Summit X

Item	5:	Fees	&	Compensation

    Compensation	for	Our	Advisory	Services

    Asset	Management

                       Assets	Under	Management	                       Annual	Percentage	of
                       $0	to	$4,999,999.99	                           Assets	Charge
                                                                      Up	to	2.0%
                       Over	$5,000,000	                               1.00%

    In	addition	to	the	advisory	fees	listed	above,	our	firm	charges	an	annual	fee	of	up	to	$45	per	account
    for	 performance	 reporting.	 Fees	 to	 be	 assessed	 will	 be	 outlined	 in	 the	 advisory	 agreement	 to	be
    signed	by	the	client.	The	first	payment	will	be	based	on	the	opening	market	value	of	the	account	and
    will	be	pro-rated	to	cover	the	period	from	the	date	the	account	is	opened	through	the	end	of	that
    calendar	 quarter.	 Thereafter,	 annualized	 fees	 are	 billed	 on	 a	 pro-rata	 basis	 quarterly	 in	 advance
    based	on	the	value	of	the	account(s)	on	the	last	day	of	the	previous	quarter.	Our	fees	are	based	on	the
    full	account	value	which	includes	any	cash	portion.	Fees	are	negotiable	and	will	be	deducted	from
    client	account(s).	In	rare	cases,	our	firm	will	agree	to	direct	bill	clients.	As	part	of	this	process,	you
    understand	and	acknowledge	the	following:

    The	client’s	independent	custodian	sends	statements	at	least	quarterly	showing	the	market	values
    for	each	security	included	in	the	Assets	and	all	account	disbursements,	including	the	amount	of	the
    advisory	fees	paid	to	our	firm;
         • Clients	will	provide	authorization	permitting	our	firm	to	be	directly	paid	by	these	terms.	Our
             firm	will	send	an	invoice	directly	to	the	custodian;	and
         • If	 our	 firm	 sends	 a	 copy	 of	 our	 invoice	 to	 the	 client,	 legend	 urging	 the	 comparison	 of
             information	 provided	 in	 our	 statement	 with	 those	 from	 the	 qualified	 custodian	 will	 be
             included.

    Financial	Planning	&	Consulting
    Our	firm	charges	an	hourly	or	monthly	flat	fee	for	financial	planning	and	consulting	services.	The	total
    estimated	 fee,	 as	 well	 as	 the	 ultimate	 fee	 charged,	 is	 based	 on	 the	 scope	 and	 complexity	 of	 our
    engagement	with	the	client.	The	maximum	hourly	fee	to	be	charged	will	not	exceed	$250	and	special
    project-based	planning	fees	are	generally	$10,000	but	will	not	exceed	$40,000.	Our	monthly	flat	fee
    financial	planning	packages	are	described	below:

                                                            7	     [
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                                                                   y
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                                          Financial	Planning	Packages
                          Package	Details	                   $100/mo               $200/mo
                          Financial	Plan	                    mo00/Mo
                                                                ✓                  Month
                                                                                     ✓
                                                             nth
                          Riskalyze	                            ✓                      ✓
                          Savings	 Summary	 +	 Peer	            ✓                      ✓
                          Comparison
                          Asset	Map	Technology	                 ✓                      ✓
                          Advanced	           Planning	         ✓                      ✓
                          Techniques
                          Asset	Allocation	                     ✓                      ✓
                          Beneficiary	     /	   Titling	        	                      ✓
                          Analysis
                          Social	 Security	 /	 Pension	         	                      ✓
                          Analysis
                          Personal	Financial	Website	           	                      ✓
                          Hours	of	Annual	Support	              2	                     4

    Our	firm	will	not	require	a	retainer	exceeding	$1,200	when	services	cannot	be	rendered	within	6	(six)
    months.

    Retirement	Plan	Consulting
    Our	Retirement	Plan	Consulting	services	are	billed	on	an	hourly	or	flat-fee	basis	or	a	fee	based	on	the
    percentage	 of	 Plan	 assets	 under	 management.	 The	 total	 estimated	 fee,	 as	 well	 as	 the	 ultimate	 fee
    charged,	 is	 based	 on	 the	 scope	 and	 complexity	 of	 our	 engagement	 with	 the	 client.	 The	 maximum
    hourly	fee	to	be	charged	will	not	exceed	$250.	Our	flat	fees	range	from	$250	to	$5,000.	Fees	based	on
    a	percentage	of	managed	Plan	assets	will	not	exceed	1.50%.	The	fee-paying	arrangements	will	be
    determined	on	a	case-by-case	basis	and	will	be	detailed	in	the	signed	consulting	agreement.

    Referrals	to	Third-Party	Money	Managers	and	Fixed	Annuities
    The	total	annual	advisory	fee	for	this	service	shall	not	exceed	2.00%.	Third-party	manager	fees	may
    depend	on	our	ability	to	negotiate	those	fees.	When	we	are	able,	we	work	to	achieve	the	best	fees	we	can
    negotiate	for	the	client.	When	you	engage	with	AssetMark	directly,	clients	will	be	provided	with	a	copy	of
    their	Form	ADV	Part	2,	all	relevant	brochures	and	privacy	policy.	All	fees	that	our	firm	receives	from
    AssetMark	and	disclosures	made	to	clients	regarding	these	fees	are	provided	by	Assetmark.	A	portion
    of	the	fee	you	pay	AssetMark	will	be	paid	to	us.	Rochdale	and	BlackRock	accounts	will	be	charged
    separately	 by	 both	 our	 firm	 and	 the	 selected	 manager.	 The	 client	 enters	 into	 a	 separate	 service
    agreement	with	Rochdale	and	BlackRock	and	will	receive	their	Forms	ADV	and	important	disclosure
...

Item	7:	Types	of	Clients	&	Account	Requirements

    Our	firm	does	not	impose	requirements	for	opening	and	maintaining	accounts	or	otherwise	engaging
    us	and	has	the	following	types	of	clients:
        • Individuals	and	High	Net	Worth	Individuals;
        • Trusts,	Estates	or	Charitable	Organizations;
        • State	or	Municipal	Government	Entities;
        • ERISA	plans;	and
        • Corporations,	Limited	Liability	Companies	and/or	Other	Business	Types.