ISTO Advisors LLC

Item 5: Fees and Compensation
    •    Comprehensive Wealth Management:

                      Assets Under Management        Annual Percentage of Assets Charge
                            $0 to $250,000                        2.00%
                            Next $250,000                         1.50%
                            Next $500,000                         1.00%
                           Next $1,000,000                        0.80%
                           Over $2,000,000                        0.50%

    Fees to be assessed will be outlined in the advisory agreement to be signed by the client.
    Annualized fees are calculated on a flat fee or tiered fee schedule not to exceed 2.00% (see fee
    schedule above). Fees will be calculated and billed quarterly in advance based on the value of the
    account(s) on the last day of the previous quarter. Fees are negotiable and will be deducted from
    client account(s). Adjustments will be made for deposits and withdrawals during the quarter. We
    reserve the right to charge 0.50% on 529 plans. The assets of 529 plans will not be included in the
    aggregate household value. As part of this process, clients understand the following:

         •    The client’s independent custodian sends statements at least quarterly showing the market
              values for each security included in the assets and all account disbursements, including the
              amount of the advisory fees paid to our firm;
         •    Clients will provide authorization permitting our firm to be directly paid by these terms.
              Our firm will send an invoice directly to the custodian; and
         •    If our firm sends a copy of our invoice to the client, a legend urging the comparison of
              information provided in our statement with those from the qualified custodian will be
              included.

         Sub-advisers have their own fees, expenses, or charges, which are separate and distinct from
         the advisory fees charged by our firm. The terms and conditions under which the client shall
         engage the third-party investment advisory firm or individual advisors shall be set forth in a
         separate agreement between the client and the designated third-party.

ADV Part 2A – Firm Brochure                      Page 8 of 27                                   ISTO Advisors, LLC

    •    Financial Planning & Consulting:

         Our firm charges on an hourly or flat fee basis for Financial Planning and Consulting services.
         The total estimated fee, as well as the ultimate fee charged, is based on the scope and
         complexity of our engagement with the client. The maximum hourly fee to be charged will not
         exceed $1,500. Flat fees will not exceed $100,000. Our firm requires a payment of either the
         first monthly fee or ½ of the agreed upon flat fee at the time the engagement agreement is
         signed. The remainder of the fee will be directly billed based on a schedule indicated in the
         engagement agreement. In addition to the Financial Planning and Consulting services, a client
         may engage Our firm to manage their accounts under a separate and distinct Comprehensive
         Wealth Management agreement. The client will pay advisory fees generally based on a
         percentage of assets under management according to the schedule provided above. Our firm
         will not require a retainer exceeding $1,200 when services cannot be rendered within 6 months.

    •    Prosperity Consulting

    The Prosperity service is offered in two phases, each with a separate fee arrangement:

              Phase 1 – Financial Planning & Consulting:
              ISTO Prosperity charges a one-time flat fee of $2,000 for Phase 1 Financial Planning and
              Consulting services. The payor may elect to pay this flat fee as outlined in Schedule A.
              Payment instructions are set forth in the Financial Planning agreement.

              Phase 2 – Comprehensive Wealth Management:
              Upon completion of Phase 1, clients may elect to transition to ongoing Comprehensive Wealth
              Management services. Clients who choose to do so will enter into a Wealth Management
              agreement and Schedule A. Schedule A outlines the applicable annual advisory fee for Phase
              2. Clients with assets under management of $480,000 or less, the annual flat fee is $6,000,
              billed $1,500 in advance at the end of each quarter. Clients with assets under management
              exceeding $480,000 will transition to the tiered Comprehensive Wealth Management fee
              schedule as set forth in Schedule A.

    •    Retirement Plan Consulting:

         Our Retirement Plan Consulting services are billed on the percentage of Plan assets under
         management. The total estimated fee, as well as the ultimate fee charged, is based on the scope
         and complexity of our engagement with the client. Fees based on a percentage of managed
         Plan assets will not exceed 1.00%. The fee-paying arrangements for Retirement Plan
         Consulting service will be determined on a case-by-case basis and will be detailed in the signed
         consulting agreement.

    Other Types of Fees & Expenses

    Clients will incur transaction charges for trades executed in their accounts. These transaction fees
    are separate from our firm’s advisory fees and will be disclosed by the chosen custodian. Private
    investment vehicles in which clients have invested have their own fees, expenses, or charges,
    which are separate and distinct from the advisory fees charged by our firm. Clients may also pay

ADV Part 2A – Firm Brochure                      Page 9 of 27                                 ISTO Advisors, LLC

    charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
...

Item 7: Types of Clients & Account Requirements
    Our firm has the following types of clients:

ADV Part 2A – Firm Brochure                    Page 10 of 27                                 ISTO Advisors, LLC

         •    Individuals/Families and High Net Worth Individuals/Families;
         •    Trusts, Estates or Charitable Organizations;
         •    Pension and Profit-Sharing Plans;
         •    Corporations, Limited Liability Companies and/or Other Business Types

    Our requirements for opening and maintaining accounts or otherwise engaging us:

         •    Our Comprehensive Wealth Management service generally requires a minimum account
              balance of $1,000,000. We may waive or reduce this minimum at our discretion.
         •    The minimum annual advisory fee for Comprehensive Wealth Management is $11,250.
              We may waive or reduce this minimum at our discretion. Certain legacy clients may remain
              on a different fee schedule, including different minimum account and fee requirements.
         •    Prosperity Consulting does not require a minimum account balance. Please refer to the
              billing information for Prosperity Consulting described in Item 5 above.