HFM Investment Advisors LLC

Item 5: Fees and Compensation
Investment Advisory Services
Advisor Fee on Platform Household AUM: (including but not limited to accounts custodied at
Charles Schwab, Betterment Securities, or those managed remotely via Pontera)

Annual Fee Schedule:

First $500,000                      1.50%

Next $500,000                       1.25%

Next $2,000,000                     1.00%

Assets Above $3,000,000             0.75%

This is a tiered/blended fee schedule, the advisor fee is calculated by applying different rates to
different portions of the portfolio.

Fees are paid quarterly in advance, with the exception of accounts custodied at Betterment
Securities which are paid quarterly in arrears. The advisory fee is calculated using the value of
the assets in the Household on the last business day of the prior calendar quarter. Accounts
opened during a quarter will be calculated a pro-rata fee, based on the number of days the
Account was open during the quarter, which will be assessed at the beginning of the first full
calendar quarter that the Account is opened. Calculations are based on the number of actual
days in the year.

Advisor Fee on TIAA Annuities Only:

Annual Fee Schedule:        1.00%

The market value of the VA will NOT be included in the Platform Household AUM calculation for
HFM’s Advisor Fee above. The VA fee is charged quarterly in arrears and collected by TIAA on
behalf of HFM. The fee is calculated based on the contract value of the VA at the end of the
quarter.

Accounts initiated or terminated during a calendar quarter will be charged a pro-rated fee based
on the amount of time remaining in the billing period. An account may be terminated with written
notice. Upon termination of the account, any unearned fee will be refunded to the client on a
prorated basis.

Clients may terminate the agreement without penalty, for full refund of HFM’s fees, within five
business days of signing the Investment Advisory Agreement. Thereafter, clients may terminate
the Investment Advisory Agreement with fourteen days’ written notice.

In limited circumstances, HFM’s advisory fee is negotiable at our sole 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 professionals rendering the services; prior relationships with HFM
and its representatives; and negotiations with the client in limited circumstances.

HFM may also determine to aggregate account values for related clients (such as spouses and
certain other relatives in HFM’s discretion) for the purpose of reducing the overall fee. Certain
clients may have accepted different pre-existing service offerings or negotiated their advisory fee
and may therefore receive services under different fee schedules than as set forth above. As a
result, similarly, situated clients could pay different fees, the services to be provided by HFM 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.

Subadvisor Services Fees

HFM will use Subadvisors (unaffiliated third-party advisors) to manage client assets. This
relationship will be memorialized in each contract between HFM and the third-party advisor.

GeoWealth Management, LLC - HFM will be paying GeoWealth's fees from the firm’s revenue
and GeoWealth will debit the firm’s fee from client accounts quarterly in advance, deduct their
applicable fees from the firm’s total fees collected, and transmit the remainder to the firm.
Clients will not be directly paying for GeoWealth services.

Betterment LLC - HFM may specifically direct clients to Betterment LLC. Fees for selection of
Betterment LLC as third-party adviser are withdrawn by Betterment LLC directly from client
accounts. HFM then receives its portion of the fees from Betterment LLC. HFM does not directly
deduct the advisory fees. As HFM's assets with Betterment grow, HFM's share of the gross fee
increases.

Dimensional Fund Advisors LP - Dimensional withdraws its applicable fees for its UMA and
SMA platforms from the client’s account. This fee shall be in addition to the HFM fee and in
place of fund expense that would otherwise be paid by the client to own funds in a standard
portfolio.

Financial Planning Fixed Fees
The Firm offers financial planning services on a fixed fee basis. The fixed fee will be agreed upon
prior to the commencement of any work and generally ranges between $500 and $900. Fees are
negotiable at the Firm’s discretion. In no event will the Firm bill more than $500 in advance for
services to be rendered more than six months in the future. At the Firm’s discretion, clients may
have the option to pay fees in monthly or quarterly installments.

In the event of early termination, clients will be billed for services rendered based on an hourly
rate of $150. If the amount paid exceeds the value of services performed, the client will receive a
refund of the difference. If the amount paid is less than the value of services performed, the
client will be invoiced for the remaining balance. Clients may pay fees by check or electronically
via ACH or credit card through a third-party payment processor.

Retirement Plan Services Fees
Fees for the Retirement Plan Services (“Fees”) are negotiable and vary based upon the nature,
scope and frequency of our services as well as the size and complexity of the plan. A general
description of the different types of fees for Retirement Plan Services appears in the fee
schedule below:

Fee Type      Fee Range

            HFM’s Retirement Plan Services is based on the market value of the account and
            ranges from 0-1.50%, depending on the client's needs and the complexity of their
Asset-Based
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Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals, business
owners, trusts, and employer retirement plans.

The account minimum is $500,000, which may be waived at our discretion.

Our Retirement Plan Services are available to clients that are sponsors or other fiduciaries to
plans, including 401(k), 457(b), 403(b) and 401(a) plans. Plans include participant-directed and
trustee directed defined contribution plans and defined benefit plans. Plans may or may not be
subject to ERISA.

We do not require a minimum asset amount for Retirement Plan Consulting Services.