Kristen E Coombs LLC

ITEM 5:        FEES AND COMPENSATION

      A.       Fees Charged

      All investment management Clients will be required to execute an Investment Management Agreement that
      will describe the type of management services to be provided and the fees, among other items. Clients are
      advised that they may pay fees that are higher or lower than fees they may pay another advisor for the same
      services and may in fact pay lower fees for comparable services from other sources. Clients are under no
      obligation at any time to engage, or to continue to engage, InVested for investment services.

      Financial Planning Services

      InVested offers financial planning services on an hourly basis ranging from $250 to $500 per hour or at a fixed fee
      ranging from $1,000 to $5,000. Financial planning fees may be negotiable depending on the nature and complexity
      of each Client’s circumstances. An estimate of total costs will be determined prior to establishing the advisory
      relationship. The Advisor’s financial planning fee is exclusive of, and in addition to, brokerage fees, transaction
      fees, and other related costs and expenses, which may be incurred by the Client for the implementation of the
      Advisor’s recommendations. The Advisor shall not receive any portion of these commissions, fees, and costs.
      Financial planning fee arrangements may include making an initial deposit of a portion of the total estimated fee
      in advance, for an amount of up to fifty percent (50%) of the expected total cost. If this is the case, any unearned
      fees will be returned to the client in the event the engagement is terminated prior to completion. Further,
      InVested will not accept fees in advance for greater than six (6) months. Fees for full financial plans will be
      different from fees for specific consulting projects.

      Investment Management Services

InVested provides investment management services for an annual fee based upon a percentage of the assets
being managed by InVested or as an annual flat fee. The annual flat fee ranges from 0.30% to 1.00% per year.
The asset-based fee is charged according to the tiered fee schedule as follows:

                   Total Assets Under Management             Annual Fee Percentage
                 First 0-500K                                         1.30%
                 Next 500K - 1M                                       1.00%
                 Next 1M - 3M                                         0.75%
                 Next 3M - 5M                                         0.60%
                 Next 5M +                                            0.50%
                 Reporting Only Accounts                              0.00%
                 American Funds F2 Shares                             0.50%

Please note this fee schedule has “tiers,” meaning that if your assets exceed the maximum of the first tier, your
overall fee will be a blended percentage rate that is the result of being charged the corresponding fee for the
first level of assets, plus the different corresponding fee for the next level of assets, and so on. In determining
the tiered annual fee percentage, the client’s total assets under management will be aggregated. Fees are
negotiable in the sole discretion of InVested and may deviate from the tiered fee schedule above as agreed
upon in the investment advisory agreement. Factors affecting fee percentages include the size of the account,
complexity of asset structures, and other factors. All Clients, but especially those with smaller accounts, should
be advised they may receive similar services from other professionals for higher or lower overall costs.

InVested does charge an additional advisory fee ranging from 0.05% to 0.25% for providing tax analysis and
planning. This is optional for the client and is stated in the investment management agreement between the
client and InVested. If the client utilizes the tax analysis and planning, the fee is in addition to either the flat
fee or tiered fee.

InVested fees are in addition to the fees charged by a third-party manager.

Reporting accounts are assets where InVested does not manage the assets but does include the assets in the
reporting to the Client of overall portfolio assets.

Retirement Plan Services

InVested charges an annual fee ranging from 0.50% and 1.00% of plan assets. The fees can be paid directly by
the Plan Sponsor or deducted from the plan assets as indicated under the Non-Discretionary Retirement Plan
Agreement.

Tax Return Preparation Services

If a client chooses to engage InVested to prepare their tax return, it will be a one-time fee of $350 which can
be paid by check.

B.       Fee Payment

Financial Planning: Financial Planning fees will be due upon receipt of the invoice from InVested. In many
cases, clients will be asked to put forth a retainer at the onset of the engagement which may be for up to 50%
of the expected final cost. Fees may be paid via check or wire transfer.

Investment Management Services: Investment advisory fees, and if selected, the tax planning fee, will be
debited directly from each client’s account. The investment advisory fee, and if applicable, the tax planning

fee, is paid monthly, in advance, and the value used for the fee calculation is the gross value as of the last
market day of the previous month. To the extent there is cash or private placements in your account, it will
be included in the value for the purpose of calculating fees only if the cash is part of an investment strategy.

Once the calculation is made, we will instruct your account custodian to deduct the fee from your account and
remit it to InVested. InVested relies upon the pricing and valuation of investments provided by the custodian
for billing purposes. Some private investments report values directly to InVested on a quarterly basis by
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ITEM 7:        TYPES OF CLIENTS

      InVested provides investment management and financial planning services to individuals, high net worth
      individuals and businesses. InVested requires each Client to place at least $500,000 with the firm. This
      minimum may be waived in the discretion of InVested.