Plum Street Advisors LLC

FEES AND COMPENSATION
Advisory Fees
   We earn fees and compensation by providing comprehensive financial planning advice, constructing portfolios,
   and advising clients regarding specific investment strategies. Our advisory fees for services are as follows:
   1. Combined Financial Planning and Portfolio Management Services
                            Portfolio Management Fee Schedule
                                      Market Value of
                                Assets Under Management              Annual Rate
                                     From:            To:
                                  $0          $1,000,000                0.90%
                              $1,000,001      $2,000,000                0.70%
                              $2,000,001      $5,000,000                0.50%
                              $5,000,001      $10,000,000               0.30%
                              $10,000,001 and above                     0.20%
                                            Fee Calculation Formula
            (Portfolio Value X Blended Rate) X (Number of Days in Quarter/Number of Days in Year)
                                      A sample fee calculation is as follows:
                                          Investments of $2,000,000
                                           First $1,000,000 @ 0.90%
                                           Next $1,000,000 @ 0.70%
                                           $2,000,000 X .008 X .247
                                             Quarterly Fee $3,952

PLUM STREET ADVISORS BROCHURE                                                                                     5

                                                                                               Plum Street Advisors, LLC
   We charge an annual asset-based fee for combined financial planning and portfolio management services. Our
   advisory fee assessments are based on the portfolio management fee schedule outlined above. Advisory fees
   for combined financial planning and portfolio management services are non-negotiable due to our fees being
   lower than most other firms offering comparable services.
   2. Retirement Plan Advisory Services
                      Retirement Plan Advisory Services Fee Schedule

                           Market Value of Plan Assets                        Annual Rate
                                Up to $100,000,000                     Up to 1.00% of Plan Assets

   Defined Benefit Plan Services. In accordance with the fee schedule above, our management fees for defined
   benefit advisory services are assessed at an annual rate of up to 1.00% of investable plan assets. Fees for
   services are based on the value of the assets under management (or advisement) and the level of complexity
   involved in managing the plan assets. Fee assessments for defined benefit advisory services may be allocated
   separately or collectively among the various services for the plan and participants. Fees for defined benefit plan
   services are negotiable. The final annual rate, as agreed upon, will be outlined in our plan advisory agreement.
   Defined Contribution Plan Services. Our consulting fees for advisory services to defined contribution plans are
   assessed at an annual rate of up to 1.00%, as outlined in the retirement plan advisory services fee schedule
   detailed above. Fees are based on the type of services requested by the plan sponsor, such as the frequency of
   consultations and the level of quantitative and qualitative details requested for the investment process
   overviews and analyses. Advisory fees may be allocated separately or collectively among the different plan
   advisory and general education services for participants. Fees for defined contribution plan services are
   negotiable. The final annual rate, as agreed upon, will be outlined in our plan advisory agreement.
   3. Separately Managed Portfolio Services
   Atom Investors LP
   The aggregate advisory fees for separately managed portfolio services through Atom Investors LP range up to
   1.90% per annum. The aggregate advisory fee includes fees payable to our firm and the third-party investment
   management platform. We will use our Portfolio Management Fee Schedule to assess fees for services.
   Advisory fees for the third-party investment management platform range from 0.30% to 1.0% of the account
   value managed by the third-party investment management platform. A minimum annual management fee of up
   to $2,500 may also apply.
   Dimensional Fund Advisors LP
   The aggregate advisory fees for separately managed account services through Dimensional range up to 0.90%
   annually. Dimensional charges advisory fees of up to 0.29% per account and will deduct its fee from the
   accounts. A minimum opening account size of $250,000 and an annual management fee of $250 may apply to
   separately managed account services through Dimensional.
   Nationwide® Monument Advisor Platform
   The aggregate advisory fees for separately managed portfolio services through the Nationwide® Monument
   Advisor Platform range up to 0.90% annually. We use our Portfolio Management Fee Schedule to assess fees
   for services. There are additional platform fees and expenses of up to 0.20% of the contract value in each
   account.
   More specific details are outlined in each third-party investment management platform’s Form CRS, Brochure,
   advisory fee schedule, management agreement, and/or other disclosure documents. Our advisory fees are
   separate from and in addition to the advisory fees and/or expenses payable to the third-party platform. Other
   than our advisory fees, we do not charge additional fees for recommending that clients use a third-party
   investment management platform. Our investment management agreement discloses an aggregate fee based
...

TYPES OF CLIENTS
   We generally provide investment advice to individuals, high net worth individuals, and charitable organizations.
   We do not impose a minimum portfolio/investment value. Nonetheless, third-party investment management
   platforms typically have minimum investment requirements that vary by program.
METHODS OF ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS
Methods of Analysis and Investment Strategies
   Our firm generally utilizes fundamental analysis methods to analyze investments. Our primary sources of
   information include, but are not limited to, research materials prepared by others, the inspection of corporate
   activities, financial newspapers and magazines, annual reports, prospectuses, and corporate press releases.
   The investment strategies recommended by our firm focus on strategic asset allocation. Our general
   recommendations consist of exchange-traded funds and mutual funds for long-term growth and income. Four
   key features highlight our investment strategies:
   Asset Allocation
   Asset allocation is the attempt to identify classes of securities that have distinct characteristics of risk and return.
   Examples of “asset classes” are U.S. large-company stocks, U.S. small-company stocks, value stocks, foreign
   stocks, and high-quality bonds. Plum Street Advisors’ goal is to combine these asset classes (and others) into a
   diversified portfolio that most efficiently maximizes return per unit of risk for clients. We generally utilize
   investments that accurately represent specific asset classes, such as low-cost index mutual funds, asset class
   mutual funds, and exchange-traded funds.
   Active Rebalancing
   We set target ratios for each position we hold in a client’s account. When positions deviate significantly from
   their target ratios, we will buy or sell investments to reallocate a portfolio to its target ratios. A client’s target
   ratios may also change over time as securities markets change or a client’s circumstances change. However, we
   do not engage in short-term market timing. If a client adds a significant amount of cash to a portfolio, we may
   invest the cash, if appropriate, over a period of months, using a strategy called “dollar-cost averaging.”
   Limiting Costs
   We believe that costs significantly impact investment returns, and we attempt to reduce the total costs of
   investing as much as possible. We generally utilize low-cost index mutual funds, asset class mutual funds, and
   exchange-traded funds with low internal expense ratios and low internal turnover rates. We do not use funds
   with internal sales charges, commissions, or “loads” such as 12b-1 fees or contingent deferred sales charges.
   Moreover, we do not engage in short-term trading.
   Active Tax Management
   We utilize several strategies to minimize taxes on investments. These strategies, among others, may include
   allocating investments for investors with high taxable incomes to tax-deferred accounts, using tax-exempt
   investments, realizing taxable losses, and utilizing funds with low turnover rates and small capital gains
   distributions. We also attempt to limit the turnover of investments in client portfolios to minimize the realization
   of taxable capital gains.
   A strategic asset allocation strategy involves the periodic and less frequent rebalancing of a somewhat set
   allocation of various asset classes to maintain a long-term goal for the asset allocation based on an investor’s
   risk tolerance, goals, and investment time frame. On the other hand, a tactical asset allocation strategy is an
   active management portfolio strategy that adjusts the percentage of various asset classes. The adjustment
   includes strategies to protect cash or cash equivalents in periods of heightened volatility to take advantage of
   market pricing anomalies or strong market sectors.
   While our investment strategies focus primarily on strategic asset allocation, we recommend and employ the
   methods and techniques that best meet our clients’ investment goals and objectives. It is important to note that
   because market conditions can vary greatly, asset allocation guidelines are not necessarily strict rules. Instead,
   we review accounts individually and may deviate from the guidelines as necessary or appropriate. The specific
   strategy or portfolios that we recommend will depend on market conditions and our research at the time of the
   recommendation.

PLUM STREET ADVISORS BROCHURE                                                                                          9

                                                                                              Plum Street Advisors, LLC
Material Risks of Methods of Analysis and Investment Strategies
   We utilize conventional analysis methods and investment strategies, and even so, some material risk remains.
   Performance and capital preservation are not guaranteed; continually changing market conditions create the
   necessity of periodically re-evaluating each position in the account portfolio. Mutual funds will be assessed
   regularly against other comparable funds. A pattern of poor performance by a mutual fund over time will result
   in the mutual fund being eliminated from our strategy. We anticipate investing primarily in low-cost index
   mutual funds, asset class mutual funds, passively and actively managed exchange-traded funds, and occasionally
   options.
   INVESTING IN SECURITIES INVOLVES A RISK OF LOSS THAT CLIENTS SHOULD BE PREPARED TO BEAR.
   Clients should know that all securities and investment strategies have various risks. While it is impossible to
   name all potential risks associated with our specific methods of analysis and investment strategies, some risks
   are as follows:
   • General Market Risk. Markets fluctuate, moving up or down based on news releases or, at times, for no
...