Guidestream Financial Inc

Item 5           Fees and Compensation

   A.
                                   INVESTMENT ADVISORY SERVICES
         Effective July 1, 2023, GuideStream Financial’s annual investment advisory fee for
         individuals and families shall be based upon a percentage (%) of the average daily market
         value, based upon the custodial valuation, and type of assets placed under GuideStream
         Financial’s management.

         GuideStream Financial’s fee will be prorated and charged on a monthly basis, in arrears,
         as follows:

                              Market Value of Portfolio              Annual Fee %
                              First $250,000                         1.15%
                              Next $250,000                          1.00%
                              Next $250,000                          0.85%
                              Next $250,000                          0.70%
                              Amount over $1,000,000                 0.55%

         Effective July 1, 2023, Institutional Clients (i.e., ERISA plans, charities, endowments, and
         for-profit business entities) are subject to the following fee schedule which, is also prorated
         and charged on a monthly basis, in arrears:

                              Market Value of Portfolio              Annual Fee %
                              First $2,000,000                       0.70%
                              Next $8,000,000                        0.40%
                              Amount over $10,000,000                0.10%

         Institutional clients are generally required to have a minimum asset level of $2,000,000.
         Those institutional clients that do not meet the minimum will generally (with potential
         exceptions-see Fee Dispersion below) be subject to the individual and family fee schedule
         reflected above unless and until the $2,000,000 level is achieved.

Please Note: Several clients that engaged GuideStream Financial prior to June 30, 2023,
have been grandfathered under a prior fee schedule.

Please Note: Institutional Clients do not receive Financial Planning services as described
in Item 4 above.

GuideStream Financial’s policy is to treat intra-month account additions and withdrawals
equally unless indicated to the contrary on GuideStream Financial’s Investment Advisory
Agreement executed by its retail and institutional clients. Since its fees are calculated on
the average daily value of the client’s account, additions and withdrawals will impact the
fee charged. Additionally, GuideStream Financial bills on cash in the client’s account as
well as the outstanding margin value. GuideStream Financial’s investment advisory fee
may be negotiable at its discretion, depending upon objective and subjective factors
including but not limited to: the amount of assets to be managed; portfolio composition;
the scope and complexity of the engagement; the anticipated number of meetings and
servicing needs; related accounts; future earning capacity; anticipated future additional
assets; the professional(s) rendering the service(s); prior relationships with GuideStream
Financial and/or its representatives, and negotiations with the client. As a result of these
factors, similarly situated clients could pay different fees, the services to be provided by
GuideStream Financial to any particular client could be available from other advisers at
lower fees, and certain clients may have fees different than those specifically set forth
above.

Fee Dispersion. GuideStream, in its discretion, may charge a lesser or higher investment
advisory fee, charge a flat fee, waive its fee entirely, or charge fee on a different interval,
based upon certain criteria (i.e., anticipated future earning capacity, anticipated future
additional assets, dollar amount of assets to be managed, related accounts, account
composition, complexity of the engagement, anticipated services to be rendered,
grandfathered fee schedules, employees and family members, competition, negotiations
with client, etc.). Please Note: As result of the above, similarly situated clients could pay
different fees. In addition, similar advisory services may be available from other
investment advisers for similar or lower fees. ANY QUESTIONS: GuideStream’s Chief
Compliance Officer, Joseph Crupper, remains available to address any questions that a
client or prospective client may have regarding advisory fees. See additional disclosure
regarding fees, including fee schedule deviations and fee minimums, and at Item 7 below.

Margin Accounts: Risks/Conflict of Interest. GuideStream Financial does not
recommend the use of margin for investment purposes. A margin account is a
brokerage account that allows investors to borrow money to buy securities and/or for other
non-investment borrowing purposes. The broker/custodian charges the investor interest for
the right to borrow money and uses the securities as collateral. By using borrowed funds,
the customer is employing leverage that will magnify both account gains and losses. Should
a client determine to use margin, GuideStream Financial will include the entire market
value of the margined assets when computing its advisory fee. Accordingly, GuideStream
Financial’s fee shall be based upon a higher margined account value, resulting in
GuideStream Financial earning a correspondingly higher advisory fee. As a result, the
potential of conflict of interest arises since GuideStream Financial may have an economic
disincentive to recommend that the client terminate the use of margin. Please Note: The
use of margin can cause significant adverse financial consequences in the event of a market
correction. ANY QUESTIONS: Our Chief Compliance Officer, Joseph Crupper,

    remains available to address any questions that a client or prospective client may have
    regarding the use of margin.

           FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
...

Item 7           Types of Clients

         GuideStream Financial’s clients shall generally include individuals, business entities,
         trusts, estates, charitable organizations and pension and profit-sharing plans.

         GuideStream Financial may require an annual minimum fee of $250 or a minimum asset
         level of $25,000 for investment advisory services for retail clients. GuideStream Financial
         generally requires a minimum asset level of $2,000,000 for Institutional Clients as
         described above. 403(b) accounts will generally not be subject to the annual minimum fee.
         However, GuideStream Financial, in its sole discretion, may charge a higher or lower fee
         or waive or reduce its minimum fee or asset requirement based upon certain criteria (i.e.,
         anticipated future earning capacity, anticipated future additional assets, dollar amount of
         assets to be managed, related accounts, account composition, complexity of the
         engagement, anticipated services to be rendered, grandfathered fee schedules, employees
         and family members, , competition, negotiations with client, etc.). As a result of the above,
         similarly situated clients could pay different fees. In addition, similar advisory services
         may be available from other investment advisers for similar or lower fees. ANY
         QUESTIONS: GuideStream Financial’s Chief Compliance Officer, Joseph Crupper,
         remains available to address any questions that a client or prospective client may have
         regarding advisory fees.