Financial Perspectives Inc

Item	5	 FEES	AND	COMPENSATION

Investment Advisory Fees

Investment Advisory fees are generally determined as a percentage of assets under management. Fees are calculated and payable
quarterly, in arrears. Account values for fee calculation purposes are determined on the last day of the quarter. The initial fee may be
pro-rated based on the date that the assets came into the portfolio. The exact fee and assets charged will be specified on the Schedule
A of the Investment Advisory Agreement.

Investment Advisory fees are negotiable based upon, but not limited to the following factors: the client’s amount of assets under
management, the client’s financial background and circumstances, the complexity of the client’s situation, anticipated future earning
capacity, anticipated future additional assets, related accounts, overall account compensation, a pre-existing client relationship,
account retention, or pro bono activities. Fees paid to FP for its services may vary from client to client for similar services. FP believes
its fees are reasonable in relation to the services provided, and the fees charged by other investment advisers offering similar
services/programs. FP’s annual advisory fee may be higher or lower than that charged by other investment advisers offering similar
services/programs.

A flat-rate annual fee percentage may be used. These fee rates are negotiated in advance with each client and represented in Schedule
A of the Investment Advisory Agreement.

FP’s default is to deduct, or directly debit, the advisory fee directly from client accounts. Clients must provide written authorization to
have fees deducted directly from the account and paid to FP in the Investment Advisory Agreement. The custodian will deduct the fee
and send statements, at least quarterly, showing all activity for the account including the amount of advisor fees deducted. FP will
send fee notifications quarterly, including the market value, fee percentage, and the calculation of the fee. Fees are not verified by
the qualified custodian as it is the client’s responsibility to verify the accuracy. Clients may have the option to debit fees from an
alternate advisory account to pay for fees for another advisory account as agreed upon and indicated on Schedule A of the Investment
Advisory Agreement. The investment advisory fee will be payable from the liquidation or withdrawal of the client’s shares of any
money market fund or balances in any money market account. FP may, in its sole discretion, liquidate at any time a portion or all of
the other assets, including individual securities in the client’s account(s) to cover advisory fees owed.

Some assets or security types may be excluded from the advisory fee agreed to by clients and their IAR. At an agreed-upon point in
the future, the assets may be included in the calculation of advisory fees (i.e., when sufficient time has passed to offset the initial or
deferred sales charge already paid). Note: FP considers cash as an asset class, and it is included in the fee calculation. At times, your
fee may exceed the money market yield.

Clients should also note that while Investment Advisory Services are provided with the intention of clients implementing services
through FP, clients are not required to do so. Clients have the sole responsibility for determining whether to implement our
recommendations. Clients have the option to purchase investment products that FP recommends through other brokers or agents not
affiliated with FP.

Financial Planning Fees

Financial Planning fees are negotiable and may be charged on an hourly or fixed fee basis. Once determined, the exact fee arrangement
will be specified in the Financial Planning Agreement between the client and FP, which also sets forth the terms and conditions of the
engagement (including termination) and a description of the scope of the services to be provided, and the portion of the fee that is
due from the client prior to FP commencing services.

Hourly fees. Hourly rates are $175 per hour. Clients will be sent an invoice, billed in arrears. The fee is due and payable upon completion
of the written financial plan and/or completion of agreed-upon consulting services.

Fixed fees. Fixed fees are negotiable, which are typically determined by estimating the number of hours to be spent preparing the plan
and then quoting a fixed price. If additional work is requested that goes beyond the original scope of the planning, it may be billed on
an hourly or fixed basis as negotiated, depending upon the complexity of the client’s financial situation. Clients are sent an invoice,
billed in arrears. The fee is due and payable upon completion of the written financial plan and/or completion of agreed-upon consulting
services.

Total costs, whether per hour or on a fixed basis, may range from $175 to as much as $25,000 or more. There is no “typical” plan or
limit on advice, as services are customized to the particular needs of the client; thus, there is a wide range of fees that may be imposed.

Retirement Plan Consulting Fees

Retirement plan consulting fees are negotiable and may be charged on an hourly or fixed fee basis. Once determined, the exact fee
arrangement will be specified in the Retirement Plan Consulting Agreement between the client and FP, which also sets forth the terms
and conditions of the engagement (including termination) and describes the scope of the services to be provided.

Hourly fees. Hourly rates are $175 per hour. Clients will be sent an invoice, billed in arrears. The fee is due and payable upon completion
of the written financial plan and/or completion of agreed-upon consulting services.

Fixed fees. Fees are typically determined by estimating the number of hours to be spent preparing the plan and then quoting a fixed
price. If additional work is requested that goes beyond the original scope of the planning, it may be billed on an hourly or fixed basis
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Item	7	 TYPES	OF	CLIENTS

FP provides investment advice to individuals, trusts, estates, high net worth individuals, ultra-high net worth individuals, businesses,
profit sharing plans, and charitable organizations and foundations.

FP does not impose minimum client net worth or account size for the purpose of initiating or maintaining a client relationship, due to
the varied circumstances surrounding each client situation. From a practical and ethical standpoint, however, a client must have
sufficient assets to reasonably warrant and expect to benefit from the initial or sustained utilization of our services.

Third-party money managers may impose minimum account sizes, depending on the investment strategy chosen. Please refer to the
detail in the applicable managers’ account agreement.

All clients are required to execute an agreement for services in order to establish an arrangement with FP.