Symphony Wealth Management LLC

Item 5. Fees and Compensation

        SWM offers to its clients (individuals, business entities, trusts, estates, and family offices) investment
advisory services.

         SWM shall price its services based on various objective and subjective factors. As a result, SWM clients
could pay diverse fees based upon the market value of their assets, the complexity of the engagement, and the
level and scope of the overall investment advisory and/or consulting services offered. As a result of these factors,
the services to be provided by SWM to any particular client could be available from other advisors at lower fees.
All clients and prospective clients should be guided accordingly.

         Investment Management Services

       SWM may provide discretionary investment management services to clients on a fee basis. SWM’S annual
investment management fee shall vary (up to 1.00% of the total assets under SWM’s management) and be based
on various objective and subjective factors including, but not limited to, the amount of assets placed under SWM’s
direct management, the complexity of the engagement, and the level and scope of the overall investment advisory
services.

        SWM’s investment advisory fee shall be pro-rated and paid quarterly, in arears. There is an account
minimum of $1,000,000, which may be waived by SWM based on the needs of the client and the complexity of the
situation. SWM, in its sole discretion, may charge a lesser investment management fee based upon certain criteria
(e.g. anticipated future earning capacity, anticipated future assets, related accounts, account composition, etc.).
These fees are negotiable. Fees are paid quarterly, in arrears, and clients may terminate their account with thirty
days written notice. Refunds will be given on a prorated basis, based on the number of days remaining in a quarter
at the point of termination. Clients may terminate their accounts without penalty, for full refund, within 5 business
days of signing the advisory contract.

         SWM shall deduct advisory fees from the clients’ custodial account. Specific fee arrangements and
calculation methods are set forth in the client’s advisory agreement with SWM. SWM client agreements AND the

clients’ custodial account agreement may authorize the custodian to debit the client’s account for the amount of
SWM’s investment advisory fee and to directly remit that fee to SWM in accordance with regulatory compliance
procedures. In the limited circumstance where SWM bills a client directly, payment is due upon receipt of invoice.
SWM shall deduct fees and/or bill clients quarterly, in arrears, based on the market value of the assets throughout
the quarter. The account value used for the calculation of fees is the net equity value. This means the actual value
of the account and does not include any equity value that may be enhanced by the usage of margin. Client may
purchase securities that are deemed “ineligible” for billing purposes due to the nature of their inherent fee
structure or per investment advisory agreement. The value of any ineligible securities is not included in the value
used for the calculation of investment advisory fees.

         Unless the client directs otherwise or circumstances require, SWM shall generally recommend that a
qualified custodian will serve as the custodian for client investment management assets. Broker dealers charge
transaction fees for effecting certain securities transactions and other activity within a custodial account (Note:
transaction fees are charged for certain no-load mutual funds, transaction fees are charged for equity and fixed
income transactions). In addition to SWM investment management fees, clients may also incur charges imposed at
the fund-level for purchases of mutual funds and exchange traded funds. A detailed list of all activity fees will be
provided to each client prior to any related activity, and on a regular and on-going basis as required by regulation.

         The Investment Advisory Agreement between SWM and the client will continue in effect until terminated
by either party by written notice in accordance with the terms of the agreement. Upon termination, SWM shall not
apply any further fees from the date of termination.

         Fees in General

Investment Supervisory Services

Fees for these services will be based on the aggregate percentage of assets under management (“AUM”) for a
household as follows:

AUM                               ANNUAL FEE
$1,000,000 - $5,000,000                1%
$5,000,000 – and up                  .50%

         Fees and account minimums for all services are negotiable based upon certain criteria (i.e. anticipated
future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related
accounts, account composition, negotiations with client, competitive considerations, etc.). Discounts not generally
available to our advisory clients may be offered to family members of SWM employees. We may group certain
related client accounts for the purposes of determining the account size and/or annualized fee. At SWM’s sole
discretion, clients selecting multiple services may have some fees reduced and/or waived.

         Account Termination

      Termination and refund terms and conditions are outlined in each client’s advisory agreement with SWM.

         Mutual Fund and ETF Fees and Expenses

        All fees paid to our firm for investment advisory services are separate and distinct from the fees and
expenses charged by mutual funds and ETFs to their shareholders. These fees and expenses are described in each
fund's prospectus. These fees will generally include a management fee, other fund expenses, and a possible
distribution fee. A client could invest in a mutual fund or an ETF directly, without the services of our firm. In that
case, the client would not receive the services provided by us which are designed, among other things, to assist the
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Item 7. Types of Clients

     SWM clients shall generally include individuals, business entities, trusts, estates, and family offices. There is
an account minimum of $1,000,000, which may be waived by SWM based on the needs of the client and the
complexity of the situation.