Onyx Financial Advisors LLC

Item 5        Fees and Compensation

A        Description

We base our fees on a percentage of assets under management and fixed fees.

Wealth Management Fees
The annual Wealth Management fee is based on a percentage of the investable assets
according to the following schedule:

              1.00% per year on the first $1,000,000;
              0.50% on the assets above $1,000,000.

                            ONYX FINANCIAL ADVISORS, LLC
                                        Form ADV Part 2A

The minimum annual wealth management fee is $5,000.

In our sole discretion, we may charge a lesser wealth management fee, waive or reduce
our fee minimum, and/or charge a flat fee 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, prior fee schedules, 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: Onyx’s
Chief Compliance Officer, Lyndsay Goody, remains available to address any questions
that a client or prospective client may have regarding advisory fees.

Financial Planning Fees
Financial planning services are available on a standalone basis for clients who need
advice on a limited scope of work. Standalone Financial Plans are priced according to
the degree of complexity associated with the client’s situation.

The fee for a Financial Plan is predicated upon the facts known at the start of the
engagement. The minimum fee is usually between $1,000 to $5,000. Since financial
planning is a discovery process, situations occur wherein the client is unaware of certain
financial exposures or predicaments.

In the event that the client’s situation is substantially different than disclosed at the initial
meeting, a revised financial planning fee will be provided for mutual agreement. The
client must approve the change of scope in advance of the additional work being
performed when a financial planning fee increase is necessary.

In certain circumstances, financial planning fees may be negotiable.

Investment Management Fees for Trustee-Directed ERISA Plans
The annual Investment Management fee for ERISA plans is based on a percentage of
the investable assets according to the following schedule:

              1.00% per year on the first $1,000,000;
              0.50% on the assets above $1,000,000.

The minimum annual fee is $2,500. In certain circumstances, investment management
fees may be negotiable.

Retirement Plan Services Fees for Participant-Directed ERISA Plans
The annual Retirement Plan Services fee for ERISA plans is based on a percentage of
the plan’s assets according to the following schedule:

              0.50% per year on the first $5,000,000;
              0.25% on the assets above $5,000,000.

                          ONYX FINANCIAL ADVISORS, LLC
                                     Form ADV Part 2A

The minimum annual retirement plan services fee is $2,500. In certain circumstances,
the fee may be negotiable.

B      Fee Billing
Investment management fees are billed quarterly, in arrears, meaning that we invoice
the client after the three-month billing period has ended. Fees for initial periods are
prorated for the number of days in the billing period from the commencement of the
engagement. Fees are calculated based on the market value of the assets under our
management or advisement on the last business day of the fee quarter, adjusted on a
prorated basis for any account deposits or withdrawals made during the fee quarter.
Payment in full is expected upon invoice presentation. Fees are usually deducted from a
designated client account to facilitate billing. The client must consent in advance to
direct debiting of their investment account. Payment of fees may result in the liquidation
of client’s securities if there is insufficient cash in the account.

Fees for financial plans are billed monthly as work is performed and usually requires a
deposit.

C      Other Fees
Custodians may charge transaction fees on purchases or sales of certain stocks, bonds,
mutual funds and exchange-traded funds. Please refer to the custodian pricing sheet for
details regarding a custodian’s current transaction fee and commission schedule. See
also Item 12 below for further information on brokerage practices. These transaction
charges are usually small and incidental to the purchase or sale of a security. We
believe that selection of the security is generally more important than the nominal fee
that the custodian charges to buy or sell the security.

We, in our sole discretion, may waive our minimum fee and/or charge a lesser
investment advisory fee based upon certain criteria (e.g., historical relationship, type of
assets, anticipated future earning capacity, anticipated future additional assets, dollar
amounts of assets to be managed, related accounts, account composition, negotiations
with clients, etc.).

Expense Ratios
Pooled investment vehicles like mutual funds and exchange-traded funds generally
incur costs for the management and administration of the fund. This cost is called an
expense ratio and is charged to the fund itself. For example, an expense ratio of 0.25
means that a fund pays 0.25% per year for its investment management and certain
administrative services. Because expense ratios are charged to the fund, these costs
are indirectly borne by clients in the form of reduced fund performance. Costs
associated with fund expense ratios are in addition to the fees paid by the client to us.

Performance figures quoted by mutual fund companies in various publications are after
their fees have been deducted.

                          ONYX FINANCIAL ADVISORS, LLC
                                     Form ADV Part 2A
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Item 7        Types of Clients

Description
We generally provide investment advisory services to individuals, high net worth
individuals, trusts, estates, pension and profit sharing plans, corporations and other
business entities, and charitable organizations.

                            ONYX FINANCIAL ADVISORS, LLC
                                       Form ADV Part 2A

Client relationships vary in scope and length of service.

Account Minimums
For Wealth Management clients, the minimum account size is $500,000 of assets under
management, which equates to an annual fee of $5,000. For ERISA plan engagements
(whether trustee- or participant-directed), the minimum annual fee is $2,500.

In our sole discretion, we may charge a lesser wealth management fee, waive or reduce
our fee minimum, and/or charge a flat fee 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, prior fee schedules, 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: Onyx’s
Chief Compliance Officer, Lyndsay Goody, remains available to address any questions
that a client or prospective client may have regarding advisory fees.

If you maintain assets under Onyx’s management below certain thresholds, and are
subject to Onyx’s annual minimum fee, you will pay a higher percentage fee than
referenced in the fee schedule listed in Item 5. For example, a client subject to Onyx’s
$5,000 minimum annual fee who maintains less than $500,000 in assets under Onyx’s
management will pay a fee higher percentage fee than referenced in the fee schedule
listed in Item 5 above.