Nvest Financial LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the market value of assets under
management at the end of the prior calendar quarter. Investment advisory fees are based on the following schedule:

                                                Standard Fee Schedule
                                 Assets Under Management ($)        Annual Rate (%)
                                         First $500,000                 1.30%
                                    $500,001 to $1,000,000              1.00%
                                   $1,000,001 to $2,500,000             0.60%
                                   $2,500,001 to $5,000,000             0.40%
                                       Above $5,000,001                 0.30%

                                                        Nvest Financial, LLC
                                       2 International Drive, Suite 110, Portsmouth, NH 03801
                                              Phone: 207-985-8585 * Fax: 207-985-8595
                                                   https://www.planwithnvest.com/

                                   Fee Schedule for Non-Profit Organizations
                               Assets Under Management ($)        Annual Rate (%)
                                      First $2,500,000                0.65%
                                 $2,500,001 to $5,000,000             0.30%
                                     Above $5,000,001                 0.25%

                                      Fee Schedule for SIMPLE IRA Plans
                               Assets Under Management ($)      Annual Rate (%)
                                   Any and All Amounts               0.88%

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
Nvest will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Use of Independent Managers – As noted in Item 4, the Advisor may implement all or a portion of a Client’s
investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor
does not earn any compensation from an Independent Manager. The Advisor will only earn its wealth management
fee as described above. Independent Manager fees are separate and in addition to the Advisor’s wealth
management fees. Independent Managers typically do not offer any fee discounts but may have a breakpoint
schedule which will reduce the fee with an increased level of assets placed under management with an
Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure
brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s
fee and the Independent Manager’s fee, will not exceed 1.65% annually.

Contributions and Withdrawals – Clients may make additions to and withdrawals from their account(s) at any time,
subject to Nvest’s right to terminate an account. Additions may be in cash or securities provided that Nvest reserves
the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account(s).
Clients may withdraw account assets with prior written notice to Nvest, subject to the usual and customary securities
settlement procedures. However, Nvest designs its portfolios as long-term investments, and the withdrawal of assets
may impair the achievement of a Client’s investment objectives. Nvest may consult with its Clients about the options
and ramifications of transferring securities. However, Clients are advised that when transferred securities are
liquidated, they may be subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred
sales charge) and/or tax ramifications. The Advisor will adjust its fees for contributions or withdrawals if the assets
exceed $250,000 during the billing period.

The Advisor’s fee is exclusive of, and in addition to, brokerage commissions, transaction fees, and other related costs
and expenses, which may be incurred by the Client. However, the Advisor shall not receive any portion of these
commissions, fees, and costs.

Financial Planning Services
Nvest offers financial planning services either on an hourly basis or a fixed engagement fee. Hourly fees range from
$350 to $475 per hour. Fixed fees range from $1,750 to $15,000. Fees may be negotiable based on the nature and
complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total hours
and/or total costs will be provided to the Client prior to engaging for these services.

Retirement Plan Consulting Services
Retirement plan advisory fees are charged an annual asset-based fee based on the following schedule:

                                                      Nvest Financial, LLC
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Item 7 – Types of Clients

Nvest offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses,
charitable organizations, and retirement plans. Nvest generally does not impose a minimum relationship size.

Nvest generally requires a minimum relationship size of $500,000 to effectively implement its investment process.