Focus Investment Advisors Inc

Item 5: Fees and Compensation

       A. Fee Schedule

       Investment Supervisory Services Fees

                 Total Assets Under Management                 Annual Fee

                           $0 - $250,000                            1.50%

                        $250,001 - $500,000                         1.45%

                      $500,001 - $1,000,000                         1.35%

                     $1,000,001 - $2,000,000                        1.25%

                     $2,000,001 - $5,000,000                        1.00%

                        Above $5,000,001                            0.75%

       These fees are negotiable and the final fee schedule is attached to the Investment Advisory
       Contract. Fees are paid quarterly in advance, and clients may terminate their contracts
       with thirty days’ written notice. Because fees are charged in advance.. Clients may
       terminate their accounts without penalty within 5 business days of signing the advisory
       contract. Advisory fees are withdrawn directly from the client’s accounts with client
       written authorization.

Fees for LPL Advisory Programs

The account fee charged to the client for each LPL advisory program is negotiable, subject to the
following maximum account fees:

Manager Access Select          3.0%*

OMP                            2.5%

PWP                            2.5%

MWP                           2.65%**

SMS                           0.95%***

GWP                           1.35%****

* The maximum Manager Access Select account fee for new accounts was reduced to 2.5%
effective July 3, 2017.

** The MWP account fee consists of an LPL program fee, a strategist fee (if applicable) and an
advisor fee of up to 2.00%. Accounts remaining under the legacy fee structure may be charged
one aggregate account fee, for which the maximum account fee is 2.50%. See the MWP program
brochure for more information.

** The SMS fee consists of an LPL program fee of 0.20% (subject to a minimum program fee of
$250), and an advisor fee of up to 0.75%.

*** GWP Managed Service clients are charged an account fee consisting of an LPL program fee
of 0.35% and an advisor fee of up to 1.00%. In the future, a strategist fee may apply. However,
LPL Research currently serves as the sole portfolio strategist and does not charge a fee for its
services. FutureAdvisor is compensated directly by LPL for its services, including the
Algorithm and related software, through an annual sub-advisory fee (tiered based on assets
under management by FutureAdvisor, at a rate ranging from 0.10% to 0.17%). As each asset tier
is reached, LPL’s share of the compensation shall increase and clients will not benefit from such
asset tiers.

GWP Educational Tool provides access to sample recommendations at no charge to users.
However, if users decide to implement sample recommendations by executing trades, they will
be charged fees, commissions, or expenses by the applicable broker or adviser, as well as
underlying investment fees and expenses.

Account fees are payable quarterly in advance, except that the SMS fee is paid in advance on the
frequency agreed to between client and [Advisor].

Excluding SMS and GWP, LPL serves as program sponsor, investment advisor and broker-
dealer for the LPL advisory programs. In the Managed Service of GWP, LPL is appointed by
each client as custodian of account assets and broker-dealer with respect to processing securities
transactions for the accounts. In general, FutureAdvisor, in its capacity as investment advisor,
will submit transactions through LPL; however, FutureAdvisor may choose to execute
transactions through a broker-dealer other than LPL, subject to its duty to seek to achieve best
execution. When securities transactions are effected through LPL, there are no brokerage
commissions charged to the account. If FutureAdvisor chooses to execute a transaction through
a broker-dealer other than LPL, the execution price may include a commission or fee imposed
by the executing broker-dealer. In evaluating whether to execute a trade through a broker-

dealer other than LPL, Future Advisor will consider the fact that the account will not be charged
a commission if the transaction is effected through LPL.

FIA and LPL may share in the account fee and other fees associated with program accounts.
Associated persons of FIA may also be registered representatives of LPL. Under SMS, LPL
serves as investment advisor but not the broker-dealer. FIA and LPL may share in the advisory
portion of the SMS fee.

Certain Conflicts of Interest

FIA receives compensation as a result of a client’s participation in an LPL program. Depending
on, among other things, the type and size of the account, type of securities held in the account,
changes in its value over time, the ability to negotiate fees or commissions, the historical or
expected size or number of transactions, and the number and range of supplementary advisory
and client-related services provided to the client, the amount of this compensation may be more
or less than what FIA would receive if the client participated in other programs, whether
through LPL or another sponsor, or paid separately for investment advice, brokerage and other
services.

The account fee may be higher than the fees charged by other investment advisors for similar
services. For instance, FutureAdvisor offers direct-to-consumer services similar to GWP.
Therefore, clients could generally pay a lower advisory fee for algorithm-driven, automated
(“robo”) investment advisory services through FutureAdvisor or other robo providers.
However, clients using such direct robo services will forgo opportunities to utilize LPL-
constructed model portfolios or to work directly with a financial advisor.

Clients should consider the level and complexity of the advisory services to be provided when
negotiating the account fee (or the advisor fee portion of the account fee, as applicable) with
...

Item 7: Types of Clients

FIA generally provides investment advice and/or management supervisory services to the
following types of clients:

           ❖ Individuals
           ❖ High-Net-Worth Individuals
           ❖ Pension and Profit Sharing Plans
           ❖ Trusts, Estates, or Charitable Organizations
           ❖ Corporations or Business Entities

Minimum Account Size

There is an account minimum, $100,000, which may be waived by the investment advisor, based
on the needs of the client and the complexity of the situation.