Pecusavvy 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
Wealth Management Services
Wealth management fees are paid in advance of each month, pursuant to the terms of the wealth management
agreement. Wealth management fees are based on the market value of assets under management at the end of the
prior month. Wealth management fees are based on the following schedule:

                               Assets Under Management ($)                  Annual Rate (%)
                                       Up to $500,000                           1.50%
                                   $500,001 to $2,000,000                       1.25%
                                  $2,000,001 to $5,000,000                      1.00%
                                 $5,000,001 to $10,000,000                      0.75%
                                     Above $10,000,000                          0.50%

The wealth management fee in the first month of service is prorated from the inception date of the account[s] to the
end of the first month. 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
PF 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 investment advisory fee as described
above. The Advisor, in its discretion, may leverage model portfolios performed by Independent Managers which
assess fees ranging from 0.10% to 0.87% annually. In utilizing these model portfolios, the Advisor may be able to
access certain investments and asset classes that the Client would not be able to obtain directly or through other
sources. These portfolios are intended to assist the Advisor in effectively managing accounts for its Clients.

The Advisor will allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of
the executed agreement between the Advisor and the Independent Manager. The total blended fee, including the
Advisor’s fee and the Independent Manager’s fee, will not exceed 2.40% annually.

Retirement Plan Advisory Services
Retirement plan advisory fees are charged an annual asset-based fee of up to 0.20%. Fees may be billed monthly
or quarterly (“Billing Period”) in advance or arrears pursuant to the terms of the retirement plan advisory agreement.
Retirement plan fees are based on the market value of assets under management at the end of the Billing Period.
Fees may be negotiable depending on the size and complexity of the Plan but shall not exceed the fee range stated
above.

                                                 Pecusavvy Financial, LLC
                                            1214 Montana Ave, El Paso, TX 79902
                                Phone: (915) 944-1850 | Website: http://pecusavvyfinancial.com/

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor and deducted from the Client’s account[s] at the Custodian.
The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s
account[s] at the beginning of the respective month. The amount due is calculated by applying the monthly rate
(annual rate divided by 12) to the total assets under management with PF at the end of the prior month. Monthly
billing adjustments will be calculated to adjust for any deposits or withdrawals within a Client’s account[s] during the
month. The billing adjustment will be calculated based on the number of days each deposit or withdrawal was within
the account[s].

Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth
management fee. In addition, the Advisor will provide the Client a report itemizing the fee, including the calculation
period covered by the fee, the account value and the methodology used to calculate the fee. Clients are urged to also
review and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the
Custodian does not perform a verification of fees. Clients provide written authorization permitting wealth management
fees to be deducted by PF to be paid directly from their account[s] held by the Custodian as part of the wealth
management agreement and separate account forms provided by the Custodian.

Use of Independent Managers – For Client accounts implemented through an Independent Manager, the Client’s
overall fees may include PF’s wealth management fee (as noted above) plus investment management fees and/or
platform fees charged by the Independent Manager[s], as applicable. In certain instances, the Independent Manager
or the Advisor may assume responsibility for calculating the Client’s fees and deduct all fees from the Client’s
account[s].

Retirement Plan Advisory Services
Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan,
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Item 7 – Types of Clients

PF offers investment advisory services to individuals, high net worth individuals, and retirement plans. PF generally
does not impose a minimum relationship size.