The Tenret Company LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management             Annual Fees
        $0 - $1,000,000                           1.00%

        $1,000,001 - $3,000,000                   0.80%

        $3,000,001 - and up                       0.60%

In certain circumstances, all fees, account minimums and their applications to family
circumstances may be negotiable.

The advisory fee is calculated using the value of the assets in the account on the last
business day of the prior billing period. Investment management clients will be invoiced
in advance at the beginning of each calendar quarter based upon the value of the client’s
account at the end of the previous quarter. New accounts are charged a prorated fee for
the remainder of the quarter in which the account is opened.

Divorce Consulting Services

Divorce consultation fees will generally be $385 per hour with a $5,000 retainer deposit
requested upon engagement for services provided by Tina Tenret. Additional fees, if
warranted, will be billed to client in advance of further services rendered. The Tenret
Company may also retain administrative support to assist with data input requirements.
If so, these services will be billed at a lower rate. Billing statements are rendered on a
periodic basis and due upon presentation. The retainer deposit is reduced upon each
billing, and any deposit remaining at the conclusion of the engagement is refunded. All
fees are agreed upon prior to entering a contract with any client.

Financial Planning Fees

Financial planning services are available on a fixed fee basis, which generally ranges from
$3,500 to $10,000 based on the level and scope of services provided, as well as the client’s
specific needs and circumstances. Custom services are also available on an hourly basis,
which will generally be $385 per hour with a $5,000 retainer deposit requested upon
engagement. Additional fees, if warranted, will be billed to client in advance of further
services rendered. The fees reflect all time spent by Financial Planner gathering and
compiling Client information, conferring with Client, and/or any other activities directly
associated with carrying out Financial Planner’s obligations under this agreement. All
fees are agreed upon prior to entering a contract with any client.

B. Deduction of Fees

The Tenret Company will request written authority from the client to receive quarterly
payments directly from the client's account held by an independent custodian, and this
will be documented in each client’s executed Investment Advisory Agreement. Clients
will receive custodial statements showing the advisory fees debited from their account(s).

C. Additional Fees for Services

The Tenret Company’s fees are exclusive of brokerage commissions, transaction fees, and
other related costs and expenses which shall be incurred by the client. Clients may incur
certain charges imposed by custodians, brokers, third party investment and other third
parties such as fees charged by managers, custodial fees, odd-lot differentials, transfer
taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions. Mutual funds and exchange traded funds also charge
internal management fees, which are disclosed in a fund’s prospectus. These fees will
generally include a management fee and other fund expenses. All fees paid to The Tenret
Company for investment advisory services are separate and distinct from the fees and
expenses charged by mutual funds and ETFs to their shareholders. Such charges, fees and
commissions are exclusive of and in addition to The Tenret Company’s fee, and The
Tenret Company shall not receive any portion of these commissions, fees, and costs. For
more information about brokerage practices, see Item 12.

    D. Prepayment of Fees

    The Tenret Company collects fees in advance. Clients may terminate the Investment
    Advisory Agreement without penalty for a full refund of The Tenret Company's fees
    within five business days of signing it. Thereafter, clients may terminate the Investment
    Advisory Agreement with 30 days' written notice. Upon termination of any account, any
    prepaid, unearned fees will be promptly refunded on a prorated basis and returned
    within fourteen days to the client via check or deposit back into the client’s account.

    For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
    the fees collected in advance minus the daily rate* times the number of days elapsed in
    the billing period up to and including the day of termination. (*The daily rate is calculated
    by dividing the annual asset-based fee rate by 365.)

    Divorce Consulting Services

    The retainer deposit is reduced upon each billing, and any deposit remaining at the
    conclusion of the engagement is refunded. For hourly fees collected in advance, the fee
    refunded will be the balance less the hourly rate for the number of hours of work
    completed up to and including the day of termination.

    Financial Planning Fees

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

    For hourly fees collected in advance, the fee refunded will be the balance less the hourly
    rate for the number of hours of work completed up to and including the day of
    termination.

    E. Outside Compensation for the Sale of Securities to Clients

    Neither The Tenret Company nor its supervised persons accept any compensation for the
    sale of investment products, including asset-based sales charges or service fees from the
    sale of mutual funds.

Item 7: Types of Clients

   The Tenret Company generally provides advisory services to individuals and trusts with
   a minimum of $1,000,000 of assets under management, negotiable under certain
   circumstances.