Rotter Laura Ingber

Item 5 – Fees and Compensation
True Abundance Advisors is a fee-only firm. TAA is compensated solely by professional fees
received directly from its clients. Neither TAA nor any related person receives compensation that
is contingent on the purchase or sale of a financial product. Neither TAA nor any related person
accepts any sales commissions, referral fees, service fees or other form of compensation from any
third party, nor does TAA or any related person compensate anyone else directly or indirectly for
client referrals. With limited exceptions, fees are generally non-negotiable and are paid as
described below, directly by the client. TAA’ fee and the specific manner in which fees are charged
is established in each advisory agreement with the client. In no event will TAA collect more than
$1,200.00 more than six months in advance from any client.

         Assets Under Advisement                   Current Cost Basis Points
         $0-$500,000                               1.15%
         $500,001-$2,000,000                       1.00%
         $2,000,001-$4,000,000                     0.85%
         Over $4,000,001                           0.75%

Please note that the above fee schedule is negotiable based on client needs and complexity of the
engagement.

Retainer Engagement Fee and Billing

The Retainer fee is a flat fee determined according to the client’s Assets Under Advisement and
the overall complexity of the Client’s financial situation and needs. The minimum fee for this
service is $10,000.

The retainer fee is a flat tiered fee that is calculated by assessing the percentage rates using the
predefined levels of assets as shown in the above chart and applying the fee to the assets under
advisement calculated at the beginning of the engagement. Fees are calculated annually and
payable monthly or quarterly, in advance. The fee will remain the same for two years and will be
re-evaluated once the two year engagement has been renewed. Clients may elect a payment cycle
that is most convenient for their cash flow as long as all fees are paid in full prior to the end of the
contract term. For a Retainer engagement, clients may pay TAA’s advisory fee by check or with
a credit card. TAA will also debit the advisory fee from the client’s account held at the independent
custodian upon the client’s choice and authorization. All sub-adviser fees are included in TAA’s
Retainer Engagement fee.

For clients using Asset Dedication as a sub-adviser, Asset Dedication will directly debit its fee
from a client’s account quarterly, in advance, in the amount of 0.25% of the value of the assets
under management as of the last day of the immediately preceding calendar quarter. This fee is
separate from the flat advisory fee charged by TAA. Asset Dedication’s fee is deducted from the
client’s account, and TAA correspondingly reduces its flat-fee invoice by the same amount,
calculated using the previous year-end assets under management. As a result, clients will see Asset
Dedication’s fee withdrawn from their account, followed by a corresponding reduction in TAA’s
advisory fee. Clients therefore do not incur any additional cost for the use of Asset Dedication
beyond TAA’s stated flat fee.

One Page Financial Plan

The fee for this service is $497 due upfront. Clients may terminate the engagement at any time
between the execution of the contract and the in-person meeting by notifying TAA in advance of
the meeting. If the client does not find value in the one page financial plan, all fees will be
refunded. Fees are paid by check. For clients that choose to engage in additional TAA services,
the upfront fee of $497 will be deducted from the ongoing fee of the service.

Other fees

In addition to TAA’s fee, clients may incur certain other fees and charges to implement TAA’s
recommendations. Additional charges and fees will be imposed by custodians, brokers, third party

investment and other third parties, related to the securities held in an account, such as fees charged
by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire
transfer and electronic fund fees, and other fees and taxes. Mutual funds and exchange traded
funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such
charges, fees and commissions are exclusive of and in addition to TAA’s fee.

Past Due Accounts and Termination of Agreement

Upon termination of an open retainer engagement, TAA’s fee will be pro-rated based on the
number of days under which the account was managed prior to date of termination.

TAA reserves the right to stop work on any account that is more than 30 days overdue. In addition,
TAA reserves the right to terminate any financial planning engagement where a client has willfully
concealed or has refused to provide pertinent information about financial situations when
necessary and appropriate, in TAA’ judgment, to providing proper financial and tax advice.

Client has five (5) business days from the date of execution to terminate any agreement without
penalty or fee. After five days from execution, either party may terminate an agreement upon
written notice. Upon termination of any agreement, any prepaid, unearned fees will be promptly
refunded, and any earned, unpaid fees will be due and payable.

Item 7 – Types of Clients
TAA provides holistic financial planning and investment advisory services primarily to individuals
and families. We strive to work with people from all different walks of life. As such, we maintain
no minimum net-worth or asset requirements. As discussed above, your chosen relationship
agreement and fee will be based upon your individual circumstances.