Holistic Wealth Advisors

ITEM 5: Fees and Compensation

The advisory fees payable upon initial implementation are collected directly from the account (provided
the client has given HWA written authorization for HWA to deduct the fees directly from the account).
Advisory fees for all subsequent periods will be collected directly from the account or from another account
authorized by the client, provided authorization was obtained. Clients will be provided with an account
statement reflecting the deduction of the advisory fee. If the account does not contain sufficient funds to
pay advisory fees, HWA has limited authority to sell or redeem securities in sufficient amounts to pay
advisory fees. The client may reimburse the account for advisory fees paid to HWA, except for ERISA and
IRA accounts.

Fees are negotiable and are not based on a share of capital gains/losses upon or capital
appreciation/depreciation of the funds or any portion of the funds.

Additionally, in limited cases, the client’s managed accounts may be aggregated together to determine a fee
breakpoint. Therefore, clients with multiple managed accounts will be charged a fee considering the
account values in total. In these cases, and when available, it is a benefit to the client to have an IAR that
aggregates accounts. Alternatively, some IARs may charge a corresponding fee based on each account size.
Therefore, clients with multiple accounts may pay a different fee depending on the account size.

The maximum annual advisory fee is 1.50% for advisor-managed non-wrap accounts.

In limited cases, HWA may apply a flat fee to provide asset management services. The maximum flat fee
will be no more than 1.50% of the assets under management. Details regarding billing can be found in
the client agreement for the applicable accounts. Clients should understand that this may create a
conflict of interest, as HWA’s and the IAR’s compensation does not increase or decrease along with the
client’s account value.
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Advisory fees will be charged in advance on a calendar quarter basis. Fees will be calculated based upon
the average daily value of the portfolio from the prior calendar quarter. Advisory fees for accounts opened
on a day other than the first day of the calendar quarterly period or closed on a day other than the last
business day of the calendar quarterly period will be prorated based on the number of days in the quarter.

The initial fee for accounts established during a calendar quarter will be billed to the account in advance
from the date of the initial deposit to the calendar quarter end based on the value of the initial deposit.

Clients have the option of purchasing many of the securities and investment products made available
through HWA through another broker-dealer or investment adviser. However, when purchasing these
securities and investment products away from HWA, clients will not receive the benefit of the advice and
other services HWA provides.

Partial withdrawals or additional deposits may result in a prorated refund or credit of fees to the client’s
account(s). Fee adjustments for partial withdrawals and additional deposits may be calculated in arrears
on the next quarterly period billing cycle. Fee adjustments will be calculated based on the value at the time
of the additional deposit or partial withdrawal.

Transaction Charges:

In addition to the advisory fees above, clients with non-wrap fee accounts will pay a transaction charge for
each transaction. Transaction charges are not assessed by HWA and HWA does not share in the transaction
charges. The transaction charges are assessed by the broker-dealer executing the transaction and may be
changed at any time by the broker-dealer. The following list of fees or expenses are what clients pay
directly to third parties, whether a security is being purchased, sold or held in an account(s) under HWA
management. Fees are charged by the broker-dealer/custodian.

HWA does not receive, directly or indirectly any of these fees charged to the client. They are paid to the
broker, custodian or the mutual fund or other investment that is held. The fees include, among others:

        •   Accounts holding Alternative Investments will be charged an annual custodial fee
            per position per account per year
        •   Brokerage commissions
        •   Transaction fees
        •   Exchange fees
        •   SEC fees
        •   Advisory fees and administrative fees charged by mutual funds/ETFs
        •   Advisory fees charged by subadvisors (if any are used for your account)
        •   Custodial fees
        •   Trade-away fees
        •   Deferred sales charges (on mutual funds or annuities)
        •   Odd-Lot differentials
        •   Transfer taxes
        •   Wire transfer and electronic fund processing fees
        •   Commissions or mark-ups/mark-downs on security transactions

Ticket Charges
There are conflicts of interest to consider in connection with the selection of mutual funds and a specific
transaction cost commonly known as ticket charge associated with each mutual fund transaction.

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As background, custodians often make available mutual funds that offer various classes of shares. Some
share classes of a fund charge higher internal expenses, whereas other share classes of a fund charge lower
internal expenses. Institutional and advisory share classes (collectively, “institutional shares” or
“institutional share classes”) typically have lower expense ratios and are less costly for a client to hold
than Class A shares or other share classes that are eligible for purchase in an advisory account. In some
instances, a mutual fund offers only Class A shares, but another similar mutual fund may be available
that offers institutional shares.
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ITEM 7: Types of Clients

HWA provides services to a variety of clients:

       •        Individuals
       •        Trusts, estates and charitable organizations
       •        Corporations or other business entities
       •        Governmental plans, municipalities
       •        Not for profit entities
       •        Bank or thrift institutions
       •        Retirement plans

A minimum account value of $10,000 is required for advisor-managed, non-wrap accounts; however, in
certain instances, the minimum account size may be lower.

Please see Item 4 for account minimums for other account types on Fidelity and Schwab platforms.

HWA does not require a minimum asset amount for financial planning or hourly consulting.

For TPIAs, the TPIA sponsor typically establishes a minimum account value, which will be set out in the
account opening documents with the TPIA sponsor.