Rinkey Investments

Item 5 Fees and Compensation
Fees for Financial Life Management
Clients engaging Illumination for the Financial Life Management Program are subject to a flat annual
fixed fee, paid quarterly based on a percentage of your adjusted gross income (AGI) plus a percentage
of your net worth based on the following tiered schedule:

                            Net Worth Between:                   Fee %
                            $0 to 2,000,000                      0.50%
                            $2,000,001 to $3,000,000             0.40%
                            $3,000,001 to $5,000,000             0.30%
                            $5,000,001 to $10,000,000            0.20%
                            $10,000,001 and Over                 0.10%
                                                 and
                            Income (AGI) Between                 Fee %
                            $0 to 500,000                        1.00%
                            $500,001 to $1,000,000               0.80%
                            $1,000,001 to $2,000,000             0.60%
                            $2,000,001 and over                  0.40%

Clients in the Financial Life Management program are subject to a minimum quarterly fee of $2,000
and annual fee calculations are rounded to the nearest $500. The minimum fee may change and is
determined on a case by case basis. Financial Life Management fees may vary from the fee
schedule based on the scope and complexity of your engagement with our firm (e.g., Business
planning, Business and/or Real Estate Ownership, Corporate or Private Equity, multiple entities, etc.).

In limited circumstances, we may utilize an alternative Advisor's Formula for the "Financial Life
Management" Services. The alternative Advisor's Formula will be agreed upon in writing by both IWM
and you and illustrated in the client agreement.

Fees are due quarterly (or monthly) in advance and a pro-rata refund will be paid to you if canceled
within any quarter. The initial quarterly fee may be applied on a pro-rata basis depending on the date
of the executed client agreement. This fee may be debited from your investment accounts or you may
choose to be invoiced at the beginning of each quarter.

The Income (AGI) is obtained from your most recent tax filing. The net worth is calculated from the
value of your assets and liabilities on the effective date of the client engagement. These fees are
generally not negotiable. However, exceptions will be made on a case by case basis at the discretion
of the managing member of IWM.

Should more accurate information about assets and liabilities become known within the first six months
as part of our discovery process, IWM will add this new information to the original net worth statement
to re-evaluate the fee based on the more accurate net worth statement. If there is a change in fee, it
will be effective the next billing period going forward. In situations where we expect our services to be
long-term and ongoing, we may include this complexity in setting the client fee. Existing clients may be
under a different fee schedule than one above.

The fees will be adjusted at the beginning of the calendar quarter following the two year anniversary of
the effective date and every two years thereafter based on Advisor's Formula. Your then current
income (AGI) and net worth will be used in Advisor's Formula to recalculate the fee or the factors that
make up the alternative Advisor's Formula. For example, if your agreement is effective as of February,
your recalculated fee will be calculated two years later in March and effective the beginning of the
following calendar quarter in April.

If IWM is unable to obtain current financial information in the month prior to the end of the 2 year
anniversary quarter, IWM will contact you and request the missing information. If we have not received
the financial information from you within 2 weeks, we may elect to use the most recent information we
have on file or wait until you provide us with the requested information. If there will be a revision in the
quarterly fee, you shall be notified within 7 days of the effective date. The adjusted fee calculation will
be provided to you upon request.

Either party may terminate the Financial Life Management agreement, without penalty, upon at least 7
days written notice. Upon date of termination, we shall process a pro-rata refund of the unearned
portion of the fees charged at the beginning of the quarter. Please note that we shall be paid our fee
through the effective date of the termination. The initial quarterly fee may be applied on a pro-rata
basis depending on the date of the executed agreement.

Typically, IWM debits the financial life management fee directly from your account(s). Fees may also
be paid via credit or check through unaffiliated secured third party processing systems. Upon request,
IWM will send an invoice to the client rather than directly debit the quarterly fee.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian.
    • The qualified custodian agrees to send you a statement, at least quarterly, indicating all
      amounts dispersed from your account including the amount of the advisory fee paid directly to
      our firm.

Fees for Investment Management Services
For clients who require Investment Management services only, the fee will be:

Assets Under Management         Annual Fee Percentage
$0 - $99,999                    $1,500 Minimum
$100,000 - $249,999             1.50%
$250,000 - $499,999             1.35%
$500,000 - $999,999             1.20%
$1,000,000 - $2,999,999         1.00%
$3,000,000 +                    0.90%
...

Item 7 Types of Clients
IWM generally provides investment advice to the following types of clients:

    •   Individuals
    •   High-Net-Worth Individuals
    •   Trusts & Estates
    •   Corporations
    •   Pension and Profit Sharing Plans
    •   Defined Benefit and Defined Contribution Plans

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, we have the right to terminate your Account if it falls below a minimum size which, in our sole
opinion, is too small to manage effectively. For Financial Life Management services we have a
minimum quarterly fee of $2,000 which may change at our discretion and is determined on a case by
case basis.