The Pacific Center for Financial Services

Item 5. Fees and Compensation
      PCFS offers services on a fee basis, which includes fixed and/or hourly fees, as well as fees based upon
      assets under management. Additionally, certain of the Firm’s Supervised Persons, in their individual
      capacities, offer securities brokerage services and/or insurance products under a separate commission-based
      arrangement.

      Financial Planning and Consulting Fees

      PCFS charges a fixed and/or hourly fee for providing financial planning and consulting services under a
      stand-alone engagement. These fees are negotiable, but range from $250 to $2,000 on a fixed fee basis
      and/or $200 on an hourly basis, depending upon the scope and complexity of the services and the
      professional rendering the financial planning and/or the consulting services.

      The terms and conditions of the financial planning and/or consulting engagement are set forth in the
      Advisory Agreement. Hourly fees are billed in arrears. Fixed fees are due and payable in full, in arrears,
      upon completion of the work agreed upon.

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 Disclosure Brochure

      Investment Management Fees

      PCFS offers investment management services for an annual fee based on the amount of assets under the
      Firm’s management. This management fee varies in accordance with the following fee schedule:

                                 PORTFOLIO VALUE                        BASE FEE
                                     Up to $249,999                      1.25%
                                   $250,000 – $749,999                   1.00%
                                  $750,000 - $1,249,999                  0.85%
                                 $1,250,000 - $1,749,999                 0.80%
                                    Above $1,750,000                    Negotiable

      The annual fee is prorated and charged quarterly, in arrears, based upon the market value of the assets being
      managed by PCFS on the last day of the quarter as determined by a party independent from the Firm
      (including the client’s custodian or another third-party).

      The fee will be calculated on the full portfolio value to include cash or margin balances. PCFS does not
      recommend margin or large cash balances. Exceptions to the fee calculation on cash or margin chosen by
      the client (the Firm does not recommend margin) may be specified in the IPS. The Firm may, in its sole
      discretion, not include cash in determining the fee, especially where a client has a high percentage of cash
      for reasons other than the Firm's investment management decision.

      For the initial period of an engagement, the fee is calculated on a pro rata basis. 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 or unearned portion of the fee is charged or refunded to the client, as
      appropriate.

      Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage PCFS for
      additional services for compensation, including rolling over retirement accounts or moving other assets to
      the Firm’s management. Clients retain absolute discretion over all decisions regarding engaging the Firm
      and are under no obligation to act upon any of the recommendations.

      Fee Discretion

      PCFS may, in its sole discretion, negotiate to charge a lesser fee based upon certain criteria, such as
      anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
      managed, related accounts, account composition, pre-existing/legacy client relationship, account retention,
      pro bono activities, or competitive purposes.

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 Disclosure Brochure

      Additional Fees and Expenses

      In addition to the advisory fees paid to PCFS, clients also incur certain charges imposed by other third
      parties, such as broker-dealers, custodians, trust companies, banks and other financial institutions
      (collectively “Financial Institutions”). These additional charges include securities brokerage commissions,
      transaction fees, custodial fees, margin and other borrowing costs, charges imposed directly by a mutual
      fund or ETF in a client’s account, as disclosed in the fund’s prospectus (e.g., fund management fees and
      other fund expenses), deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and
      electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. The Firm’s
      brokerage practices are described at length in Item 12, below.

      Direct Fee Debit

      Clients provide PCFS with the authority to directly debit their accounts for payment of the investment
      advisory fees. The Financial Institutions that act as the qualified custodian for client accounts, from which
      the Firm retains the authority to directly deduct fees, have agreed to send statements to clients not less than
      quarterly detailing all account transactions, including any amounts paid to PCFS. There are a small number
      of clients that the Firm has agreed to send a separate invoice for direct payment, but the Firm does not
      generally accommodate these requests.

      Account Additions and Withdrawals

      Clients can make additions to and withdrawals from their account at any time, subject to PCFS’s right to
      terminate an account. Additions can be in cash or securities provided that the Firm reserves the right to
      liquidate any transferred securities or declines to accept particular securities into a client’s account. Clients
      can withdraw account assets on notice to PCFS, subject to the usual and customary securities settlement
...

Item 7. Types of Clients
      PCFS offers services to individuals, including high net worth families, family trusts, and retirement
      accounts (e.g., pension and profit-sharing plans).

      Minimum Account Value

      As a condition for starting and maintaining a MAP relationship, PCFS imposes a minimum portfolio value
      of $50,000. PCFS may, in its sole discretion, accept clients with smaller portfolios based upon certain
      criteria, including anticipated future earning capacity, anticipated future additional assets, dollar amount of
      assets to be managed, related accounts, account composition, pre-existing client, account retention, and pro
      bono activities. PCFS only accepts clients with less than the minimum portfolio size if the Firm determines
      the smaller portfolio size will not cause a substantial increase of investment risk beyond the client’s
      identified risk tolerance. PCFS may, in its sole discretion, aggregate the portfolios of family members to
      meet the minimum portfolio size.