Safe Harbor Wealth Advisors LLC

(Item 5: Fees and Compensation) and in our Investment Proposal and Contract (Schedule
D: Schedule of Fees).
The above fees are negotiable. Fees are assessed quarterly in arrears based on the
amount of the assets managed as of the end of the previous quarter and will take into
account additions and withdrawals in the time period. All management fees are
withdrawn from the Client’s account unless otherwise noted. GI will receive written
authorization from the Client to deduct advisory fees from their account held by a
qualified custodian. GI will pay Safe Harbor their share of the fees. Safe Harbor does not
have access to deduct Client fees. Clients may terminate their account within five (5)
business days of signing the investment advisory agreement without penalty or
obligation. For terminations after the initial five business days, GI will be entitled to a
pro-rata fee for the days service was provided in the final quarter. GI will pay Safe Harbor
their portion of the final fee.
Incentive Program - GI
In addition to the regular advisory fee, GI has instituted a long-term incentive
arrangement where Safe Harbor can share in GI’s portion of the management fee. This
does not change the cost to the Client; it is a sharing arrangement paid from GI’s portion
of the advisory fee. The incentive arrangement will be paid annually according to the
following table:
  Safe Harbor Quarterly AUM with GI                  Participation rate in GI’s fee
             $10,000,000                                        3.00%
             $25,000,000                                        10.00%
             $50,000,000                                        12.50%
             $75,000,000                                        15.00%
Once Safe Harbor reaches and maintains the thresholds listed above, the participation
rate applies to all of the AUM for the quarter.
To receive the incentive award, Safe Harbor needs to meet two qualifications. First, the
quarter end billable AUM must be above the threshold amounts specified. Second, Safe
Harbor must be an advisor “in good standing” with GI at the time the annual checks are
issued. “In good standing” means the advisor is proactively placing assets with GI.
This relationship will be disclosed to the client in each contract between Safe Harbor and
Third Party Money Manager. Safe Harbor does not charge additional management fees
for Third Party managed account services. Client's signature is required to confirm
consent for services within Third Party Investment Agreement. Client will initial Safe
Harbor Investment Advisory Agreement to acknowledge receipt of Third Party fee
Schedule and required documents including Form ADV Part 2 disclosures.
FINANCIAL PLANNING and CONSULTING
Services include but are not limited to a thorough review of all applicable topics including
Wills, Estate Plan/Trusts, Investments, Taxes, and Insurance. The payment is due upon

                              Safe Harbor Wealth Advisors, LLC

   commencement of the Advisory Agreement. Safe Harbor reserves the right to waive the
   fee should the Client implement the plan through Safe Harbor.
   All plans are completed and delivered inside of ninety (90) days. Client may cancel
   within five (5) business days for a full refund. If client cancels after five (5) business
   days, client will be due a pro-rata refund or RFP will be entitled to a pro-rata fee for work
   completed whichever is applicable. If a refund is due to the client, it will be based on a
   rate of $250 per hour for the amount of time spent completing the plan.
       FIXED FEES
       Financial Planning Services are offered based on a negotiable fixed fee with a
       maximum of $2,500 based on complexity and unique client needs. Prior to the
       planning process the client is provided a plan fee and approximation of time for
       completed services.

 Client Payment of Fees
   Co-Advisor fees are billed quarterly in arrears and deducted from client accounts.
   Fees for financial plans are billed 50% in advance with the balance due upon delivery of
   the plan.

 Additional Client Fees Charged
  When utilizing Third Party Money Managers, the custodians may charge transaction fees
  on purchases or sales of certain mutual funds and exchange-traded funds. These
  transaction charges are usually small and incidental to the purchase or sale of a security.
  The selection of the security is more important than the nominal fee that the custodian
  charges to buy or sell the security.
   Safe Harbor, in its sole discretion, may waive its minimum fee and/or charge a lesser
   investment advisory fee based upon certain criteria (e.g., historical relationship, type of
   assets, anticipated future earning capacity, anticipated future additional assets, dollar
   amounts of assets to be managed, related accounts, account composition, negotiations
   with clients, etc.).

 Prepayment of Client Fees
  Financial planning fees will be due, in full, at the commencement of the contract. Client
  may cancel within five business days of signing the Investment Advisory Agreement for a
  full refund. If client cancels after five (5) business days, client will be due a pro-rata
  refund or RFP will be entitled to a pro-rata fee for work completed whichever is
  applicable.

 External Compensation for the Sale of Securities to Clients
  Safe Harbor does not receive any external compensation for the sale of securities to
  clients, nor do any of the investment advisor representatives of Safe Harbor.

Item 7: Types of Clients
 Description
  Safe Harbor generally provides investment advice to individuals, pension and profit
  sharing plans, trusts, estates, or charitable organizations, corporations or business
  entities.
   Client relationships vary in scope and length of service.

 Account Minimums
  While Safe Harbor does not require a minimum to open an account, specific money
  managers may have a minimum to open an account. Minimum requirements by third
  party money managers will be disclosed in each money manager’s brochure.