Insight Folios Inc

Item	5:	Fees	and	Compensation

A.	Fee	Schedule
     Asset-Based Fees for Portfolio Management

                    Total Assets Under Management            Annual Fee
                    $0 - $ 999,999                           2.59%

                    $1,000,000 - $1,999,999                  2.45%

                    $2,000,000 - $4,999,999                  2.30%

                    $5,000,000 - and up                      Negotiated

     Asset-Based fees are negotiable at INS's discretion, and the final fee schedule is attached as an Exhibit of the
     Investment Advisory Contract. Clients may terminate the agreement without penalty for a full refund
     of INS's fees within five business days of signing the Investment Advisory Contract. Thereafter, clients
     may terminate the Investment Advisory Contract upon thirty (30) days written notice.

     INS bills based on the last day of the previous quarter or previous month.

     Financial Planning Fees

     Fixed Fees

     INS’ Financial Planning fees are determined based on the nature and scope of services being provided
     and the complexity of each client’s circumstances. All fees are negotiated and agreed upon prior to
     entering into a contract with any client. For standard financial plans, INS typically charges a fixed fee
     ranging from $2,500 to $5,000. For more limited scope engagements or ongoing consultations, INS
     charges an hourly fee of $250, with a typical engagement requiring between 8 and 20 hours. The decision
     between hourly and fixed fee arrangements will be based on the estimated time required, complexity of
     the planning needs, and client preference. The services provided in order to complete the financial plan
     are described more fully in Item 4, Advisory Services.

       If the plan is implemented through INS and the financial planning client chooses to engage INS for its
       Portfolio Management Services, INS reserves the discretion to reduce or waive the hourly fee and/or the
       financial plan fixed fee.

       Clients may terminate the agreement without penalty for a full refund of INS's fees within five business
       days of signing the Financial Planning Agreement. Thereafter, clients may terminate the Financial
       Planning Agreement generally upon written notice. The agreement will automatically renew until
       otherwise canceled by either party. If the agreement is terminated, a refund will be made for services
       that have not been performed.

       ERISA Plan Advisory Service Fees

       The rate for ERISA Plan Advisory Services is between 0.25 - 0.75% of the plan assets for which INS is
       providing such consulting services. These fees are negotiable.

       Factors to determine the fee scale will be:
          • the number of facilities and employees;
          • travel time and/ or overnights required to service and/ or educate participants;
          • Number of Fiduciary Reviews per year (usual is 1 -2 per year) as well as travel time and/ or
              overnights required;
          • Number of Investment Committee meetings per year (usual is 1-4 per year) as well as travel
              time and/ or overnights required;
          • The frequency the plan sponsor wants the plan shopped for quotes and proposals or to
              benchmark the plan (usual is every 3 years);
          • The amount of assets in the plan as well as the annual flow of contributions and matches. Profit
              Share contributions are also important.

       Selection of Other Advisers: Fees

       INS may direct clients to third party money managers. INS will be compensated via a fee share from the
       advisors to which it directs those clients. This relationship will be disclosed in each contract between INS
       and each third-party adviser. The fees shared will not exceed any limit imposed by any regulatory
       agency.

These third-party advisers are state or SEC registered investment advisers. Advisor helps clients choose a suitable
third-party program by first understanding the client's financial situation and investment goals.
Advisor earns compensation for referring clients to these advisers and providing ongoing services. This
compensation is disclosed separately and usually represents a portion of the third-party adviser's fee or a fixed
fee. The disclosure clearly outlines how these fees affect the total charges to the client.
Although different agreements with third-party advisers mean Advisor may earn varying compensation, it remains
committed to acting in the client's best interests due to its fiduciary duty. Clients receive full disclosure about the
services and fees from both the third-party adviser and Advisor, including the relevant Form ADV 2A documents.
If a wrap fee program is recommended, clients also get the wrap fee brochure from the program sponsor.

To engage with a third-party adviser, clients must enter into an advisory agreement and complete necessary
documentation. While Advisor guides clients in selecting a third-party adviser, it does not manage accounts
established with these third-party managers.

B.	Payment	of	Fees
       Payment of Asset-Based Fees for Portfolio Management

       Asset-based portfolio management fees are withdrawn directly from the client's accounts with client's
       written authorization. These fees are withdrawn on either a quarterly basis in advance on the first
       business day of each quarter, or on a monthly basis in arrears on the first business day following the
       month end, as negotiated and disclosed in the Investment Advisory Contract. Fees are based on the assets
       under management on the last day of the prior period. For partial periods, fees will be prorated based
       on the number of days services were provided. For accounts opened mid-period, fees will be prorated
       from the date of inception to the end of the period.
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Item	7:	Types	of	Clients
INS generally provides advisory services to the following types of clients:

           v Individuals
           v High-Net-Worth Individuals
           v Other Investment Advisors

Minimum Account Size

There is no account minimum for any of INS’s services.