Findec Wealth Services Inc

Item 5 Fees and Compensation
Portfolio Management Services

Our fee for portfolio management services is a tiered fee schedule based upon a percentage of the
assets in your account and is set forth in the following fee schedule:

                                         Annual Fee Schedule

           Assets Under Management                                       Annual Fee
                 First $500,000                                            1.0%

            Next $500,001 - $1,000,000                                      0.80%

           Next $1,000,001 - $2,000,000                                     0.60%

           Next $2,000,001 - $5,000,000                                     0.40%

             Balance Over $5,000,000                                        0.20%

An account we manage for you may contain individual securities you owned at the time we began
providing investment management services where you have instructed us to retain those securities in
the account and exclude them from discretionary investment management. Those securities are
excluded from the account value used to determine our advisory fee.

Our annual fee for portfolio management services is billed either quarterly in advance based on the
market value of the assets under management on the last day of the preceding calendar quarter or
quarterly in arrears based on the market value of the assets under management on the last day of the
calendar quarter. The value may be part of an account or a portion of a Plan assets as agreed
between our firm and the client.

Alternatively, we may charge a fixed fee % that is not subject to the above tier schedule.

We may negotiate a flat annual fee amount in instances where it is in our business interest to acquire
or retain a client and the flat fee is renegotiable at least annually.

If the portfolio management agreement is executed at any time other than the first day of a calendar
quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the quarter for which you are a client. Our advisory fee is
negotiable, depending on individual client circumstances.

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.

We will send you an invoice for the payment of our advisory fee, or we will 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. These account statements will show all disbursements from your account. You should
review all statements for accuracy.

We encourage you to reconcile our invoices with the statement(s) you receive from the qualified
custodian. If you find any inconsistent information between our invoice and the statement(s) you
receive from the qualified custodian, call our main office number located on the cover page of this
brochure.

You may terminate the portfolio management agreement upon 30 days' written notice. You will incur a
pro rata charge for services rendered prior to the termination of the portfolio management agreement,
which means you will incur advisory fees only in proportion to the number of days in the quarter for
which you are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive
a prorated refund of those fees.

Financial Planning Services

We charge a fixed fee for financial planning services, which generally ranges from $1500 to
$5000. The first half of the estimated fee is due in advance of services rendered with the remaining
balance payable upon completion of the contracted services. The fee is negotiable depending upon the
complexity and scope of the plan, your financial situation, and your objectives. We do not require you
to pay fees six or more months in advance. Should the engagement last longer than six months
between acceptance of financial planning agreement and delivery of the financial plan, any prepaid
unearned fees will be promptly returned to you less a pro rata charge for bona fide financial planning
services rendered to date.

We also provide our Financial Planning Services based upon an hourly fee of up to $400.00 per hour,
which is negotiable depending on the scope and complexity of the plan, your situation, and your
financial objectives. An estimate of the total time/cost will be determined at the start of the advisory
relationship. In limited circumstances, the cost/time could potentially exceed the initial estimate. In
such cases, we will notify you and request that you approve the additional fee.

We also offer advice on single subject financial planning/general consulting services at the same
hourly rate.

We require that you pay 50% of the fee in advance and the remaining portion upon the completion of
the services rendered.

We will not require prepayment of a fee more than six months in advance and in excess of $1,200.

At our discretion, we may offset our financial planning fees to the extent you implement the financial
plan through our Portfolio Management Service.

You may terminate the financial planning agreement upon 30 days' written notice to our firm. If you
have pre-paid financial planning fees that we have not yet earned, you will receive a prorated refund of
those fees. If financial planning fees are payable in arrears, you will be responsible for a prorated fee
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Item 7 Types of Clients
We offer portfolio management services and investment advisory services to individuals (other than
high net worth individuals), high net worth individuals, pension and profit sharing plans, charitable
organizations, state or municipal government entities and corporations or other businesses not listed
above.

In general, we require a minimum of $250,000 (household) 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.