Financial Symmetry Incorporated

Item 5: Fees and Compensation

          Financial Planning - Our typical plan cost is between $1,000–$4,000 but may be higher
          depending on level of complexity. Our current hourly rates range from $40-$300/hour.

          Wealth Management - Our fees are calculated as a percent of your portfolio assets according to the
          following table, with a minimum annual fee of $4,800. Fees are billed quarterly in arrears based on
          the end of quarter value and are prorated for partial quarters.

                         From                            To                       Annual Rate

                         $0.00                    $1,000,000.00                       0.85%

                   $1,000,000.00                 $2,000,000.00                        0.70%

                   $2,000,000.00                 $3,000,000.00                        0.55%

                   $3,000,000.00                      and up                          0.40%

          Emerging Wealth - Our fees are calculated as a percent of your portfolio assets, starting at 0.85%
          with no minimum fee. Fees are billed quarterly in arrears based on the end of quarter value and
          are prorated for partial quarters. Once assets reach the minimum fee level of Wealth
          Management or your needs require additional services, your engagement with us will upgrade to
          Wealth Management.
          *Fees may be deducted from clients' accounts where appropriate and applicable, and/or paid by personal
          check by the client following receipt of an invoice.

          **Fees based on the above tiered table are cumalative. Ex. $2,000,000 would be billed at 0.85% for the first
          $1,000,000 and 0.70% for the next $1,000,000

Some clients are under legacy rates different than the current fee schedule. In unusual circumstances, fees are
negotiable.

All fees paid to FSI are separate and distinct from the fees and expenses charged by mutual funds and ETFs to
their shareholders. Mutual fund and ETF expenses are generally described in each fund’s prospectus. These
expenses will generally include a management fee, other fund expenses, and possibly a distribution fee.

Clients may incur transaction fees in connection with trading of mutual fund, ETF, individual stock and bonds,
which are charged by the custodian (brokerage firm holding the client’s assets for safekeeping). Mutual fund
and exchange traded funds (ETFs) transaction fees charged by our recommended custodian, PERSHING, LLC,
generally vary from $5 to $25 for each purchase and sale transaction. Transaction fees from other custodians
will vary and could be higher or lower. The transaction costs for stock and bond trades vary. For a discussion of
our practice in recommending brokers (custodians) to our clients and negotiating brokerage fees on their
behalf, please see Item 12.

Item 7: Types of Clients
              Financial Planning - Our typical financial planning client has one or more immediate financial
              questions pertaining (but not limited) to retirement, a new home purchase, the birth of a child, a new
              car purchase, tax savings, amounts they should be saving and/or spending, investment portfolio,
              college savings, insurance, and estate planning.

              Wealth Management - Clients using our Wealth Management service are trying to balance their
              growing investment accounts with the many complexities that come with this situation. They may
              have been building wealth their entire career or just received an inheritance. This abundance of
              resources often brings up questions regarding tax efficiency, estate taxes, legacy planning, withdrawal
              strategies, and cash flow management. These clients are made up of a diverse mix of income earners
              and age groups. They are looking for ways to evaluate their investment needs, develop and
              implement optimal investment strategies, become aware of anything they may be missing, and cope
              with the ever-growing complexities of the financial markets.

              Emerging Wealth - Our Emerging Wealth clients are often in the early stages of building their
              investment portfolio and likely to reach minimum fee for Wealth Management within five years.