Tactica LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management          Annual Fees
        $5,000 – $5,000,000                    0.80%

TAC uses the value of the account as of the last business day of the billing period, after
taking into account deposits and withdrawals, for purposes of determining the market
value of the assets upon which the advisory fee is based.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of TAC's fees within five business days of signing the Investment Advisory

Contract. Thereafter, clients may terminate the Investment Advisory Contract
immediately upon written notice.

Pension Consulting Services Fees

Asset-Based Fees for Pension Consulting

        Total Assets Under Management          Annual Fee
        $5,000 - AND UP                        0.80%

TAC uses the value of the account as of the last business day of the billing period, after
taking into account deposits and withdrawals, for purposes of determining the market
value of the assets upon which the advisory fee is based.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of TAC's fees within five business days of signing the Pension Consulting
Agreement. Thereafter, clients may terminate the pension consulting agreement
immediately upon written notice.

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $1,000 and $10,000.

Clients may terminate the agreement without penalty, for full refund of TAC’s fees, within
five business days of signing the Financial Planning Agreement. Thereafter, clients may
terminate the Financial Planning Agreement generally upon written notice.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees will be Withdrawn directly from client account
with client written authorization. Fees are paid monthly, in arrears.

Payment of Pension Consulting Fees

Asset-based pension consulting fees may be invoiced and billed directly to the client
payable by check or bank transfer, on a monthly basis. Fees are paid in arrears.

Payment of Financial Planning Fees

Financial planning fees are paid via check and wire.

Fixed financial planning fees are paid in arrears upon completion.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by TAC. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

TAC collects its fees in arrears. It does not collect fees in advance.

E. Outside Compensation For the Sale of Securities to Clients

Ruben Antonio Tapia Vargas is an insurance agent and in this role, accepts compensation
for the sale of insurance products to TAC clients.

1. This is a Conflict of Interest

   Supervised persons may accept compensation for the sale of insurance products. This
   presents a conflict of interest and gives the supervised person an incentive to
   recommend products based on the compensation received rather than on the client’s
   needs. When recommending the sale of insurance products for which the supervised
   persons receives compensation, TAC will document the conflict of interest in the client
   file and inform the client of the conflict of interest.

2. Clients Have the Option to Purchase Recommended Products From
Other Brokers

   Clients always have the option to purchase TAC recommended products through
   other brokers or agents that are not affiliated with TAC.

3. Commissions are not TAC's primary source of compensation for
advisory services

   Commissions are not TAC’s primary source of compensation for advisory services.

4. Advisory Fees in Addition to Commissions or Markups

           Advisory fees that are charged to clients are not reduced to offset the commissions or
           markups on insurance products recommended to clients.

Item 7: Types of Clients

TAC generally provides advisory services to Individuals.

There is an account minimum of $5,000, which may be waived by TAC in its discretion.