Outlook Wealth Advisors LLC

FEES AND COMPENSATION (Item 5)
Advisory Fees
OWA’s annual investment advisory fee for discretionary and/or nondiscretionary investment
advisory services is negotiable and does not exceed 1. 5% of the total assets placed under OWA’s
management/advisement. For accounts managed by AEWM, the annual investment advisory fee
will consist of an annual wrap fee which will include all transaction charges.

The fee is negotiable at OWA’s sole discretion, and not all Clients of OWA will be charged the
same fee or according to the same fee schedule. The fee will be calculated based upon a
percentage of the market value of the assets under OWA’s management as of the last business
day of the preceding quarter. Fees shall be billed quarterly, in advance, at the beginning of each
quarter, based upon the agreed annual percentage rate in the Client’s investment advisory
agreement. For purposes of determining the Client’s assets under management, any accounts
owned by members of Client’s household may, at the option of OWA, be aggregated.
Fees shall be based on the market value of the assets under management on the last business
day of the previous quarter (e.g., January through March billing statements are transmitted
approximately January 1 based on balance on December 31). The amount of the advisory fee
charged for the quarter in which the Account is established shall be in proportion to the number
of days remaining in the quarter and shall be based upon the average daily balance in the
Account(s) between the date of funding and the end of the quarter. Fees on amounts deposited
during a quarter will be assessed in arrears for the quarter in which the deposit was made. Credits
for withdrawals made during a quarter will be issued in the same manner.

Financial Planning Fees
For financial planning Clients, the financial plan is created and provided pursuant to a written
agreement, the basic terms of which are described below. Typically, we charge a flat fee from
$2550 to $5,000 or an hourly fee of ranging from $200-$400 per hour on the complexity of the
situation and planning. This rate may be negotiated at the sole discretion of OWA.

                                                                      Outlook Wealth Advisors, LLC

Upon the Client’s acceptance of the estimate for Financial Planning services, a fifty percent (50%)
deposit, based upon the estimate, is due to the Firm prior to commencing services. The remaining
balance of fees for financial planning services is paid upon completion and delivery of the financial
plan. Financial Plans are delivered within four (4) months of commencing services, unless
otherwise agreed to by both the Client and OWA. Upon delivery, we will provide a final fee invoice
that identifies the amount owing for our services, and the remaining balance due for services
after crediting the deposit. Invoices will be transmitted to Clients either in person, electronically,
or by mail, and are due upon receipt.

Fees paid to Third Party Advisors

If we retain a third-party manager, sub-adviser, or co-adviser (“Sub-Adviser”) to assist in the
management of your account(s), we will pay the management fees of the Sub-Adviser and you
will incur no additional fees, except as provided herein. Sub-Adviser fees are fully described in
the Sub-Adviser’s Form ADV 2A, management agreement, fee schedule, and other relevant
disclosures. Sub-Adviser fees are typically paid quarterly in advance. Sub-Advisers generally have
account minimum requirements that will vary. Account minimums are generally higher on fixed
income accounts than for equity-based accounts.

Generally speaking, the use of Sub-Advisers causes OWA to incur expenses it would not otherwise
incur if the Client’s account was managed directly by OWA. If the costs of directly providing such
management were not considered, this could incentivize OWA not to retain Sub-Advisers, which
would create a conflict of interest. However, OWA considers the totality of services provided by
Sub-Advisers and the total costs to the Client in deciding whether to retain Sub-Advisers.

We have a financial incentive to manage clients’ accounts without AEWM, because we pay sub-
advisers and platform providers out of our annual Advisory Fee. Therefore, if two clients are
charged the same Advisory Fee but one client’s account is managed by a sub-adviser or through
a platform provider to whom we pay different fees, we receive higher “Net Compensation” for
the account that we pay less to a third-party for.

Similarly, as between two accounts with the same Advisory Fee, an account that is managed by a
sub-adviser who charges a 0.3% sub-adviser fee yields us higher Net Compensation than an
account whose sub-adviser charges a fee of 0.4%. In these examples, the term “Net
Compensation” means the total Advisory Fee less any applicable sub-adviser or platform provider
fee. For accounts managed without use of a sub-adviser, the Net Compensation is equal to the
Advisory Fee. However, even in accounts managed directly by OWA, our Advisory Fee and thus
Net Compensation can vary depending on the strategy used and other factors as further
explained below.

In setting Advisory Fees, we consider the additional costs of managing the two different types of
accounts: sub-advised or non-sub-advised. These costs vary over time and are rarely equal. These
costs include the costs of personnel, some of which may be allocated to one type of management
versus the other. Some costs to us are attributable only to sub-advised accounts and not to
directly managed accounts, while other costs are attributable only to directly managed accounts
and not to sub-advised accounts. In setting Advisory Fees, we also consider client-specific factors,
such as the client’s age, investment experience, accessibility and responsiveness, and similar

                                                                      Outlook Wealth Advisors, LLC
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TYPES OF CLIENTS (Item 7)
OWA’s Clients shall generally include individuals, families, business entities, trusts, estates, and
charitable organizations. OWA does recognize that certain portfolios used by third-party money
managers do have certain minimums for opening and maintaining accounts. The Client will be
given said information if applicable to the advisory services utilized by OWA.
OWA requires each Client to place at least $250,000 with the Firm or an affiliate of the Firm. This
minimum may be waived at the sole discretion of OWA.

METHODS OF ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS (Item 8)
Investment Strategies
OWA does not provide direct asset management services. However, in the selection of other
asset managers for Clients, OWA utilizes numerous investment strategies to implement any
investment advice given to Clients. These strategies may include Long Term purchases (securities
held at least a year), Short Term purchases (securities sold within a year), Trading (securities sold
within 30 days), and Option Writing (including covered options, uncovered options or spreading
strategies). Investments are made in equities, exchange-traded funds (“ETFs”), and pooled
investment funds such as mutual funds or derivatives of any of the foregoing. The frequent

                                                                    Outlook Wealth Advisors, LLC

trading of securities may have a positive or negative impact on investment performance.
Performance from active trading can be lowered due to an increase in brokerage and other
transaction costs.

Fundamental – This is a method of evaluating a security by attempting to measure its intrinsic
value by examining related economic, financial, and other qualitative and quantitative factors.
Fundamental analysts attempt to study everything that can affect the security's value, including
macroeconomic factors (like the overall economy and industry conditions) and individually
specific factors (like the financial condition and management of a company). The end goal of
performing fundamental analysis is to produce a value that an investor can compare with the
security's current price in hopes of figuring out what sort of position to take with that security
(underpriced = buy, overpriced = sell or short). Fundamental analysis is considered to be the
opposite of technical analysis. Fundamental analysis is about using real data to evaluate a
security's value. Although most analysts use fundamental analysis to value stocks, this method of
valuation can be used for just about any type of security.

The risk associated with fundamental analysis is that it is somewhat subjective. While a
quantitative approach is possible, fundamental analysis usually entails a qualitative assessment
of how market forces interact with one another in their impact on the investment in question. It
is possible for those market forces to point in different directions, thus necessitating an
interpretation of which forces will be dominant. This interpretation may be wrong and could
therefore lead to an unfavorable investment decision.

Cyclical – This method analyzes the investments sensitive to business cycles and whose
performance is strongly tied to the overall economy. For example, cyclical companies tend to
make products or provide services that are in lower demand during downturns in the economy
and in higher demand during upswings. Examples include the automobile, steel, and housing
industries. The stock price of a cyclical company will often rise just before an economic upturn
begins and fall just before a downturn begins. Investors in cyclical stocks try to make the largest
gains by buying the stock at the bottom of a business cycle, just before a turnaround begins.

While most economists and investors agree that there are cycles in the economy that need to be
respected, the duration of such cycles is generally unknown. An investment decision to buy at
the bottom of a business cycle may actually turn out to be a trade that occurs before or after the
bottom of the cycle. If done before the bottom, then downside price action can result prior to
any gains. If done after the bottom, then some upside price action may be missed. Similarly, a
sell decision meant to occur at the top of a cycle may result in missed opportunity or unrealized
losses.

Risk of Loss
Past performance is not indicative of future results. Therefore, you should never assume that
future performance of any specific investment or investment strategy will be profitable. Investing
in securities (including stocks, mutual funds, and bonds, etc.) involves risk of loss. Further,
depending on the different types of investments there may be varying degrees of risk. You should
be prepared to bear investment loss including loss of original principal.

Because of the inherent risk of loss associated with investing, OWA is unable to represent,

                                                                      Outlook Wealth Advisors, LLC

guarantee, or even imply that our services and methods of analysis can or will predict future
results, successfully identify market tops or bottoms, or insulate you from losses due to market
corrections or declines. There are certain additional risks associated with investing in securities
through our investment management program, as described below.

There are always risks to investing. Clients should be aware that all investments carry various
types of risk including the potential loss of principal that Clients should be prepared to bear. It is
impossible to name all possible types of risks. Among the risks are the following:

   •   Political Risks. Most investments have a global component, even domestic stocks. Political
       events anywhere in the world may have unforeseen consequences to markets around the
       world.

   •   General Market Risks. Markets can, as a whole, go up or down on various news releases
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