Arrangements with existing clients may be subject to a different fee schedule. *Our
VISION2020 Wealth Management Platform – Advisor Managed Portfolios Program has an annual
fee of $35 for retirement accounts, and an annual inactive account fee of $50 for non-retirement
accounts, based on trading activity.

We will either:

   1) send you an invoice for the payment of our advisory fee, or

   2) deduct our fee directly from your account through the qualified custodian holding your
      funds and securities. We will deduct our advisory fee only when you have given our firm
      written authorization permitting the fees to be paid directly from your account. Further, the
      qualified custodian will deliver an account statement to you at least quarterly. You should
      review custodial statements for accuracy. We will also receive a duplicate copy of this
      statement from your custodian.

At our discretion, we may combine the account values of family members living in the same
household to determine the applicable advisory fee. For example, we may combine account
values for you and your minor children, joint accounts with your spouse, and other types of related
accounts. Combining account values may increase the asset total, which may result in your
paying a reduced advisory fee based on the available breakpoints in our fee schedule stated
above.
Mutual funds and ETFs invested in the account have their own internal fees (“Fund Fees”) which
are separate and distinct from the program account fees (for more information on these fees, see
the applicable fund prospectus).

Some Fund Fees include 12b-1 fees which are internal distribution fees assessed by the Fund,
all or a portion of which are paid to the distributor(s) of the Funds. The Firm and your Advisory
Representative do not retain 12b-1 fees paid by the Funds.

In certain instances, there is opportunity to be eligible to purchase certain mutual funds and ETFs
without incurring transaction charges subject to certain conditions. For details, please refer to Item
4 (No Transaction Fee Programs) of the VISION2020 Wealth Management Platform Advisor
Managed Portfolios Wrap Fee Program Brochure.

For complete fee details, including account fee schedule guidelines and a list of transaction
charges, please see the VISION2020 Wealth Management Platform Advisor Managed Portfolios
Wrap Fee Program Brochure.

Please note that you may be assessed a termination fee of $125 for retirement accounts and
$150 for non-retirement accounts for outgoing transfers.

Financial Planning Fees
Our fees for financial planning services are either fixed or hourly based.

Fixed Fees:
We may charge a fixed fee for our financial planning services. Our fixed fee ranges from $1,000
to $20,000 on an annual basis, depending upon the level and scope of the services required. The
fixed-fees will be based on the complexity of the service that is anticipated to be necessary for
the particular client. Generally, full payment of the fixed fees is due and payable upon delivery of
the financial plan. In special circumstances, and at our sole discretion, we may agree to other fee-
paying arrangements. Such arrangements will be agreed to in advance of services rendered and
will be clearly set forth in the executed agreement for services.

Hourly Fees:
We may charge an hourly fee for our financial planning services. Our maximum rate is up to
$750/hour to include increments of fifteen (15) minutes. Our fees are negotiable depending upon
the level and scope of the services required. Generally, full payment of hourly fees is due and
payable upon delivery of the financial plan. In special circumstances, and at our sole discretion,
we may agree to other fee-paying arrangements. Such arrangements will be agreed to in advance
of services rendered and will be clearly set forth in the executed agreement for services.

Depending upon the services selected you may have additional fees and expenses.

Compensation for the Sale of Securities or Other Investment Products
Associated Persons providing investment advice on behalf of Financial Innovations, LLC are also

registered representatives (“Dually Registered Persons”) with Osaic Wealth, Inc. ("Osaic"), a
securities broker-dealer, and a member of the Financial Industry Regulatory Authority and the
Securities Investor Protection Corporation. In their capacity as a registered representative, they
will receive commission-based compensation in connection with the purchase and sale of
securities, including 12b-1 fees for the sale of investment company products. Commission-based
compensation earned by these Dually Registered Persons in their capacity as a registered
representative of Osaic is separate and in addition to Financial Innovations, LLC's advisory fees.
This practice presents a conflict of interest because persons providing investment advice on
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Item 7       Types of Clients
We offer investment advisory services to individuals, pension and profit-sharing plans, trusts,
estates, charitable organizations, corporations and other business entities.

In general, we require a minimum of $500,000 to open and maintain an advisory account. At our
discretion, we may waive this minimum account size. For example, we may waive the minimum
if you appear to have significant potential for increasing your assets under our management. We
may also combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts to meet the stated minimum.