Financial Life Advisors LLC

Item 5‐Fees and Compensation
 A. Depending upon the engagement, we offer our services on a fee basis which
    may include, a percentage of the assets managed, hourly and/or fixed fees.

    FLA provides in a broad range of comprehensive planning and consulting
    services. For these services, we charge a fixed fee and/or hourly fee. Depending
    upon the complexity and length of the engagement, our personal planning and
    consulting fees usually range from $2,000 to $10,000. These services are also
    available on an hourly basis at the rate of $100 to $400 depending upon the level
    and scope of the services and the professional rendering the financial planning
    and/or the consulting services.

    Compensation for FLA’s investment advisory services will be in accordance with
    one of our Investment Management Agreements (IMA) that each Client enters
    into at the beginning of our professional relationship. The IMA may be amended
    from time to time upon written notice to our Clients.

    FLA maintains several investment management models and fee schedules in
    order to meet clients’ needs.

    Model 1 (Includes financial planning services & portfolio customization not
    included in Model 2)

                        FINANCIAL LIFE ADVISORS
                            FORM ADV PART 2A

Fees for this model are generally billed monthly in arrears and are based on the
total value of the assets under management at the end of the billing period. The
fee will be equal to the agreed upon rate per annum (again, as set-forth in the
IMA entered into each Client), times the market value of the account, divided by
(12) monthly billing or (4) for quarterly billing. The market value will be construed
to equal the sum of the values of all assets in the account as provided by the
account(s) custodian(s), not adjusted by any margin debit. Any other securities or
investments in the portfolio shall be valued in a manner determined in good faith
to reflect fair market value. Any such valuation should not be considered a
guarantee of any kind whatsoever with respect to the value of the assets in the
portfolio.

Fees for partial months (due to commencement or termination of the advisory
relationship) will be billed or refunded on a pro-rated basis contingent on the
number of days the account was open during the month. Further, deposits or
withdrawals in excess of $100,000 per transaction will be pro-rated based on the
number of days the funds were in the account for that period.

                     MODEL 1 ANNUAL FEE SCHEDULE
       1.15% for up to $1,000,000 of assets under management
       0.75% for the next $1,000,000 of assets under management
       0.65% for the next $1,000,000 of assets under management
       0.55% for the next $2,000,000 of assets under management
       0.35% for the remaining assets above $5,000,000 of assets under
        management

All Accounts under this fee model are subject to a minimum monthly
Management Fee of $958.33. Accordingly, this model may not be appropriate for
clients with total household accounts of less than $1,000,000. The minimum fee
for investment advisory services may be reduced or waived at the sole discretion
of Financial Life Advisors.

Notwithstanding the above, our financial planning and investment advisory fees
are negotiable at the discretion of our investment advisor representatives based
on the level of complexity and service offered.

Model 2 (Generally does not include any financial planning or portfolio
customization)

                       FINANCIAL LIFE ADVISORS
                           FORM ADV PART 2A

Fees for this model are generally billed monthly in arrears and are based on the
total value of the assets under management during the billing period. The fee will
be equal to the agreed upon rate per annum (again, as set-forth in the IMA
entered into each Client), times the market value of the account, divided by (12)
monthly billing or (4) for quarterly billing. The market value will be construed to
equal the sum of the values of all assets in the account, as provided by the
account(s) custodian(s) not adjusted by any margin debit. Any other securities or
investments in the portfolio shall be valued in a manner determined in good faith
to reflect fair market value. Any such valuation should not be considered a
guarantee of any kind whatsoever with respect to the value of the assets in the
portfolio.

Fees for partial months (due to commencement or termination of the advisory
relationship) will be billed or refunded on a pro-rated basis contingent on a
number of days the account was open during the month. Further, deposits or
withdrawals in excess of $100,000 per transaction will be pro-rated based on the
number of days the funds were in the account for that period.

                     MODEL 2 ANNUAL FEE SCHEDULE
       0.65% for up to $1,000,000 of assets under management
       0.60% for the next $1,000,000 of assets under management
       0.50% for the next $3,000,000 of assets under management
       0.40% for the remaining assets above $5,000,000

All Accounts under this fee model are subject to a minimum monthly
Management Fee of $81.25. Accordingly, this model may not be appropriate for
clients with total household accounts of less than $150,000. The minimum fee for
investment advisory services may be reduced or waived at the sole discretion of
Financial Life Advisors.

Notwithstanding the above, our financial planning and investment advisory fees
are negotiable at the discretion of our investment advisor representatives based
on the level of complexity and service offered.

Model 3 (Legacy accounts)

Some clients who were with FLA or Cross Financial Services Corporation d/b/a
FLA previously may be on a different fee schedule and/or have different services
previously offered or negotiated. New clients are no longer offered these options.

                             FINANCIAL LIFE ADVISORS
...

Item 7- Types of Clients
FLA’s Clients are individuals, high net worth individuals, defined benefit plans/pension
and profit-sharing plans, trusts, estates, charitable organizations, corporations, and
other business entities.