Spectrum Advisors Inc

Item 5 – Fees and Compensation
Portfolio Management Program
        Portfolio Management Fee Schedule
        For investment analysis, planning, portfolio design, implementation, monitoring and
reporting quarterly, our fee is on the below tiered schedule based on the amount of assets managed.
       Assets Under Management                           Annualized Fee
       Accounts $1,000,000 and below                               1.20%
       $1,000,001 to $3,000,000                                     1.05%
       $3,000,001 to $5,000,000                                     0.90%
       $5,000,001 to $10,000,000                                    0.75%
       $10,000,001 to $25,000,000                                   0.60%
       Amounts over $25,000,000                                     0.50%

The above fees are negotiable based on the size of the account, the length of time with us, and
other factors we deem applicable. All accounts for members of your family (husband, wife, and
dependent children) or related businesses are assessed fees based on the total balance of all
accounts, e.g., per household.
Our fees are based on the percentages listed in the Fee Schedule and are calculated monthly in
arrears using the average daily balance and the number of days in the month.
Fees are calculated by multiplying the assets under management market value by the above
annualized fee, time’s number of days in the month.

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Portfolio Management fees will be deducted from your accounts at the custodian monthly in
arrears from your accounts following the end of the month. We will send the qualified custodian
written notice of the amount of the fee to be deducted from your account.
       Qualified Retirement Plan Consulting Fees
The above fee schedule applies for providing investment advice on Qualified Retirement Plans
(401K, 403B, 457, etc.). Maximum Annual fee of 1.20%. Fees will be deducted monthly in arrears
from the Charles Schwab & Co. Inc. account.
We shall provide written invoice documentation reasonably supporting the determination of the
investment advisor fees on the value of your assets upon which the fee was based, and the specific
way the fee was calculated. The Custodian will send you a quarterly Account statement that shows
the amount of our advisory fee and the value of your assets. We will verify that the Custodian
sends Account statements on a quarterly basis.
You should compare invoices for advisory fees to the corresponding custodian statement.
Statements should be received from the custodian no less than quarterly. If statements are not
received, contact us immediately.
        Additional Types of Fees or Expenses:
        Investment Management fees do not include the cost of custodial services for individual
retirement accounts or for qualified retirement plans. Transaction costs are not commissions. They
are clearing costs charged by the designated clearing firm on the account. We elect at our option
to bear the cost of transactions under certain circumstances. Additional fees will be incurred while
the funds are in a money market fund or other no-load funds. These fees are charged and collected
by the mutual funds and are not refundable to the Client.
No prorations for breakpoints are achieved during the quarter. Breakpoints are applied when
billing occurs in the next quarter.
        Termination
        You can terminate the Agreement without penalty if you deliver a written notice to use
within five (5) days of the acceptance of the agreement. After five business days, either party can
terminate the Agreement at any time and for any reason, upon thirty (30) days' written notice to
the other party. Upon notice of termination, we will await further instructions from you as to what
steps you request to liquidate and/or transfer the portfolio and remit the proceeds. Upon receiving
instructions, we will direct broker-dealers, mutual fund sponsors, and others to liquidate and/or
transfer the portfolio and remit the proceeds to you or a designated third party. A refund of our
unearned fees will be made on a prorated basis from the time of termination.

Financial Planning Services
        Fees
        Our comprehensive written financial plan fees depend on the scope, complexity, and work
to be performed by our Firm. Financial planning fees are charged through a fixed fee. Fixed fees
vary and typically range from $500 to $10,000 per plan, depending on the plan's complexity. Prior

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to any engagement, we will state the fixed fee to be charged. We will modify the estimate if you
subsequently change the scope or nature of the analysis. Our financial planning fee does not
include taxes, preparation of legal documents, or any costs associated with investments (i.e.,
surrender charges, sales charges, administration fees, etc.).
All agreements must be approved by an officer of our firm prior to any payments being received.
You are advised that fees for financial planning are strictly for financial planning services.
Therefore, you will pay fees and/or commissions for additional services obtained, such as portfolio
management or products purchased, such as securities or insurance.
         Termination
         You may terminate the Financial Planning Agreement at any time and must provide us
with written notice of your termination request. If you terminate the Agreement within five (5)
business days of signing, you shall receive a full refund of all fees. If the Agreement is terminated
after five (5) business days of signing, any prepaid fees shall be prorated, and the unused portion
shall be returned to you. Any adjustment to fees must be made with thirty (30) days' written notice.

Financial Planning Consulting & Review Services
        Fees
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Item 7 – Types of Clients
We offer portfolio management investment advice to the following types of clients:
       •       Individuals
       •       Families
       •       High net worth individuals
       •       High net worth families
       •       Charitable organizations
       •       Trusts
       •       Estates
       •       Private business owners

Account Minimum Requirements
We provide investment supervisory services, manage investment advisory accounts, and provide
comprehensive financial planning under our Investment Management Program. The minimum
account size for this Program is $50,000 in investable assets. We will aggregate related accounts
in the same household to meet account minimums. We can make an exception to this minimum
from time to time based on individual factors such as length of time the account has been known,

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overall composition of the account, multiple accounts held with us etc. This exception is in our
sole discretion.
We reserve the right to negotiate the financial plan, financial planning consulting, and review fees
at our sole discretion.