Guidance Point Advisors LLC

Item 5 Fees and Compensation
Fee Schedule

Investment Supervisory Services Fees

    Asset Management by Guidance Point Advisors

For Legacy accounts that are managed directly by GPA, fees are billed quarterly in arrears based on
the averages of the quarter beginning balance and month end balances for each month in the quarter.
These fees typically range from a flat annual fee of 0.50% to 1.50%. The management fee is
negotiable. Advisory fees are withdrawn directly from the client's accounts with the client's written
authorization.

Fees for investment advisory services are separate and distinct from the expenses charged by mutual
funds and Exchanged Traded Funds ("ETFs") to their shareholders. These fees and expenses are
described in each fund's prospectus. These fees will generally include a management fee, other fund
expenses, and a possible distribution fee. A client could invest in these products directly, without the
services of GPA. In that case, the client would not receive the services provided by GPA which are
designed, among other things, to assist the client in determining which products or services are most
appropriate to each client's financial condition and objectives. Accordingly, the client should review
both the fees charged by the product sponsor and the fees charged by GPA to fully understand the
total fees to be paid.

Client is responsible for all custodial and securities execution fees charged by the qualified custodian
and executing broker-dealer. GPA fee is separate and distinct from the qualified custodian and
execution fees. See discussion in Item 12 of this brochure concerning broker/custodian.

    Turnkey Asset Management Programs (TAMPs)

The management fee will typically be an annual fee in the range of 0.50% to 1.50%, and the
management fee is negotiable, based on the amount of assets to be managed, the client's existing fee
structure upon engagement, the number of services utilized and the products selected. This
management fee includes the total advisory fees paid to GPA and to Envestnet For Advisor-Driven
accounts, Envestnet will typically receive 0.08% of the management fee. For Mutual Fund Model-
Driven accounts, Envestnet will typically receive 0.15% of the management fee. Accounts will be
charged separately by the Custodian for brokerage, custody, clearing and execution charges as
described below.

The final fee schedule is agreed-upon in the Envestnet Statement of Investment Selection. Fees are
calculated and billed quarterly in arrears based on a percentage of the average daily fair market value
of assets in the program during each calendar quarter. Fees for the first quarter will be prorated for the
days the account is open. Clients may terminate their contracts with one day's written notice. Because
fees are charged in arrears, no refund policy is necessary. Clients may terminate their accounts
without penalty within 5 business days of signing the Statement of Investment Selection.

In the Vanguard Personalized Indexing Management program ("VPI"), VPI will charge an annual fee
of 0.20%. The fees will be calculated and payable quarterly, in arrears, based upon the account value
as reported by the custodian as of the last business day of the prior quarter, or its services related to
the VPI program. That service fee is separate and distinct from the management fee charged by
GPA which will be listed on the Statement of Investment Selection. Clients will see two separate fee
deductions from their accounts at the end of each quarter. One for the VPI service fee and one for
GPA's fees. Accounts will be charged separately by the Custodian for brokerage, custody, clearing and
execution charges.

VPI portfolio management fees shall be charged per client account based upon the aggregate Advisor
assets under management and the individual account assets under management on the last day of the
relevant quarter as valued by the custodian.

GPA's fees are calculated and billed quarterly in arrears based on a percentage of the average daily
fair market value of assets in the program during each calendar quarter. Fees for the first quarter will
be prorated for the days the account is open.

Financial Planning Services Fees

For our Financial Planning Services that we offer on a separately contracted basis, we offer the
following fee arrangements:

    Fixed Fees

Depending upon the complexity of the situation and the needs of the client, the rate for creating client
financial plans is between $250 and $2,500. Fees are paid in arrears upon completion. Because fees
are charged in arrears, no refund is necessary. The fees are negotiable and the final fee schedule will
be attached in the Financial Planning Agreement.

    Hourly Fees

Depending upon the complexity of the situation and the needs of the client, the hourly fee for these
services is $200. The fees are negotiable and the final fee schedule will be attached in the Financial
Planning Agreement. Fees are paid in arrears upon completion. Because fees are charged in arrears,
no refund is necessary.

Hourly and fixed Financial Planning fees are paid via check in arrears upon project completion.

Clients Are Responsible 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 GPA. Please see Item 12 of this brochure regarding broker/custodian.

Outside Compensation for the Sale of Securities to Clients

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

Item 7 Types of Clients
GPA generally provides investment advice and/or management supervisory services to the following
clients:

    • Individuals

    • High-Net-Worth Individuals

    • Corporations or Business Entities

    • Unincorporated Associations

Minimum Account Size

There is an account minimum, $250,000, which may be waived by the investment adviser, based on
the needs of the client and the complexity of the situation.