NRI Wealth Management LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
        Assets Under Management                                Annualized Fee
                $0-$5,000,000                                         1.00%
           $5,000,001-$10,000,000                                     0.85%
          $10,000,001-$15,000,000                                     0.75%
              Above $15,000,000                                       0.65%

 These fees are negotiable depending upon the needs of the client and complexity of the
 situation, and the final fee schedule is included on the Investment Advisory Contract.
 Depending on the client contract, fees are paid monthly, quarterly or annually in arrears.
 Clients may terminate their contracts with thirty days’ written notice. Because fees are
 charged in arrears, no refund policy is necessary. Clients may terminate their accounts
 without penalty within 5 business days of signing the advisory contract. Advisory fees are
 withdrawn directly from the client’s accounts with client written authorization. Lower fees
 for comparable services may be available from other sources. For accounts opened or closed
 mid-billing period, fees will be prorated based on the days services are provided during the
 given period. All unpaid earned fees will be due to NRI
 ERISA PLAN SERVICES
 The minimum annual fee of $2,500 or 1% of assets under management for all new clients.
 These fees are negotiable depending upon the needs of the client and complexity of the
 situation, and the final fee schedule is included on the Investment Advisory Contract. Fees
 may be charged quarterly or monthly in arrears or in advance based on the assets as
 calculated by the custodian or record keeper of the Included Assets (without adjustments
 for anticipated withdrawals by Plan participants or other anticipated or scheduled transfers
 or distribution of assets). If the services to be provided start any time other than the first day
 of a quarter or month, the fee will be prorated based on the number of days remaining in the
 quarter or month. If this Agreement is terminated prior to the end of the billing cycle, NRI
 shall be entitled to a prorated fee based on the number of days during the fee period services
 were provided or Client will be due a prorated refund of fees for days services were not
 provided in the billing cycle.
 The fee schedule, which includes compensation of NRI for the services is described in detail
 in Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees, however
 the Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or have fees
 deducted from Plan Assets. NRI does not reasonably expect to receive any additional
 compensation, directly or indirectly, for its services under this Agreement. If additional
 compensation is received, NRI will disclose this compensation, the services rendered, and
 the payer of compensation. NRI will offset the compensation against the fees agreed upon
 under the Agreement.

 FINANCIAL PLANNING AND CONSULTING
 NRI charges an hourly fee based on complexity and unique Client needs for financial
 planning. Prior to the planning process the Client will be provided an estimated plan fee.
 Services are completed and delivered inside of ninety (90) days contingent upon timely

 delivery of all required documentation. Client may cancel within five (5) business days of
 signing Agreement with no obligation and without penalty. If the Client cancels after five
 (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned
 fees will be due to NRI. NRI reserves the right to waive the fee should the Client implement
 the plan through NRI.
        HOURLY FEES
        Financial Planning Services are offered based on an hourly fee between $350-$500.
 Fees for financial plans are:
        Due upon delivery of the completed plan.
Client Payment of Fees
 Fees for asset management services are deducted from a designated Client account to
 facilitate billing. The Client must consent in advance to direct debiting of their investment
 account.
 Hourly financial planning fees are paid via check or other online payment methods, in
 arrears, upon completion of the plan. Because fees are charged in arrears, no refund is
 necessary.
Additional Client Fees Charged
 Custodians may charge transaction fees and other related costs on the purchases or sales of
 mutual funds, equities, bonds and exchange-traded funds. Mutual funds, money market
 funds and exchange-traded funds also charge internal management fees, which are disclosed
 in the fund’s prospectus. NRI does not receive any compensation from these fees. All of these
 fees are in addition to the management fee you pay to NRI. For more details on the brokerage
 practices, see Item 12 of this brochure.
Prepayment of Client Fees
 NRI collects its fees in arrears. Fees for 3(38) services may be billed in advance.
 If the Client cancels after five (5) business days, any unearned fees will be refunded to the
 Client, or any unpaid earned fees will be due to NRI.
External Compensation for the Sale of Securities to Clients
 Investment Advisor Representatives of NRI receive external compensation from sales of
 investment related products such as insurance as licensed insurance agents. This represents
 a conflict of interest because it gives an incentive to recommend products based on the
 commission received. This conflict is mitigated by disclosures, procedures, and NRI’s
 fiduciary obligation to place the best interest of the Client first and Clients are not required
 to purchase any products or services. Clients have the option to purchase these products
 through another insurance agent of their choosing.

Item 7: Types of Clients
Description
 NRI generally provides investment advice and/or management supervisory services to
 individual and high net worth individuals. Client relationships vary in scope and length of
 service.
Account Minimums
 NRI requires a minimum of $250,000 to open an account. In certain instances, the minimum
 account size may be lowered or waived.