Para Wealth Advisors Inc

ITEM 5 – FEES AND COMPENSATION

A   Para Wealth Advisors charges annual fees for managing Clients’ portfolios. The fees charged
    generally vary between 0.50% and 2% of assets under management. The exact fee is based
    upon the client relationship, the amount of assets under management, and the specific needs
    of the client; however, fees may be negotiable. Para Wealth Advisors has an account balance
    minimum of $500,000. We will make exceptions to this minimum under certain
    circumstances.
    Financial planning services are billed by the hour with an estimated cost for completing the
    agreed upon scope of work will be provided to the client in advance at a rate of $450 per hour.
B   We bill Client quarterly fees in arrears. Fees are paid directly to us from the account by the
    custodian upon our submission of fee information. Payment of fees may result in the
    liquidation of Client’s securities if there is insufficient cash in the account. The fee is based
    on the closing market value of the Client’s account on the last trading day of the prior quarter.
    Market value means the value of all assets in the account. To determine value, securities and
    other instruments traded on a market for which actual transaction prices are publicly reported
    shall be valued at the last reported sale price on the principal market in which they are traded
    (or, if there shall be no sales on such date, then at the mean between the closing bid and asked
    prices on such date). Other readily marketable securities and other instruments shall be priced
    using a pricing service or through quotations from one or more dealers. In a situation where
    less actively traded securities do not have readily available market quotations, the Advisor will
    take steps to ensure that an appropriate valuation methodology is used to determine the value
    of the security. In the event the client disputes the value assessed by the Advisor, the Advisor
    will seek to obtain and document price information from at least one independent source,
    whether it be a broker-dealer, bank, pricing service or other source.
    For hourly and fixed fee projects, those projects are invoiced directly to the client.
C   Clients pay brokerage transaction costs and other charges directly to the custodian. See Item

ITEM 7 – TYPES OF CLIENTS

We provide investment advice to individuals, businesses, and trusts and estates. Because each Client
is unique, they must be willing to be involved in the planning and ongoing processes. Such
involvement does not have to be time consuming, however we want our Clients to remain informed
and have a sense of security about their investments. Para Wealth Advisors has an asset minimum of
$500,000 to open an account. We will make exceptions to this minimum under certain circumstances.