The Helmstar Group LLC

Item 5 Fees and Compensation

Financial Planning Services
We charge a fixed fee for financial planning services, which generally ranges between $750-$15,000. The fee is negotiable
depending upon the complexity and scope of the plan, your financial situation, and your objectives. We do not require you to
pay fees six or more months in advance. Should the engagement last longer than six months between acceptance of financial
planning agreement and delivery of the financial plan, any prepaid unearned fees will be promptly returned to you less a pro rata
charge for bona fide financial planning services rendered to date.

In certain circumstances we may charge an hourly fee of $100-$300 for financial planning consulting services, which is negotiable
depending on the scope and complexity of the plan, your situation, and your financial objectives. An estimate of the total
time/cost will be determined at the start of the advisory relationship. In limited circumstances, the cost/time could potentially
exceed the initial estimate. In such cases, we will notify you and request that you approve the additional fee.

We will not require prepayment of a fee more than six months in advance and in excess of $1,200.

Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account (please refer to fee schedule
below). Our advisory fee is negotiable based on the complexity of your financial situation and the size of your account. Separate
and apart from our fee, the subadvisor(s) will charge a program fee on the account for advisory, custodial, and/or execution
services they provide to your account. Specific fees charged by the sub-adviser will be disclosed in their disclosure documents
provided to you at the time the account(s) is opened. Our annual portfolio management fee is billed and payable, quarterly in
arrears, based on the balance at end of billing period.

If the portfolio management agreement is executed at any time other than the first day of a calendar quarter, our fees will apply
on a pro rata basis, which means that the advisory fee is payable in proportion to the number of days in the quarter for which
you are a client. Our advisory fee is negotiable, depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household to determine the
applicable advisory fee. For example, we may combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts. Combining account values may increase the asset total, which may result in your
paying a reduced advisory fee based.

We will deduct our fee directly from your account through the qualified custodian holding your funds and securities. We will
deduct our advisory fee only when you have given our firm written authorization permitting the fees to be paid directly from
your account. Further, the qualified custodian will deliver an account statement to you at least quarterly. These account
statements will show all disbursements from your account. You should review all statements for accuracy.

You may terminate the portfolio management agreement upon 30 days written notice. You will incur a pro rata charge for

services rendered prior to the termination of the portfolio management agreement, which means you will incur advisory fees
only in proportion to the number of days in the quarter for which you are a client. If you have pre-paid advisory fees that we
have not yet earned, you will receive a prorated refund of those fees. Fees are paid quarterly and in arrears.

Annual Fee Schedule
Asset Valuation                    Annual Fee Average                  Annual Fee Range
First $1,000,000                   1.00%                               1.00%
$1,000,001 - $2,000,000            0.85%                               1.00% to 0.93%
$2,000,001 - $3,000,000            0.70%                               0.93% to 0.86%
$3,000,001 - $5,000,000            0.60%                               0.86% to 0.76%
$5,000,001 - $10,000,000           0.45%                               0.76% to 0.60%
$10,000,001 - $15,000,000          0.30%                               0.60% to 0.50%
$15,000,001 - $20,000,000          0.20%                               0.50% to 0.43%
$20,000,001 - $100,000,000         0.15%                               0.43% & declining

Pension Consulting Services
Our advisory fees for customized pension consulting services will be negotiated with the plan sponsor or named fiduciary on a
case-by-case basis. You have the option to pay an asset-based fee (see fee schedule below), annual flat fee which will be paid
quarterly in advance or a one-time fee. You may terminate the pension consulting services agreement upon written notice to our
firm. You will incur a pro rata charge for services rendered prior to the termination of the agreement, which means you will incur
advisory fees only in proportion to the number of days in the quarter for which you are a client. If you have pre-paid advisory
fees that we have not yet earned, you will receive a prorated refund of those fees.

Annual Fee Schedule
Assets Under Management                     Annual Fee
$0 to $1,000,000                            1.20%
$1,000,001 to $2,000,000                    0.95%
$2,000,001 - $5,000,000                     0.75%

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in mutual funds and exchange
traded funds. The fees that you pay to our firm for investment advisory services are separate and distinct from the fees and
expenses charged by mutual funds or exchange traded funds (described in each fund's prospectus) to their shareholders. These
fees will generally include a management fee and other fund expenses. You may also incur transaction charges and/or brokerage
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Item 7 Types of Clients

We offer investment advisory services to individuals (other than high net worth individuals), high net worth individuals, pension
and profit-sharing plans (but not the plan participants), charitable organizations and corporations or other businesses not listed
above.

Typically, we suggest that you have a minimum of $500,000 to open and maintain an advisory account; however, based on your
circumstances we may accept smaller accounts.

We may also combine account values for you and your minor children, joint accounts with your spouse, and other types of
related accounts to meet the stated minimum.