Rubinbrown Advisors LLC

Item 5        Fees and Compensation

Advice provided directly by RubinBrown Advisors:

Fees are typically charged as a percentage of assets. RubinBrown Advisors’ standard fee schedule for all
new investment advisory relationships is:

               0.95%           On the first     $2,000,000
               0.50%           On the next      $3,000,000
               0.40%           On the next      $5,000,000
               0.30%           Above            $10,000,000

Clients and RubinBrown Advisors can negotiate different fees based on various factors.

Longer tenured RubinBrown clients will continue to pay the fees outlined in their existing investment
advisory agreement. These annual asset-based fees range from 1.00% to 0.10%. There are clients who
have negotiated a flat quarterly fee, either percentage or dollar amount. Fees to be paid by the client
are stipulated in their investment advisory agreement. Client's who hire RubinBrown Advisors, LLC as a
result of their advisor joining the firm continue to pay the same fees they paid to their prior investment
adviser firm, provided they do not exceed our maximum of 1.00% of assets, unless negotiated by the
client.

Fees are billed quarterly in arrears. The value used for asset-based fees is the value of the client's account
on the last day of the previous quarter.

Sub-Advisor Fees for Discretionary Investment Advisory Services
RubinBrown Advisors utilizes a sub-advisor to execute the purchases and sales of the model portfolio
investments. RubinBrown Advisors will pay the subadvisor a portion of the fees you pay to us. The fee
RubinBrown Advisors charges will not be increased because of these fees. The sub-advisor charges 0.10%
annually. This is billed to RubinBrown Advisors quarterly in arrears.

Third Party Investment Advisers:

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Clients should review the disclosure documents and advisory agreements of recommended independent
investment advisers to determine what their fee schedules are. Fees paid to independent investment
advisers are separate and distinct from advisory fees paid to RubinBrown Advisors. RubinBrown Advisors
will include assets managed by a recommended independent investment adviser in calculating the
RubinBrown Advisors’ fees, as described above.

Advice provided through third party platforms:

Portfolio Management through the SEI Asset Management Program:

Please see the section titled "Advice provided directly by RubinBrown Advisors" for the fees charged by
RubinBrown Advisors as part of these services.

There is a $150,000 minimum account size required for this service. Clients will be invoiced in arrears at the
end of each calendar quarter based upon the quarter end values (market value or fair market value in the
absence of market value, plus any credit balance or minus any debit balance), of the client's account during
the previous quarter.

SEI will receive certain fees and expenses charged by mutual funds to their shareholders, as well as
administrative/custodial fees for servicing the account.

Consulting through the SEI Managed Accounts Program:

Please see the section titled "Advice provided directly by RubinBrown Advisors" for the fees charged by
RubinBrown Advisors as part of these services.

The fees payable to SIMC are as follows:

Equity Investment Styles

 All Cap, Equity Income, Global Equity, International   First $500,000           0.80%
 Developed Markets, International Equity, Large         Next $500,000            0.75%
 Cap, Managed Volatility, Mid Cap, Socially             Next $1,000,000          0.70%
 Responsible                                            Next $3,000,000          0.65%
                                                        Next $5,000,000          0.60%
                                                        Over $10,000,000         0.55%

 International Emerging Markets, REIT, Small Cap,       First $500,000           1.00%
 Small-Mid Cap                                          Next $500,000            0.95%
                                                        Next $1,000,000          0.90%
                                                        Next $3,000,000          0.85%
                                                        Next $5,000,000          0.80%
                                                        Over $10,000,000         0.75%

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Fixed Income and Alternative Investment Styles

 SEI Fixed Income Strategies                          First $500,000          0.30%
                                                      Next $500,000           0.27%
                                                      Next $1,000,000         0.25%
                                                      Next $3,000,000         0.20%
                                                      Next $5,000,000         0.19%
                                                      Over $10,000,000        0.18%

 Alternative-Income, Alternative-Tax Advantage        First $500,000          0.60%
 Income, Core Aggregate, Corporate Bond,              Next $500,000           0.55%
 Government/Corporate Bond, Government                Next $1,000,000         0.51%
 Securities, Municipal Fixed Income, Preferred        Next $3,000,000         0.49%
 Securities                                           Next $5,000,000         0.45%
                                                      Over $10,000,000        0.40%

Personalizers:
Tax Management                 0.10% in addition to the SEI fee described above

There are no additional brokerage fees. All brokerage costs are included in the fees payable to SIMC.
SIMC is the co-sponsor of the program, and files a Form ADV Part 2A Appendix for this option.

Consulting through Newport Group Securities, Inc.
...

Item 7        Types of Clients

RubinBrown Advisors, LLC provides advisory services to the following types of clients:
• Individuals (other than high net worth individuals)
• High net worth individuals
• Foundations, endowment funds and charitable organizations
• Pension and profit sharing plans, including pensions, 401(k), 403(b), deferred compensation and non-
   qualified (other than plan participants).