Singer Wealth Advisors LLC

Item 5: Fees and Compensation

A. Fee Schedule

Clients will not be charged multiple advisory fees on the same assets. The applicable fee
schedule depends on the specific service, strategy, or account type selected and is
disclosed in the applicable advisory agreement or addendum.

Asset-Based Fees for Portfolio Management

              Total Assets Under Management                              Annual Fee

                      Up to $1,000,000                                      2.00%

                   $1,000,001 and above                                     1.50%

These fees, which represent individually managed portfolios, are generally negotiable based on
factors that include, but are not limited to, the total managed assets as well as the totality and
complexity of the overall advisory services provided to the client. The final fee schedule is
included in Exhibit II of the Investment Advisory Contract. Clients may terminate the
agreement without penalty for a full refund of SWA's fees within five business days of signing
the Investment Advisory Contract. Thereafter, clients or SWA may terminate the Investment
Advisory Contract with 7 days' written notice.

SWA calculates fees in arrears using the value of the account on the last business day of the
previous quarter. With the clients’ written permission fees are withdrawn directly from the
client's accounts on a quarterly basis. Upon client request and approval of SWA, fees may be
invoiced, and payment remitted via check or credit card (SWA does not charge clients any
additional fees for paying advisory fees by credit card). For the first billing cycle for new accounts
fees will be prorated as of the date of receipt of the first assets in the clients’ account. If an existing

SWA managed account is transitioning from another strategy/fee schedule, the new fee will be
billed for that full quarter.

Advisory fees for alternative investments are calculated based on the value of the investment as
of the last business day of the applicable billing period, regardless of whether the investment is
pending settlement for a purchase or liquidation. Valuations for certain alternative investments
are provided by third parties and may be delayed, estimated, or updated after quarter-end,
including retroactive adjustments. As a result, advisory fees may be calculated based on values
that differ from values ultimately reported or revised by the investment sponsor. SWA does not
retroactively adjust advisory fees due to subsequent valuation updates made in good faith.

SWA does not accept performance-based fees or other fees based on a share of capital gains on or
capital appreciation of the assets of a client.

Payment of Cash Management Account Fees
                      Fees for Cash Management Accounts are up to 0.50%.

Cash Managed Accounts have a minimum initial household investment of $250,000. Accounts
may hold cash equivalent investments defined as short term investments with high credit
quality and high liquidity.

These fees, which represent individually managed portfolios, are generally negotiable based on
factors that include, but are not limited to, the total managed assets as well as the totality and
complexity of the overall advisory services provided to the client. The final fee schedule is
included in Exhibit II of the Investment Advisory Contract. Clients may terminate the
agreement without penalty for a full refund of SWA's fees within five business days of signing
the Investment Advisory Contract. Thereafter, clients or SWA may terminate the Investment
Advisory Contract with 7 days' written notice.

SWA calculates fees in arrears using the value of the account on the last business day of the
previous quarter. With clients’ written authorization, fees are withdrawn directly from the
clients’ accounts on a quarterly basis. Upon client request and approval of SWA, fees may be
invoiced, and payment remitted via check or credit card (SWA does not charge clients any
additional fees for paying advisory fees by credit card). For the first billing cycle on new accounts,
fees will be prorated as of the date of receipt of first assets into the account. If an existing SWA
managed account is transitioning from another strategy/fee schedule, the new fee will be billed
for that full quarter.

Charging higher or lower fees for some strategies versus others is a conflict of interest controlled
by investment guidelines, risk tolerance, and investment objectives as described in Exhibit I
Investment Advisory Contract.

SWA believes that its annual fee for cash management is reasonable in relation to: (1) services
provided under this Agreement and (2) the fees charged by other investment advisers offering
similar services/programs. In addition to compensation of SWA, Client may also incur
transactional charges imposed by the custodian and underlying investment fund level.

Payment of Tactical Management Account Fees
                     Fees for Tactical Management Accounts are up to 2.00%.

These fees, which represent individually managed portfolios, are generally negotiable based on
factors that include, but are not limited to, the total managed assets as well as the totality and
complexity of the overall advisory services provided to the client. The final fee schedule is
included in Exhibit II of the Investment Advisory Contract. Clients may terminate the
agreement without penalty for a full refund of SWA's fees within five business days of signing
the Investment Advisory Contract. Thereafter, clients or SWA may terminate the Investment
Advisory Contract with 7 days' written notice.

SWA calculates fees in arrears using the value of the account on the last business day of the
previous quarter. With clients’ written authorization, fees are withdrawn directly from the
clients’ accounts on a quarterly basis. Upon client request and approval of SWA, fees may be
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Item 7: Types of Clients

SWA generally provides advisory services to the following types of clients:
             o      Individuals
             o      High-Net-Worth Individuals
             o      Pension and Profit-Sharing Plans
             o      Corporations

Minimum Account Size for Portfolio Management
There is an account minimum of $250,000, which may be waived by SWA in its discretion.