Kraematon Investment Advisors Inc

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth Management fees are paid quarterly, at the end of each calendar quarter, pursuant to the terms of the
wealth management agreement. Wealth management fees are based on the market value of assets under
management at the end of the calendar quarter. Investment advisory fees are based on the following schedule:

                  Assets Under Management ($)                  Annual Rate (%)
                          $0 to $1,000,000                           1.00%
                      $1,000,000 to $2,000,000                       0.75%
                       Greater than $2,000,000                       0.50%

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to
the end of the first quarter. Fees are negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by KIA will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing. Any assets deposited into or withdrawn from the Client’s account[s], the
Advisor’s fee will be adjusted in the billing period to reflect the fee difference.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
other related costs and expenses described in Item 5.C. below, which may be incurred by the Client. However, the
Advisor shall not receive any portion of these commissions, fees, and costs.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s]
at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be
deducted from the Client’s account[s] at the respective quarter end date. The amount due is calculated by applying
the quarterly rate (annual rate divided by 365 then multiplied by the number of days in the quarter) to the total
assets under management with KIA at the end of each calendar quarter. Clients will be provided with a statement,
at least quarterly, from the Custodian reflecting the deduction of the wealth management fee. It is the responsibility
of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian
does not assume this responsibility. Clients provide written authorization permitting advisory fees to be deducted
by KIA to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement
and separate account forms provided by the Custodian.

C. Other Fees and Expenses
As mentioned in Item 4.B. above, the Client may be invested into share classes of mutual funds that have a
higher expense ratio than a different share class. This may result in Clients paying higher expense ratio[s]. For a
complete discussion of expenses related to each mutual fund, please read a copy of the prospectus issued by
that particular fund.

                                            Kraematon Investment Advisors, Inc.
                                  25 Braintree Hill Office Park, Suite 200, Braintree, MA 02184
                                        Phone: (781) 431-9425 | Fax: (781) 380-3650

Clients may incur certain fees or charges imposed by third parties other than KIA in connection with investments
made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees
charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge securities
transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms and
conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual
funds and other types of investments. The fees charged by KIA are separate and distinct from these custody
and execution fees.

In addition, all fees paid to KIA for investment advisory services are separate and distinct from the expenses
charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described
in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the
funds, other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and a
possible distribution fee. A Client may be able to invest in these products directly, without the services of KIA,
but would not receive the services provided by KIA, which are designed, among other things, to assist the Client
in determining which products or services are most appropriate for each Client’s financial situation and
objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by
KIA to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional
information.

D. Advance Payment of Fees and Termination
Wealth Management Services
KIA may be compensated for its wealth management services at the end of the quarter after services are
rendered. Either party may terminate the wealth management agreement, at any time, by providing advance
written notice to the other party. The Client may also terminate the wealth management agreement within five (5)
business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will
incur charges for bona fide advisory services rendered to the point of termination, and such fees will be due and
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Item 7 – Types of Clients

KIA offers investment advisory services to individuals, high net worth individuals, trusts, and estates. The
amount of each type of Client is available on KIA’s Form ADV Part 1A. These amounts may change over time
and are updated at least annually by the Advisor. KIA generally requires a minimum account size of $100,000 to
effectively implement its investment process.