Rice Financial Consulting Inc

Item 5: Fees and Compensation

A. Fee Schedule

Selection of Other Advisers Fees

RFCI will be compensated via a fee share from the advisers to which it directs those
clients. This relationship will be memorialized in each contract between RFCI and each
third-party adviser. The fees shared will not exceed any limit imposed by any regulatory

      agency. The notice of termination requirement and payment of fees for third-party
      investment advisers will depend on the specific third-party adviser selected.

      RFCI may direct clients to Matson Money. The annual fee schedule is as follows:

Assets up to $1,000,000                      RFCI’s Fee   Third Party’s Fee   Total Fee
The first $500,000                           1.00%        up to 0.50%*        up to 1.50%*
The next $500,000                            1.00%        up to 0.50%*        up to 1.50%*
The next $3,000,000                          0.75%        up to 0.50%*        up to 1.25%*
The remainder over $4,000,000                0.50%        up to 0.50%*        up to 1.00%*

Assets $1,000,001 to $3,000,000              RFCI’s Fee   Third Party’s Fee   Total Fee
The first $500,000                           0.75%        up to 0.50%*        up to 1.25%*
The next $500,000                            0.75%        up to 0.50%*        up to 1.25%*
The next $3,000,000                          0.75%        up to 0.50%*        up to 1.25%*
The remainder over $4,000,000                0.75%        up to 0.50%*        up to 1.25%*

Assets $3,000,001 to $5,000,000              RFCI’s Fee   Third Party’s Fee   Total Fee
The first $500,000                           0.50%        up to 0.50%*        up to 1.00%*
The next $500,000                            0.50%        up to 0.50%*        up to 1.00%*
The next $3,000,000                          0.50%        up to 0.50%*        up to 1.00%*
The remainder over $4,000,000                0.50%        up to 0.50%*        up to 1.00%*

Assets $5,000,001 to $10,000,000             RFCI’s Fee   Third Party’s Fee   Total Fee
The first $500,000                           1.00%        up to 0.50%*        up to 1.50%*
The next $500,000                            0.50%        up to 0.50%*        up to 1.00%*
The next $3,000,000                          0.40%        up to 0.50%*        up to 0.90%*
The remainder over $4,000,000                0.25%        up to 0.50%*        up to 0.75%*

Assets $10,000,001 and Over                  RFCI’s Fee   Third Party’s Fee   Total Fee
The first $500,000                           0.50%        up to 0.50%*        up to 1.00%*
The next $500,000                            0.50%        up to 0.50%*        up to 1.00%*
The next $3,000,000                          0.50%        up to 0.50%*        up to 1.00%*
The remainder over $4,000,000                0.10%        up to 0.50%*        up to 0.60%*

      *contingent on the asset mix determined the Third Party. Final fee schedule will be
      reflected in the client contract.

      RFCI’s fees are negotiable.

       B. Payment of Fees

       Payment of Selection of Other Advisers Fees

       Fees for selection of Matson Money as third-party adviser are withdrawn directly from
       the client's accounts with client's written authorization. Fees are paid daily at fund level.

       C. Client Responsibility For Third Party Fees

       Clients are responsible for the payment of all third party fees (i.e. custodian fees,
       brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
       distinct from the fees and expenses charged by RFCI. Please see Item 12 of this brochure
       regarding broker-dealer/custodian.

       D. Prepayment of Fees

       RFCI collects fees in advance. Refunds for fees paid in advance will be returned within
       fourteen days to the client via check, or return deposit back into the client’s account.

       For all asset-based fees paid in advance, the fee refunded will be the balance of the fees
       collected in advance minus the daily rate* times the number of days in the billing period
       up to and including the day of termination. (*The daily rate is calculated by dividing the
       annual asset-based fee rate by 365.)

       E. Outside Compensation For the Sale of Securities to Clients

       Neither RFCI nor its supervised persons accept any compensation for the sale of securities
       or other investment products, including asset-based sales charges or service fees from the
       sale of mutual funds.

Item 7: Types of Clients

RFCI generally provides advisory services to the following types of clients:

            Individuals
            High-Net-Worth Individuals
            Pension and Profit Sharing Plans

           Charitable Organizations
           Corporations or Business Entities

There is no account minimum for any of RFCI’s services.