MFA Wealth Advisors LLC

Item 5. Fees and Compensation
MFA charges fees based upon assets under management or advisement.

Wealth Management Fees
MFA offers wealth management services for an annual fee based on the amount of assets under the
Firm's management. This management fee generally varies between 0.40% and 1.65% in accordance
with the following blended fee schedule:

                           PORTFOLIO VALUE                       BASE FEE

                                First $100,000                       1.65%
                                Next $400,000                        1.35%
                                Next $500,000                        1.00%
                               Next $1,000,000                       0.80%
                               Next $1,500,000                       0.60%
                               Next $1,500,000                       0.55%
                               Next $5,000,000                       0.50%
                              Above $10,000,000                      0.40%

The annual fee is prorated and charged quarterly, in advance, based upon the market value of the assets
being managed by MFA on the last day of the previous billing period.

If assets in excess of $100,000 are deposited into or withdrawn from an account after the inception of
a billing period, the fee payable with respect to such assets is 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 Investment Management 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.), MFA may negotiate a fee rate
that differs from the range set forth above.

                 FORM ADV PART 2A DISCLOSURE BROCHURE
Fee Dispersion

MFA, in its discretion, may charge a lesser investment advisory fee, charge a flat fee, waive its fee
entirely, or charge fee on a different interval, based upon certain criteria (i.e. anticipated future earning
capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts,
account composition, complexity of the engagement, anticipated services to be rendered, grandfathered
fee schedules, employees and family members, courtesy accounts, competition, negotiations with client,
etc.). Please Note: As a result of the above, similarly situated clients could pay different fees. In addition,
similar advisory services may be available from other investment advisers for similar or lower fees. ANY
QUESTIONS: MFA’s Chief Compliance Officer, David Reichert, remains available to address any
questions that a client or prospective client may have regarding advisory fees.

Additional Fees and Expenses

In addition to the advisory fees paid to MFA, clients may 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 may include securities brokerage
commissions, transaction fees, custodial fees, overnight carrier fees for certain deliveries, early settlement
fees when a client wishes to exit investment positions in order to withdraw cash, fees charged
by the Independent Managers, margin costs, charges imposed directly by a mutual fund or ETF in a
client's account, as disclosed in the fund's prospectus (e.g., fund management fees and other fund
expenses), deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund
fees, and other fees and taxes on brokerage accounts and securities transactions. The Firm's brokerage
practices are described at length in Item 12, below.

Direct Fee Debit

Clients generally provide MFA and/or certain Independent Managers with the authority to directly debit
their accounts for payment of the investment advisory fees. The Financial Institutions that act as the
qualified custodian for client accounts, from which the Firm retains the authority to directly deduct fees,
have agreed to send statements to clients not less than quarterly detailing all account transactions,
including any amounts paid to MFA. Fees for services provided for any held-away accounts will be
deducted from another account of the client’s designation.

Account Additions and Withdrawals

Clients may make additions to and withdrawals from their account at any time, subject to MFA's right to
terminate an account. Additions may be in cash or securities provided that the Firm reserves the right to
liquidate any transferred securities or declines to accept particular securities into a client's account.
Clients may withdraw account assets on notice to MFA, subject to the usual and customary securities
settlement procedures. However, the Firm generally designs its portfolios as long-term investments and
the withdrawal of assets may impair the achievement of a client's investment objectives. MFA may consult
with its clients about the options and implications of transferring securities. Clients are advised that when
transferred securities are liquidated, they may be subject to transaction fees, short-term redemption fees,
fees assessed at the mutual fund level (e.g., contingent deferred sales charges) and/or tax ramifications.

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

Minimum Account Requirements

MFA does not impose a stated minimum fee or minimum portfolio value for starting and maintaining an
investment management relationship. Certain Independent Managers may, however, impose more
restrictive account requirements and billing practices from the Firm. In these instances, MFA may alter its
corresponding account requirements and/or billing practices to accommodate those of the
Independent Managers.