Point B Planning LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client shall sign one or more agreements that detail the responsibilities of AtwoB and the Client.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid monthly in arrears, at the end of each month, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are based on the aggregate of the average of the daily
closing values of the accounts during the month.

                                           Point B Planning, LLC d/b/a AtwoB
                                        23 Parkway, 2nd Floor, Katonah, NY 10536
                                                 Phone: (914) 302-3233
Page 6                                               www.atwob.com

Fees are based on the following blended schedule:

                               Assets                       Annual Rate (%)
                    First $1,000,000                            1.00%
                    Next $1,000,001 to $3,000,000               0.85%
                    Next $3,000,001 and above                   0.65%

For Clients engaged in financial planning services, the Client will be charged a reduced investment advisory fee for
investment management services based on the aggregate of the average of the daily closing values of the accounts
during the month. Fees are based on the following blended schedule:

                               Assets                       Annual Rate (%)
                    First $1,000,000                            0.85%
                    Next $1,000,001 to $3,000,000               0.75%
                    Next $3,000,001 and above                   0.60%

The investment advisory fee in the first month of service is prorated from the inception date of the account[s] to
the end of the first month. The Client’s fees will take into consideration the aggregate assets under management
with Advisor. All securities held in accounts managed by AtwoB will be independently valued by the Custodian.
AtwoB will not have the authority or responsibility to value portfolio securities. The fees above reflect the current
fee schedule.

Existing Investment Management clients that have predated the implementation of AtwoB’s current fee schedule
may have a different fee schedule and may incur fees, in many cases, that are lower than those reflected in the
above fee schedule and/or may be subject to additional or differing terms.

AtwoB, in its sole discretion, may negotiate to charge a lesser management fee based on certain criteria
including, but not limited to the client’s future earning capacity, anticipated additional assets, and/or related
accounts.

Use of Independent Managers
Fees for Clients participating in managed accounts programs will include AtwoB’s investment advisory fee above
plus the Program Sponsor’s fee.

Financial Planning Services
AtwoB offers financial planning services on an hourly basis at $200 per hour or on a fixed fee basis ranging from
$500 to $5,000, which may be negotiable depending on the nature and complexity of each Client’s circumstances.
For Clients that engage with the Advisor to provide financial planning services, the Advisor may waive any fees
related to the financial planning services if the Client engages the Advisor for investment management services in
implementation of the financial plan. As a part of the agreement, the Advisor may also be engaged for ongoing
planning support through a monthly fee. Annual fees for ongoing planning support are at a fixed annual rate ranging
from $900 to $5,000, which will be based on the complexity of the services, frequency of Client interactions and
other factors.

Clients who have engaged the Advisor for Investment management services may be charged a reduced fee, as low
as $75 a month, at the discretion of the Advisor. An estimate for total costs will be determined prior to engaging for
these services.

Retirement Plan Advisory Services
Retirement planning fees are paid quarterly, in advance or in arrears, in accordance the Record Keeper’s separate
agreement, of each calendar quarter, based upon the market value of the assets on the last day of the previous
quarter. Fees are based on the market value of assets as described in the following blended schedule:

                                            Point B Planning, LLC d/b/a AtwoB
                                         23 Parkway, 2nd Floor, Katonah, NY 10536
                                                  Phone: (914) 302-3233
Page 7                                                www.atwob.com

                               Assets                    Annual Rate
                    First $1,000,000                            0.60%
                    Next $1,000,001 to $2,500,000               0.50%
                    Next $2,500,001 to $5,000,000               0.40%
                    Next $5,000,001 to $10,000,000              0.35%
                    Next $10,000,001 and above                  0.25%

The Advisor will impose a minimum fee of $300 quarterly or the annual rate defined in the schedule above,
whichever is greater. All fees may be negotiated based on the specific situation of the plan and the asset levels and
expected growth in the assets. In some circumstances, Clients may be charged an additional fixed and/or hourly
rate (negotiated) for certain plan related project work.

B. Fee Billing
Investment Management Services
Investment advisory fees will be 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 respective month-end date. The annual rate is charged monthly, based upon the
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Item 7 – Types of Clients
AtwoB provides investment advisory services to individuals, high net worth individuals, Trusts, Estates, Plan
Sponsors, and charitable organizations. The amount of each type of Client is available on the Advisor's Form
ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. AtwoB
generally requires a minimum relationship size of $100,000 to effectively implement its investment process.