Prospettiva Financial LLC

Item 5 - FEES AND COMPENSATION

We are required to describe our brokerage, custody, fees and fund expenses so you will know how
much you are charged and by whom for our advisory services provided to you.

A.   Description of how we are compensated for our advisory services provided to you.

     (i)      Wealth Management:

            The maximum annual fee charged for this service will not exceed 1.25%. Fees to be assessed
            will be outlined on Schedule A of the Wealth Management agreement to be signed by the
            Client. Annualized fees are billed on a pro-rata basis quarterly in advance based on the value
            of your account on the last day of the previous quarter. The first payment is due one month
            after execution of the Agreement and will be assessed pro-rata. Further, it is important to
            note that our firm will assess advisory fees on cash and cash equivalents held in clients’
            managed accounts. Fees are negotiable at our firm’s discretion and will be deducted from
            client account(s).

            You may make additions to the Account or withdrawals from the Account. Additional assets
            deposited into the Account after it is opened will be charged a pro-rata fee based upon the

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           number of days remaining in the calendar quarter. Additionally, partial withdrawals from the
           account will result in a prorated portion of the fee being credited to the Account. Fee
           adjustments for additions and withdrawals will be done at the end of the quarter and adjusted
           on the next quarterly invoice. No fee adjustments will be made for Account appreciation or
           depreciation.

           As part of this process, clients understand the following:

           a) The client’s independent custodian sends statements at least quarterly showing the
              market values for each security included in the Assets and all account disbursements,
              including the amount of the advisory fees paid to our firm;
           b) Clients will provide authorization permitting our firm to be directly paid by these terms.
              Our firm will send an invoice directly to the custodian; and
           c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
              information provided in our statement with those from the qualified custodian will be
              included.

           Fees charged for third party manager services shall be in addition to our advisory fees or
           included as part of the fee disclosed above. The third-party money managers we utilize will
           not directly charge you a higher fee than they would have charged without us selecting them
           on your behalf. Third party money managers establish and maintain their own separate billing
           processes over which we have no control. In general, they will directly bill you and describe
           how this works in their separate written disclosure documents or will be disclosed in the
           signed agreement with our firm.

           We may change the above fee schedule upon 30-days prior written notice to you.

    (ii)    Retirement Planning:

           Assets being monitored                              Annual Percentage of assets charge*:
           Any amount                                                      1.00%.

           *Our firm’s fees are billed on a pro-rata, annualized basis, quarterly in advance or based on
           the value of your account on the last day of the previous quarter.

           Additional information about the fee-paying arrangements for our retirement planning
           service will be detailed in the signed ERISA Plan Agreement. The advisory fees will be
           directly debited from the participants accounts.

    (iii) Financial Planning:

            We charge on a flat fee basis for financial planning services. The total estimated fee, as
            well as the ultimate fee that we charge you, is based on the scope and complexity of our
            engagement with you. Flat fees range from $10,000 to $20,000. We will review your
            situation and provide you a quote prior to any work being performed. We require a deposit
            of up to half of the quoted fee. If you do not participate in asset management services, the

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          balance of the fee is due in full upon presentation of the analysis or financial plan. It is
          important to note that we will not require a payment exceeding $1200 when financial
          planning services cannot be rendered within six months.

          Additionally, the client is under no obligation to act upon the investment advisor's
          recommendation and, if the client elects to act on any of the recommendations, the client
          is under no obligation to affect the transaction through the investment advisor.

B.   Description of any other types of fees or expenses clients may pay in connection with our
     advisory services, such as custodian fees or mutual fund expenses.

     Clients will incur transaction charges for trades executed by the custodian. These transaction
     fees are separate from our fees and will be disclosed by the firm that the trades are executed
     through. Schwab does not charge transaction fees for U.S. listed equites and exchange traded
     funds.

     Additionally, you may pay fees for custodial services, account maintenance fees, and other fees
     associated with maintaining the Account. Such fees are not charged by us and are charged by
     the product, broker/dealer or account custodian. We do not share in any portion of such fees.
...

Item 7 - TYPES OF CLIENTS

We have the following types of clients:
      • Individuals and High Net Worth Individuals;
      • Trusts, Estates or Charitable Organizations;
      • Pension and Profit-Sharing Plans;

Our requirements for opening and maintaining accounts or otherwise engaging us:
       • Written financial plans are typically charged a minimum fee of $10,000. However, our firm
           at its sole discretion may reduce the minimum fee for written financial plans.