Lunin-Pack Planning and Advice LLC

Item 5. Fees and Compensation
      LPPA offers services on a fee basis, which includes fixed fees, as well as fees based upon assets under
      management or advisement. Additionally, certain of the Firm’s Supervised Persons, in their individual
      capacities and through an affiliate of the Firm, offer insurance products under a separate commission-based
      arrangement.

      Financial Planning and Consulting Fees

      LPPA charges a fixed fee for providing financial planning and consulting services under a stand-alone
      engagement or during the first year of the wealth management services discussed below. These fees are
      negotiable, but typically range from $10,000 to $50,000, depending upon the scope and complexity of the
      services and the professional rendering the financial planning and/or the consulting services. If the client

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 Disclosure Brochure                                         Lunin-Pack Planning & Advice, LLC

      engages the Firm for additional investment advisory services, LPPA can offset all or a portion of its fees
      for those services based upon the amount paid for the financial planning and/or consulting services.

      The terms and conditions of the financial planning and/or consulting engagement are set forth in the
      Advisory Agreement. LPPA requires one-half of the fee payable upon execution of the Advisory
      Agreement for the first six months of services. The outstanding balance is due upon delivery of the financial
      plan, completion of the agreed upon services or at the beginning of the second six month period. The Firm
      does not, however, take receipt of $1,200 or more in prepaid fees, six or more months in advance of services
      rendered.

      Investment Management Fees

      LPPA offers investment management services for an annual fee based on the amount of assets under the
      Firm’s management. This management fee varies between 150 and 75 basis points (1.50 % – 0.75 %),
      depending upon the size and composition of a client’s portfolio, the type and amount of services rendered
      and the individual(s) providing the services. This management fee varies in accordance with the following
      blended fee schedule:

                                    PORTFOLIO VALUE                        BASE FEE
                                       First $750,000                        1.50%
                                       Next $500,000                         1.00%
                                      Next $3,750,000                        0.85%
                                      Above $5,000,000                       0.75%

      The annual fee is prorated and charged monthly, in arrears, based upon the market value of the assets being
      managed by LPPA on the last day of the month as determined by a party independent from the Firm
      (including the client’s custodian or another third-party).

      The Firm includes cash in a client’s account in determining the valuation for billing purposes. The Firm
      may, in its sole discretion, not include cash in determining the fee, especially where a client has a high
      percentage of cash for reasons other than the Firm's investment management decision.

      If assets are deposited into or withdrawn from an account after the inception of a billing period, the fee
      payable with respect to such assets is not adjusted to reflect the interim change in portfolio value. For the
      initial period of an engagement, the fee is calculated on a pro rata basis. In the event the advisory agreement
      is terminated, the fee for the final billing period is prorated through the effective date of the termination and
      the outstanding or unearned portion of the fee is charged or refunded to the client, as appropriate.

      Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g.,
      held-away assets, accommodation accounts, alternative investments, etc.), LPPA can negotiate a fee rate

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 Disclosure Brochure                                         Lunin-Pack Planning & Advice, LLC

      that differs from the range set forth above. Clients are advised that a conflict of interest exists for the Firm
      to recommend that clients engage LPPA for additional services for compensation, including rolling over
      retirement accounts or moving other assets to the Firm’s management. Clients retain absolute discretion
      over all decisions regarding engaging the Firm and are under no obligation to act upon any of the
      recommendations.

      Investment Education Services Fees

      LPPA can charge a fixed fee for providing the investment education services. These fees are negotiable
      depending upon the scope and complexity of the services and the professional rendering the services.

      Fee Discretion

      LPPA may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as
      anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
      managed, related accounts, account composition, pre-existing/legacy client relationship, account retention,
      pro bono activities, or competitive purposes.

      Additional Fees and Expenses

      In addition to the advisory fees paid to LPPA, clients also incur certain charges imposed by other third
      parties, such as broker-dealers, custodians, trust companies, banks and other financial institutions
      (collectively “Financial Institutions”). These additional charges include securities brokerage commissions,
...

Item 7. Types of Clients
      LPPA offers services to individuals, trusts, estates, charitable organizations, corporations and other business
      entities, pension and profit sharing plans.