Talkabouthealth Inc

Item 5. Fees and Compensation
Overview. This Item 5 describes both the Firm's investment advisory fee (Section A) and the separate
non-advisory platform subscription fee (Section C). The subscription fee is charged for the Firm's financial
technology tools and is not an investment advisory fee.

A. Investment Advisory Fee Structure

0.25% per year of assets under management
    • Calculated daily based on account value
    • Deducted quarterly in arrears from investment accounts
    • Charged only on funds actually invested and managed through our investment advisory services
What Our Advisory Fee Covers
   • Professional investment management and portfolio construction
    • Automated rebalancing to maintain target allocations
    • Tax-loss harvesting strategies
    • Ongoing investment supervision and portfolio management
    • Fiduciary investment advisory services
Fee Examples
    • $10,000 invested. $25.00 annually (0.25%)
    • $50,000 invested. $125.00 annually (0.25%)
    • $100,000 invested. $250.00 annually (0.25%)

B. Other Fees and Expenses
Commission-Free Trading. Advizmo does not currently charge commissions on securities transactions. We
reserve the right to implement commission charges in the future with at least 30 days advance notice to clients.
In addition to our investment advisory fees, clients will incur.
    • Underlying expense ratios of ETFs held in portfolios (typically 0.03% to 0.20% annually)
    • Regulatory fees mandated by SEC and FINRA (pass-through fees required by law)
    • Wire transfer fees (if client chooses wire transfer instead of ACH)
    • Account transfer or closure fees, if any
    • Other administrative fees as disclosed by Interactive Brokers LLC
Currently Absorbed by Advizmo
    • Standard securities transaction commissions
    • ACH withdrawal fees
    • Standard custodial transaction fees
Note. Our policy of absorbing certain transaction costs may change in the future with advance notice to clients.

C. Platform Subscription Fee (Non-Advisory)
Not an Advisory Fee. The platform subscription fee described in this Section C is charged for the Firm's
non-advisory financial technology services and is separate from and in addition to the investment advisory fee
described in Section A.
Subscription Fee Structure. Advizmo charges a platform subscription fee for its non-advisory platform
services. Subscription fees range from $2.99 to $14.99 per month or $29.99 to $99.99 per year, at the client's

election. The Firm offers different price points within these ranges, and a client's specific subscription fee is
determined at the time of subscription based on then-current pricing offered to the client. The specific
subscription fee applicable to a client is disclosed at the time of subscription, displayed within the client's
account, and confirmed in the client's billing statements. The Firm may change subscription pricing from time to
time, and may offer different pricing to different clients (for example, in connection with promotions, cohort
testing, or grandfathered pricing). The Firm will provide clients with at least 30 days' advance notice of any
increase to a client's recurring subscription fee. Clients who maintain a balance of $1,000 or more in their
Advizmo auto-invest account receive the subscription at no additional charge as a standard account benefit,
regardless of the price point at which the client originally subscribed.
Scope and Separability. The subscription fee applies to the Firm's non-advisory platform services (cash flow
analysis, spending analysis, account monitoring, and the financial dashboard). The subscription fee does not
apply to the Firm's investment advisory services, which are subject to the separate advisory fee described in
Section A. Clients may subscribe to the platform services independently of the investment advisory services, or
they may elect the investment advisory services independently of the platform subscription.
Waiver Condition. The $1,000 auto-invest balance threshold is measured on the client's Advizmo auto-invest
account balance. Clients who reach this threshold receive the platform subscription at no additional charge for
as long as their auto-invest balance remains at or above $1,000. If the balance falls below $1,000, the
subscription fee resumes at the client's then-current monthly or annual subscription rate. Clients who have not
reached the threshold and have not subscribed to the platform do not receive platform services.

D. Fee Billing and Payment

Advisory Fee Billing
   • Automatically deducted from investment accounts quarterly in arrears
    • Pro-rated upon termination of investment advisory services
    • Calculated based on average daily balance during the billing period
Service Termination
    • Clients can terminate investment advisory services at any time
    • Upon termination, clients retain control of their investment accounts
    • Final advisory fees are pro-rated to the termination date

E. Commission Compensation
Neither we nor any of our supervised persons accept commissions or other compensation for the sale of
securities or other investment products to clients.

Item 7. Types of Clients
We provide investment advisory services to individual investors and their related entities such as trusts, estates,
and retirement accounts.
Investment Advisory Services. Available to clients who choose to invest with us for automated portfolio
management. We do not impose minimum account size requirements, making our investment advisory services
accessible to investors at various asset levels.
Service Independence. Clients can access our investment advisory services independently without being
required to use any other services we may offer. We also offer separate non-advisory technology services, but
these are not required for investment advisory clients.
We encourage prospective clients to consider whether our investment advisory services and automated
portfolio management are appropriate for their investment objectives and financial situation.