Symphony Financial Ltd Co

Item 5. Fees and Compensation

       Symphony offers services on a fee basis, which may include fixed and/or hourly fees, as well as fees based
       upon assets under management and assets under advisement. Additionally, all of the Firm’s Supervised
       Persons, in their individual capacities, may offer securities brokerage services and/or insurance products
       under a separate commission-based arrangement.
       Financial Planning, Consulting and Multi-Family Office (MFO) Fees

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DISCLOSURE BROCHURE                                                                SYMPHONY FINANCIAL, LTD. CO.

       Symphony charges a fixed and/or hourly fee for providing financial planning, consulting or MFO services
       under a stand-alone engagement. These fees are negotiable, depending upon the scope and complexity of
       the services, and the professional rendering the financial planning and/or consulting services. Fees generally
       start at $1000 fixed or $450 on an hourly basis.

       The terms and conditions of the financial planning and/or consulting engagement are set forth in the
       Financial Planning Agreement and Symphony generally requires one-half of the fee (estimated hourly or
       fixed) payable upon execution of The Agreement. The outstanding balance is due upon delivery of the
       financial plan or completion of the agreed upon services.

       MFO fees are set forth in the Financial Planning Agreement. The fee will be based upon the size of the
       estate and the scope of services to be provided to the client, outlined in the Agreement. The fee will be
       collected on a monthly or quarterly basis. The fee collected is wholistic for all services and providers will
       be reimbursed for individual expenses. Each provider sets their fee, which is incorporated into the overall
       MFO fee charged by Symphony Financial. Clients who engage Fieldpoint Private Bank will not incur extra
       fees for any compensation paid to the advisor for assets placed at Fieldpoint.

       Investment Management Fees

       Symphony offers investment management services and investment advisement services for an annual fee
       based on the amount of assets under the Firm’s management. This management fee varies between 0 and
       250 basis points (0.00% to 2.50%), depending upon the size and composition of a client’s portfolio and the
       type of services rendered. The fee the client will pay will be disclosed within the advisory agreement.

       The Account Fee is based on the value of assets in the account, including cash holdings, and is payable
       quarterly in advance. For purposes of calculating Account Fees, LPL calculates the fee rate using the
       number of days in the quarter, Charles Schwab uses 90 days in the quarter and the other custodians use the
       annual fee divided by 4. The account quarter will be based on the appropriate fee cycle. Fee cycles are as
       follows and will be based upon the date in which the client funds their account(s):

                                Cycle 1                  Cycle 2                   Cycle 3
                                January                 February                    March
                                 April                    May                       June
                                  July                   August                   September
                                October                 November                  December

       The Account Fee is due at the beginning of the quarter following account inception and will include
       the prorated fee for the initial quarter in addition to the standard quarterly fee for the upcoming quarter.
       Subsequent Account Fee payments are due and will be assessed at the beginning of each quarter based
       on the account value as of the close of business on the last business day of the preceding quarter. All
       Additional deposits and withdrawals will be added or subtracted from portfolio assets on a prorated

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DISCLOSURE BROCHURE                                                                  SYMPHONY FINANCIAL, LTD. CO.

       basis to adjust the Account Fee. Additionally, the Firm will consider householding client assets when
       appropriate.

       In the event the Advisory Agreement is terminated, the fee for the final billing period is prorated through
       the effective date of the termination and the outstanding portion of the fee is charged to the client, as
       appropriate.

       As mentioned above, certain advisors act as ERISA 3(21) fiduciaries. In this capacity, the Firm offers
       investment advisement services for an annual fee based on the amount of assets under the Firm’s
       management. This management fee varies between 0 and 250 basis points (0.00% - 2.50%) and is stated
       within the Agreement.
       The Account Fee is based on the daily average balance of assets in the account, including cash holdings,
       and is payable quarterly in arrears. For the purpose of calculating Account Fees, the administrator (TPA)
       calculates the fee rate using the number of days in the quarter.

       Self-Directed Retirement Account Management
       Symphony offers Personal Choice Retirement Account self-directed retirement account management services
       for an annual fee based on the amount of assets under the Firm’s management. This management fee varies
       between 0 and 250 basis points (0.00% - 2.50%), depending upon the size and composition of a client’s portfolio
       and the type of services rendered.

       The Account Fee is based on the value of assets in the account, including cash holdings, and is payable quarterly
       in advance. For purposes of calculating Account Fees, the account quarter will be based on the appropriate fee
...

Item 7. Types of Clients
       Symphony offers services to individuals, trusts, estates, charitable organizations, corporations and
       business entities.