Personal CFO Solutions LLC

Item 5: Fees and Compensation
    A. The Firm’s Fees and Compensation for Services
    Personal CFO’s compensation differs based upon the services that it provides to a client.

        1. Financial Planning and Consulting

        Personal CFO will charge a fixed or hourly fee for this service, which will range from $1,000 to $20,000
        on a fixed fee basis. This fee is negotiable. This fee is billed six months in arrears, but Personal CFO
        will bill up to twelve months in advance, upon a client’s request.

        If a client engages Personal CFO to provide portfolio management services, Personal CFO, in its sole
        discretion, may determine to offset all or any portion of its fees for its portfolio management services
        based upon the amount paid for the financial planning and consulting services. Clients who utilize
        Personal CFO for portfolio management services as well as financial planning services; may be credited
        in the form of a reduced planning fee. This offset is at the sole discretion of Personal CFO. In addition,
        Personal CFO, in its sole discretion, may charge a different financial planning and consulting fee based
        upon certain criteria (e.g., anticipated future earning capacity, anticipated future additional assets, dollar
        amount of assets to be managed, related accounts, type of services required, account composition,
        negotiations with client, etc.).

        2. Discretionary Portfolio Management Services.

        Discretionary
        The annual fee for discretionary portfolio management services will be charged as a percentage of
        assets under management, which is .5%, .75%, or 1% of assets under Personal CFO’s management.
        This fee is negotiable. Personal CFO’s discretionary portfolio management service fees are deducted
        from the client’s account by the client’s account custodian. These fees are deducted quarterly in arrears.

        The annual fee for investment assets allocated on a discretionary basis to independent investment
        manager programs offered through one or more independent managers (the “Independent Manager”)
        shall be based on the fees as agreed to with the clients and set forth in agreement(s). Certain Independent
        Manager(s) may charge their fee in advance. Please review the Independent Manager Advisory
        Agreement thoroughly. All other clients will be invoiced in arrears at the end of each calendar quarter
        based upon the average daily market value of the assets in the client’s account during the quarter. This
        fee is not negotiable.

        With respect to a client with multiple accounts, Personal CFO, in its sole discretion, may combine the
        amount of assets in more than one account in determining the fee to be charged to that client for services
        on the client’s total amount of assets. In addition, Personal CFO, in its sole discretion, may charge a
        different management fee based upon certain criteria (e.g., anticipated future earning capacity,
        anticipated future additional assets, dollar amount of assets to be managed, related accounts, type of
        services required, account composition, negotiations with client, etc.).

        For the initial quarter of portfolio management services, the first quarter’s fees shall be calculated on a
        pro-rata basis. In the event of a termination of Personal CFO’s services, Personal CFO’s annual fee

Personal CFO Solutions, LLC                                                                 IARD/CRD Number 158248

        shall be prorated through the date of termination and any remaining balance shall be charged or
        refunded to the client, as appropriate, in a timely manner or in accordance with the terms of Personal
        CFO’s Investment Advisory Agreement (if set forth therein).

        3. Pension Consulting Services

        This service is offered ancillary to the Firm’s discretionary portfolio management service, and Personal
        CFO does not receive additional compensation beyond that charged for its Personal CFO Managed
        Portfolios.

        4. Compensation for the Sale of Insurance Products and Annuities

        John Vieira as a registered representative of Purshe Kaplan Sterling Investments receives compensation
        from the sale of variable insurance products. John Vieira, in his individual capacity as a registered
        representative of Purshe Kaplan Sterling Investments, may also receive a portion of the 12b-1 mutual
        fund distribution fees paid by the mutual fund sponsor for as long as the client maintains the mutual
        fund investment. These 12b-1 fees are in addition to the Firm’s annual advisory fee. In addition, John
        Vieira, Bryan Landadio, Benjamin Ostrove, Michael Kirkland, Maryanne Mitchell, Kristin Sanguino,
        John Higgins, and Carli Piccolella are licensed insurance agents, in which capacities each of them
        receive compensation from the sale of insurance products.

        The activities of Mr. Vieira, Mr. Landadio, Mr. Ostrove, Mr. Kirkland, Ms. Mitchell, Ms. Sanguino,
        Mr. Higgins, and Ms. Piccolella as insurance product agents and Mr. Vieira’s activities as a registered
        representative represent a conflict of interest. They each have an incentive to recommend to a client
        that the client purchase insurance products (and in the case of Mr. Vieira, variable insurance products)
        based on their ability to receive compensation from any such purchases, rather than based on a clients’
        needs. In an effort to address this conflict, it is firm policy that any such transactions are on terms that
        are acceptable for the industry and that those transactions must be suitable for the client’s needs. No
        client is required to purchase such products through any of the firm’s associated persons, and each
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Item 7: Types of Clients
    A. The Firm’s Clients
    The firm’s client base is comprised of individuals, high net worth individuals, pension and profit sharing
    plans, trusts, estates, corporations and other businesses.

Personal CFO Solutions, LLC                                                               IARD/CRD Number 158248

    B. Requirements for Opening or Maintaining an Account

        1. Minimum Account Size or Annual Fee.

    Although Personal CFO does not impose a minimum account size or minimum annual fee, certain
    Independent Managers may impose more restrictive portfolio or account requirements and may have billing
    practices that vary from those imposed or utilized by Personal CFO. In such instances, Personal CFO may
    alter its corresponding account requirements and/or billing practices to accommodate those of such
    Independent Managers.