Hobbs Group Advisors LLC

Item 5     Fees and Compensation

                    INVESTMENT SUPERVISORY SERVICES ("ISS")
             INVESTMENT MANAGEMENT AND WEALTH MANAGEMENT FEES

Investment Management (Digital Platform)

Fees for Digital Investment Management are based on a percentage of assets under
management. They are billed quarterly in advance. Fees for the initial quarter will be
prorated based upon the number of calendar days in the calendar quarter that the advisory
agreement is in effect. Fees are based on the market value of the assets on the last
business day of the previous quarter. The annual fee is .85%.

The quarterly fee is calculated as follows: The market value of the assets under
management on the last business day of the previous quarter multiplied by ¼ of the annual
advisor fee. Betterment charges a separate fee to the client for access to their platform.
This fee starts at .20% and can be reduced based on the total amount of assets our firm
manages at Betterment. We do not share in Betterments fee, and this fee is disclosed by
Betterment.

Investment Management (Traditional)

Our annual fees for Investment Management are based on a percentage of assets under
management and generally range from 0.65% to 1.25% depending on the level of
complexity, amount of time required by staff, and amount of assets under management.
Hobbs Group Advisors LLC may group certain related client accounts for the purposes of
achieving the minimum account size and determining the annualized fee.

Our fees are primarily billed quarterly, in advance, at the beginning of each calendar quarter
based upon the value (market value or fair market value in the absence of market value) of
the client's account at the end of the previous quarter. Fees will be debited from the account
in accordance with the client authorization in the Client Services Agreement. Some clients

may have other fee arrangements that are billed in arrears on a monthly basis based on the
average daily balance during the relevant period. Client agreements will stipulate the
frequency and amount of any advisory fees associated with the account.

Fees for the initial quarter will be prorated based upon the number of calendar days in the
calendar quarter that the advisory agreement is in effect. Fees are based on the market
value of the assets on the last business day of the previous quarter.

Wealth Management

Our annual fees for Wealth Management are based on a percentage of assets under
management, based on the following schedule:

Up to $1,000,000                1.25%
$1,000,001-$2,500,000           1%
$2,500,001-$5,000,000           .85%
$5,000,001-$10,000,000          .75%
$10,000,000+                    negotiable

There is a minimum annual fee of $6,250. This fee minimum may be negotiable under
certain circumstances. Hobbs Group Advisors LLC may group certain related client
accounts for the purposes of achieving the minimum account size and determining the
annualized fee.

Our fees are primarily billed quarterly, in advance, at the beginning of each calendar quarter
based upon the value (market value or fair market value in the absence of market value), of
the client's account at the end of the previous quarter. Fees will be debited from the account
in accordance with the client authorization in the Client Services Agreement. Some clients
may have other fee arrangements that are billed in arrears on a monthly basis based on the
average daily balance during the relevant period. Client agreements will stipulate the
frequency and amount of any advisory fees associated with the account.

Cash Management

Hobbs Group Advisors offers Cash Management Services through the use of Cash and Cash
Equivalents (CDs, Treasury Bills, Money Market Mutual Funds). Typically, HGA will recommend
a Cash Management Account for a portion of Client assets outside of a Managed Account
Program. Cash management fees are paid quarterly, in advance of each calendar quarter,
pursuant to the terms of the agreement. Cash management fees are based on the market value
of assets under management at the end of the prior calendar quarter. Cash management
service fees range from 0.25% to 0.50% annually based on the level of assets to be managed,
and the overall relationship with the Advisor. All other assets under management of the firm can
be aggregated for the purpose of achieving the breakpoints for cash management. Fee
schedule is as follows:

$0- $250,000                 .50%
$250,001-$1,000,000           .35%
$1,000,001+                  .25%

                                FINANCIAL PLANNING FEES

Hobbs Group Advisors, LLC's Financial Planning fee is determined based on the nature of
the services being provided and the complexity of each client’s circumstances. All fees are
agreed upon prior to entering into a contract with any client.

Although the length of time it will take to provide a Financial Plan will depend on each client's
personal situation, we will provide an estimate for the total hours at the start of the advisory
relationship.

The fee range for hourly financial planning services is $300 per hour. Financial planning
may also be charged as a fixed fee ranging between $1,000- $10,000. The client is billed in
arrears based on actual hours accrued. In some cases, a retainer fee in the amount of ½ the
projected cost of the engagement may be required. A minimum fee of $1,000 per
engagement is required.

Financial Planning Fee Offset: HGA gives a credit for financial planning fees paid
against investment management fees if a client engages our firm for Wealth
Management services. For example, if a client pays $1,000 towards a financial plan,
HGA will credit these fees towards quarterly Wealth Management fees until the credit is
fully offset.

                               CONSULTING SERVICES FEES

Hobbs Group Advisors, LLC's Consulting Services fee is determined based on the nature of
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Item 7      Types of Clients
Hobbs Group Advisors LLC provides advisory services to the following types of clients:

•   Individuals (other than high net worth individuals)

•   High net worth individuals

•   Pension and profit sharing plans

•   Charitable Organizations

•   Corporations or other businesses not listed above