Light Financial Services Inc

Item 5 Fees and Compensation

                               PORTFOLIO MANAGEMENT SERVICES FEES

Our annual fees for Portfolio Management Services are based upon a percentage of assets under
management and generally range from 0.25% to 1.50%. Our investment management fees are billed
either quarterly or monthly, in arrears, meaning that we invoice you at the end of each month or
quarter.

Limited Negotiability of Advisory Fees: Although Light Financial Services, Inc. has established the
aforementioned fee schedule, we retain the discretion to negotiate alternative fees on a client-by-client
basis. Client facts, circumstances and needs are considered in determining the fee schedule. These include
the complexity of the client, assets to be placed under management, anticipated future additional assets;
related accounts; portfolio style, account composition, reports, among other factors. The specific annual
fee schedule is identified in the contract between the adviser and each client.

We may group certain related client accounts for the purposes of achieving the minimum account size
requirements and determining the annualized fee.

Discounts not generally available to our advisory clients, may be offered to family members and friends
of associated persons of our firm.

                                 MODEL PORTFOLIO MANAGEMENT FEES

Our annual fees for Model Portfolio Management Services are based upon a percentage of assets under
management and generally range from 0.25% to 1.50%. Our investment management fees are billed
either quarterly or monthly, in arrears, meaning that we invoice you at the end of each month or
quarter.

Limited Negotiability of Advisory Fees: Although Light Financial Services, Inc. has established the
aforementioned fee schedule(s), we retain the discretion to negotiate alternative fees on a client-by-client
basis. Client facts, circumstances and needs are considered in determining the fee schedule. These include
the complexity of the client, assets to be placed under management, anticipated future additional assets;
related accounts; portfolio style, account composition, reports, among other factors. The specific annual
fee schedule is identified in the contract between the adviser and each client.

We may group certain related client accounts for the purposes of achieving the minimum account size
requirements and determining the annualized fee.

Discounts not generally available to our advisory clients, may be offered to family members and friends
of associated persons of our firm.

                                     ORION WRAP FEE PROGRAM

Light Financial Services, Inc.'s fee is determined based on the nature of the services being provided and
the complexity of each client’s circumstances. All fees are agreed upon prior to entering into a contract
with any client, 0.25% to 1.50%. Fees for Orion’s services include Administration Fees, Account
Maintenance Fees, Termination Fees, Strategist Fees, and Trading and Custody Fees. Administration fees
are charged based on a percentage of your assets under management. Fees will be deducted from your
account monthly in arrears. Unless indicated, fees are based on the average daily account balance (“ADB”)
for the previous month. If your account was not open for the entire month, then the fee will be pro-rated.

Clients should carefully review all fees charged by Orion, Light Financial Services Inc., and any funds you
are invested in to fully understand the total amount of fees that are paid. It is your responsibility to verify
the accuracy of the fee charged to your account. The fee Orion collects will appear on your custodial
statement, though the custodian does not determine whether the fee has been properly calculated. In
addition, a fee summary is available to you through Orion on a monthly basis. Fees charged by Orion are
separate and distinct from fees and expenses charged by Light Financial Services, Inc., mutual funds or
ETFs traded within the wrap program. A description of mutual fund or ETF fees and expenses are available
in each fund’s prospectus.

Our service may be terminated by either party in accordance with the Orion Terms of Services and Use
Agreement.

The client is responsible for paying for services rendered until the termination of the agreement. The fees
listed in the Orion Terms of Services and Use Agreement are their standard rates. Fees may vary by
custodian.

Further details regarding fees for Orion’s Wrap Fee Programs are provided in Orion Portfolio
Solutions, Appendix 1 of Form ADV Part 2A, The Wrap Brochure.

                                       FINANCIAL PLANNING FEES

Our Financial Planning fees are calculated and charged on a fixed fee basis, typically ranging from $750
to $7,500, depending on the specific arrangement reached with the client. The balance is due upon
completion of the plan.

Financial Planning Fee Offset: Light Financial Services, Inc. reserves the discretion to reduce or waive the
minimum fixed fee if a financial planning client chooses to engage us for our Portfolio Management
Services.

                                        GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be canceled at any time, by either
party, for any reason upon receipt of 30 days written notice. Upon termination of any account, any
prepaid, unearned fees will be promptly refunded.

Minimum Assets Under Management: There are no set minimum assets under management required for
this service, it is determined on a case-by-case basis. However, we will not enter an investment adviser
relationship with a prospective client whose investment objectives may be considered incompatible with
our investment philosophy or strategies, or where the prospective client seeks to impose unduly
restrictive investment guidelines.

Mutual Fund Fees: All fees paid to Light Financial Services Inc. for investment advisory services are
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Item 7 Types of Clients

Light Financial Services Inc. provides advisory services to the following types of clients:

    •   Individuals (other than high net worth individuals)
    •   High net worth individuals
    •   Charitable organizations
    •   Corporations or other businesses not listed above.

Light Financial Services Inc. does not have any required account minimum.