Presper Financial Architects LLC

Item 5: Fees and Compensation

       A.        Fees Charged

       All asset management clients will be required to execute an Investment Management Agreement that
       will describe the type of management services to be provided and the fees, among other items. Clients
       are advised that they may pay fees that are higher or lower than fees, they may pay another advisor for
       the same services and may in fact pay lower fees for comparable services from other sources. Clients
       are under no obligation at any time to engage, or to continue to engage, PFA for investment services.

       Financial Planning

Clients engaging the Firm for financial planning services may do so on an hourly or fixed fee basis.
The hourly rate ranges from $150 to $350 per hour. Fixed fees range from $1000 to $2500 per plan.
However, these fees are just guidelines, subject to change according to the complexity of the plan and
the specific client’s circumstances, because some clients have more challenging issues than others.
These complexities may not necessarily correlate with greater net worth. At the discretion of PFA,
financial planning fees received may or may not be credited towards a client’s asset management fees
incurred during the first year of the client engagement.

Asset Management

PFA provides investment management services for an annual fee based upon a percentage of the assets
being managed by PFA. This asset-based fee typically varies between 1.00% and 0.10% depending on
the amount of assets under management. Wrap accounts are subject to the same fee schedule
as non-wrap accounts as described in the PFA Wrap Brochure. PFA’s tiered fee schedule is as follows:

        PORTFOLIO VALUE                                   BASE FEE

        Up to $2,000,000                                  1.0%
        Between $2,000,001 - $3,999,999                   0.7%
        Between $4,000,000 - $9,999,999                   0.35%
        Over $10,000,000                                  0.1%

For example, a client with $10 million under PFA’s management would pay 1.00% per year on the
first $2,000,000 under management ($20,000), 0.7% per year for the amounts between $2,000,001 and
$3,999,999 ($14,000), 0.35% per year for the amounts between $4,000,000 and $9,999,999 ($21,000),
for a total of $55,000 (or a blended rate of 0.55%) per year.

Fees are negotiable, and may be higher or lower than this range, based on the nature of the account.
Factors affecting fee percentages include the size of the account, complexity of asset structures, and
other factors. All clients, but especially those with smaller accounts, should be advised they may
receive similar services from other professionals for higher or lower overall costs.

Financial Consulting

Financial consulting is done on an hourly fee basis. Hourly fees will be between $150 and $350 per
hour. The fee range stated is a guide. Fees may be higher or lower than this range, based on the nature
of the engagement. Fees are negotiable and will depend on the anticipated complexity of the project.

B.      Fee Payment

Financial Planning & Financial Consulting:

Financial Life Planning and Financial Consulting fees will be due upon receipt of invoice from PFA.
In many cases, clients will be asked to put forth a retainer at the onset of the engagement which may
be up to 50% of the expected final cost.

Asset Management:

For clients whose assets are managed by the firm, investment advisory fees will be debited directly
from each client’s account. The advisory fee is paid quarterly, in advance, based upon the market

value of the assets being managed by PFA on the last day of the previous billing period as valued by
the custodian of your assets. For example, if your annual fee is 1.00%, each quarter we will multiply
the value of your account on the last day of the previous billing period by 1.00%, then divide by four
to calculate our fee. To the extent there is cash in your account, it will be included in the value for the
purpose of calculating fees. Once the calculation is made, we will instruct your account custodian to
deduct the fee from your account and remit it to PFA. While almost all of our clients choose to have
their fee debited from their account, we will invoice clients upon request.

For the initial quarter, the fee is calculated on a pro rata basis, meaning clients will pay a fee based on
the number of days left in the quarter in which they engage the Firm. In the event the advisory
agreement is terminated, the fee for the final billing period is prorated through the effective date of the
termination and the outstanding or unearned portion of the fee is charged or refunded to the client, as
appropriate.

Clients whose fees are directly debited will provide written authorization to debit advisory fees from
their accounts held by a qualified custodian. Each month, clients will receive a statement from their
account custodian showing all transactions in their account, including the fee. Fees are calculated by
PFA and not independently calculated by the custodian. Clients should carefully review their
statements, including the fee amounts, and let the Firm know of any questions.

American Funds

For client whose accounts are held directly at American Funds, fees will be debited directly from each
client’s account by the American Funds Service Company. The fee is paid quarterly, in arrears, at the
end of the last business day of February, May, August, and November. The fee shall be calculated by
multiplying the average daily net asset value of client assets during the quarter by client’s annual fee
rate, then dividing by the number of days in the year and multiplying that number by days in that
quarter. Accounts are not eligible for billing breakpoints through household eligibility that is available
with other accounts. There are no trading fees to buy or sell F-2 shares in these accounts. American
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Item 7:       Types of Clients

      Clients advised may include individuals, families, trusts, charitable organizations and foundations,
      pensions, and corporations. PFA requires each client to place at least $500,000 with the firm. This
      minimum may be waived at the discretion of PFA.