Pure Financial Advisors LLC

Item 5 Fees and Compensation

 Fees and Expenses
 We charge fees for advisory services, including financial planning and asset management. We offer a
 complimentary, no obligation limited engagement financial planning service known as a “Financial
 Assessment”.

 Our comprehensive financial planning engagement fees, such as the “Foundation Financial Plan” are
 calculated on a flat fee basis and quoted in advance. If client engages PURE in the Foundation
 Financial Plan and PURE is also managing the client’s assets, continuous financial planning and
 plan implementation services are included in the asset management fee.

 Asset management fees are based on the ending quarterly gross value of the asset accounts managed
 by us.

 PURE believes its advisory fees are reasonable in relation to the services provided. Clients should
 review custodial account statements to verify that advisory fees have been properly deducted. The
 qualified custodian does not verify the accuracy of advisory fees deducted.

 Financial Planning Fees
 Our financial planning fees are based on the level of the services provided and the complexity of
 each client’s circumstances, typically ranging from $1,000.00 to over $5,000.00. The negotiated fees
 may vary higher or lower depending on the scope and complexity of the plan to be prepared. All
 financial planning fees are agreed upon prior to entering into a contract with the client.

 All financial planning services agreements can be terminated with written notice within five (5) days of
 signing, in which case a full refund will be provided. If termination occurs after five (5) days, the client
 will receive a prorated refund of fees paid, calculated at $275.00 per hour for actual planning time spent
 through the effective date of termination. Advance payment will never exceed $1,200.00 for work that
 will not be completed within six months.

 Continuous Financial Planning and Plan Implementation
 When we implement and maintain a Foundation Financial Plan and manage assets in accordance with
 that Foundation Financial Plan, the asset management fee includes continuous financial planning and
 plan implementation advisory services. In most cases, a Foundation Financial Plan is required as a
 prerequisite to this service; however, we may waive this requirement in our discretion on a case-by-
 case basis. Examples may include related household relationships, or other circumstances we
 determine are appropriate.

 Fees for Portfolio Management
 Our asset management fees for portfolio management services are based upon a percentage of assets
 under management and generally range from 0.50% to 1.60% annually under a progressive fee
 schedule, which generally results in a blended effective rate, based on the total gross value of the
 client’s managed accounts at the end of each quarter. Fees are deducted quarterly in advance at the
 beginning of each calendar quarter from client investment accounts. For client relationships exceeding
 $10 million, advisory fees are negotiable.

 Billable account values are calculated as of the close of business on the last business day of the prior
 calendar quarter. For the initial partial quarter, asset management fees on capital inflows and outflows
 exceeding $100.00 will be prorated and applied to on the next quarterly billing cycle. Similarly, any

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 future capital inflows and outflows exceeding $100.00 will be prorated and increase or reduce fees due
 on the next quarterly billing.

 The annualized fee for portfolio management services will be charged as a percentage of assets under
 management, according to the following schedule:

 Fee Schedule

                     Assets Under Management                Progressive Annual Fee
                      $0                to     $350,000           1.60% annually

                      $350,001          to     $500,000           1.25% annually

                      $500,001          to     $750,000           1.00% annually

                      $750,001          to     $1,000,000         .90% annually

                      $1,000,001        to     $2,000,000         .85% annually

                      $2,000,001        to     $3,000,000         .80% annually

                      $3,000,001        to     $4,000,000         .75% annually

                      $4,000,001        to     $5,000,000         .70% annually

                      $5,000,001        to     $10,000,000        .50% annually

                      $10,000,001       to     and higher         Negotiable

 Example:
 If the value of the assets managed by Advisor is $1,500,000 at the end of each calendar quarter for a
 period of one year, then the Asset Management Fee will be equal to $350,000 @ 1.60%, plus $149,999
 @ 1.25%, plus $249,999 @ 1.00%, plus $249,999 @ 0.90%, plus $500,003 @ 0.85%. As such, the
 total Asset Management Fee would be approximately 1.10% on an annualized basis. In this example,
 the current Asset Management Fee of ~ 0.275% (1.10% divided by 4) would be billed each quarter.

 For relationships exceeding $10,000,001 in assets under management, advisory fees are negotiable
 based on relationship size, household aggregation, and service complexity, and are documented in the
 client’s advisory agreement.

 PURE generally calculates the management fee based on all assets in the investment account. In most
 cases, this includes cash balances invested in money market funds, short-term investment funds, ETFs,
 mutual funds, the entire market value of margined assets and short positions (if any), alternative
 investments (if any), and all other investment holdings. However, there may be exceptions depending
 on specific circumstances.

 Dependent upon the terms of the asset management agreement entered into between Pure and the
...

Item 7      Types of Clients

 PURE provides advisory services to the following types of clients:

         Individuals and High Net Worth Individuals
         Trusts, Estates or Charitable Organizations
         Pension and Profit-Sharing Plans (other than plan participants)
         Corporations, Limited Liability Companies and/or other Business Types

 PURE does not have a minimum asset requirement to become a client.