Spectrum Planning & Advisory Services Inc

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or
more written agreements with the Advisor.

                        Spectrum Planning & Advisory Services Inc. d/b/a Bamboo Wealth Strategies
                                3131 Camino Del Rio North, Suite 1000, San Diego, CA 92108
                                                   Phone: (619) 289-9670
                                          http://www.bamboowealthstrategies.com

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid quarterly in advance of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Bamboo Wealth uses the average daily balance (“ADB”) in the Client’s account
from the previous billing quarter to determine the value of assets under management for billing purposes. For
account[s] where ADB (i.e., 529 plan) is not readily available, the value for billing purposes shall be the average
of the beginning and ending account balances (“ABE”) from the previous quarter ((beginning balance + ending
balance)/2). Investment advisory fees are typically deducted from accounts during the first fourteen days of each
quarter. Either ADB or ABE may be referred to as the billable account balance. Lower fees for comparable
services may be available from other sources.

Investment advisory fees are based on the following schedule:

                  Assets Under Management ($)              Annual Rate (%)
                  $0 to $1,000,000                             1.25%
                  $1,000,001 to $1,500,000                     1.00%
                  $1,500,001 to $2,000,000                     0.90%
                  $2,000,001 to $3,000,000                     0.80%
                  Above $3,000,000                             0.70%

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. Fees may vary from the above
fee schedule depending on the nature and complexity of each Client’s circumstances, or with the inclusion of
financial planning services. The Client’s fees will generally take into consideration the aggregate assets under
management with the Advisor. All securities held in accounts managed by Bamboo Wealth will be independently
valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure
accurate billing.

Fees for certain fee-based annuities are billed quarterly, at the end of the quarter. Fees are calculated based on
quarter-end valuations of the annuity as provided by the Custodian. Fees will be deducted from the Client
accounts[s] by the Custodian. Clients provide written authorization permitting advisory fees to be deducted by the
Custodian directly from their account[s] and paid out to the Advisor as part of the investment advisory agreement
and separate account forms provided by the Custodian. The Custodian shall send a quarterly statement indicating
the amount of the fees to be deducted from the Client Account(s).

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
other related costs and expenses as described in Item 5.C. below, which may be incurred by the Client.
However, the Advisor shall not receive any portion of these commissions, fees, and costs.

Financial Planning Services
The cost for financial planning services and/or providing ongoing financial planning advice for one year’s time is
between $1,500 and $20,000. Fees may also be charged on an hourly basis at a rate ranging from $250 to $500
per hour. Fees are negotiable and are based on the nature and complexity of the services to be provided and the
overall relationship with the Advisor. Bamboo Wealth is configured to charge a fee for financial planning advice in
the following distinct methods:

One Time Fixed Engagement – Clients may be charged on a fixed fee or hourly basis depending on the needs of
the Client. An estimate for total hours and total costs will be provided to the Client prior to engaging for these
services. Unless otherwise stated, the total timeframe for services delivered on an hourly basis or fixed
engagement fee shall not exceed 12 months.

Ongoing Financial Advice – Clients may be charged a one-time plan setup fee with a monthly or annual fee for
ongoing advice depending on the needs of the Client.

                        Spectrum Planning & Advisory Services Inc. d/b/a Bamboo Wealth Strategies
                                3131 Camino Del Rio North, Suite 1000, San Diego, CA 92108
                                                   Phone: (619) 289-9670
                                          http://www.bamboowealthstrategies.com

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged a fixed engagement fee billed quarterly either in advance
or arrears, depending on the terms of the retirement plan advisory agreement. Fixed engagement fees range
from $1,500 to $20,000. Fees may be negotiable depending on the size and complexity of the Plan.

 B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s]
at the Custodian. Bamboo Wealth also offers Clients the ability to pay by credit card, debit card, check, or
alternate advisory account. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to
be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated
by applying the billable account balance multiplied by the annual rate divided by 4. Clients will be provided with a
...

Item 7 – Types of Clients
Bamboo Wealth offers investment advisory services to individuals, high net worth individuals, businesses, trusts,
estates, charitable organizations, and retirement plans. The amount of each type of Client is available on the
Advisor's Form ADV Part 1A. These amounts may change over time and are updated at least annually by the
Advisor. Bamboo Wealth generally does not impose a minimum size for establishing a relationship.