Foronjy Financial LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management          Annual Fees
        $0 - $5,000,000                        1.00%

        $5,000,001 - $10,000,000               0.80 %

        $10,000,001 – AND UP                   0.60%

The advisory fee is calculated using the value of the assets in the Account on the last
business day of the prior billing period.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of FORONJY FINANCIAL's fees within five business days of signing the
Investment Advisory Contract. Thereafter, clients may terminate the Investment
Advisory Contract immediately upon written notice.

Pension Consulting Services Fees

Asset-Based Fees for Pension Consulting

        Total Assets Under Management          Annual Fee
        $0 - $5,000,000                        1.00%

        $5,000,001 – $10,000,000               0.80%

        $10,000,001 – AND UP                   0.60%

The advisory fee is calculated using the value of the assets on the last business day of the
prior billing period

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement.

Clients may terminate the agreement without penalty for a full refund of FORONJY
FINANCIAL's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the pension consulting agreement

immediately upon written notice. FORONJY FINANCIAL bills based on the balance on
the first day of the billing period

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $2,500 and $25,000.

Clients may terminate the agreement without penalty, for full refund of FORONJY
FINANCIAL’s fees, within five business days of signing the Financial Planning
Agreement. Thereafter, clients may terminate the Financial Planning Agreement generally
upon written notice.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in advance.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in advance.

Payment of Financial Planning Fees

Financial planning fees are paid via check and wire.

Fixed financial planning fees are paid 50% in advance, but never more than six months in
advance, with the remainder due upon presentation of the plan.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by FORONJY FINANCIAL. Please see Item
12 of this brochure regarding broker-dealer/custodian.

       D. Prepayment of Fees

       FORONJY FINANCIAL collects fees in advance. Refunds for fees paid in advance but not
       yet earned will be refunded on a prorated basis and returned within fourteen days to the
       client via check, or return deposit back into the client’s account.

       For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
       the fees collected in advance minus the daily rate* times the number of days elapsed in
       the billing period up to and including the day of termination. (*The daily rate is calculated
       by dividing the annual asset-based fee rate by 365.)

       Fixed fees that are collected in advance will be refunded based on the prorated amount of
       work completed at the point of termination.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither FORONJY FINANCIAL nor its supervised persons accept any compensation for
       the sale of securities or other investment products, including asset-based sales charges or
       service fees from the sale of mutual funds.

Item 7: Types of Clients

FORONJY FINANCIAL generally provides advisory services to the following types of clients:
     ❖     Individuals
     ❖     High-Net-Worth Individuals

There is no account minimum.