True Link Financial Advisors LLC

Item 5 Fees and Compensation

     True Link Financial Advisors provides asset management services for a fee. We do not charge a separate fee for
 the creation of an IPS.
True Link Financial Advisors, LLC                    Form ADV Part 2A                                       Page 4 of 16

    Either party can terminate the relationship as agreed upon in the investment advisory agreement. Upon
termination, the fee for the final billing period is calculated through the effective date of the termination.

            Fees

            Asset Management Fee Schedule

    The Firm generally charges advisory fees at a rate 1% of the client’s assets managed by the Firm or such other
rate as negotiated with the client. Fees are charged monthly or quarterly, in arrears. Payments are assessed and due
the month following the last day of each month/quarter based on the average daily balance of the assets under
management for the prior month/quarter.

    In the case of pooled trust accounts where there are sub-accounts, depending on the manner in which the
accounts are set up and the fee arrangement with the client, the fee may be calculated based on the average daily
balance in the sub-account for each sub-account of the pooled trust which in some cases may not add up to the assets
maintained by the entire trust.

    The above fees are an annualized rate and are calculated for the billing cycle and for partial periods (refer to your
investment advisory agreement for specifics regarding your advisory fee arrangement). The Firm does not change
(increase or decrease) a client’s annual fee without first agreeing to and documenting the new fee arrangement with
the client.

    The fees described above reflect our typical advisory fee terms. However, we can enter into agreements with one
or more clients providing for the waiver or modification of our compensation terms without notice to our other
clients.

    The fees True Link Financial Advisors charges often are deducted directly from the client’s account at the
custodian. The Firm will instruct the custodian to deduct the fees from the client’s account at the end of each
month/quarter, as applicable. The fee shows up as a deduction on the custodian’s account statement following the
month/quarter the fee is deducted.

    If clients prefer to pay their advisory fees outside of the custodial account, True Link Financial Advisors can send
an invoice detailing the fee calculation and the amount can be paid directly to us. Fees are due in full ten (10) days
after receipt of the invoice, or such other time period set forth in the advisory agreement as negotiated with the
client. If the client chooses this option, it will be documented in the investment advisory agreement.

            Account Additions and Withdrawals

    Clients can make cash and securities additions to and cash withdrawals from their account(s) at any time.
Additions can be in cash or securities, provided that the Firm reserves the right to liquidate any transferred securities
or decline to accept particular securities into a client’s account. Clients can liquidate securities after providing notice
to the Firm and subject to applicable settlement procedures. However, the Firm designs its portfolios as long-term
investments, and the withdrawal of assets can impair the achievement of a client’s investment objectives. True Link
Financial Advisors consults with its clients about the options and implications of transferring securities. Clients are

True Link Financial Advisors, LLC                    Form ADV Part 2A                                       Page 5 of 16

advised that when transferred securities are liquidated, they may be subject to transaction fees, short-term
redemption fees, fees assessed at the mutual fund level (e.g., contingent deferred sales charges) and/or have tax
ramifications.

     Unlike the in-kind securities transfers described in Item 4 under Services (which pertained to securities that the
client maintains outside of the Firm managed portfolios), clients that wish to transfer in “in-kind” securities (the “
In-Kind Securities”) into their account to be managed in accordance with the portfolio strategy managed by the Firm,
should provide a list of such securities to the Firm. Clients should be aware that the account’s custodian may restrict
its acceptance of certain In-Kind Securities into the client’s account. Clients also should consider whether it would be
in their best interest to retain such In-Kind Securities. In this respect, some or all of In-Kind Securities transferred into
the client’s account may be liquidated at such times and in such manner as the Firm deems appropriate in its sole
discretion. In addition, there may be tax consequences related to the liquidation of such In-Kind Securities.

    When In-Kind Securities are transferred into the account, some or all of such In-Kind Securities may not be
immediately managed in accordance with the asset allocation model utilized by the Firm to manage the assets in the
account because the Firm must determine when such In-Kind Securities should be managed in accordance with the
asset allocation model, taking into account various portfolio management considerations, including the tax
considerations of the timing of managing such In-Kind Securities pursuant to the model. The Firm monitors all of
these type of In-Kind Securities on an ongoing basis and the value of such securities are subject to the Firm’s advisory
fee, regardless of whether such securities are managed in accordance with the Firm’s asset allocation model.

            Third Party Fees

    In addition to True Link Financial Advisor’s advisory fees, clients will also incur and bear certain charges imposed
by unaffiliated third parties. Such charges may include, but are not limited to, fees charged by third-party investment
advisor(s) (if applicable to a specific client), trading costs (e.g., brokerage commissions, ticket charges, mark-ups,
...

Item 7 Types of Clients

     True Link Financial Advisors provides investment advisory services primarily to individuals and certain trusts such
 as special needs trusts, including pooled special needs trusts. There is no minimum account size or other specific
 requirements for opening and maintaining an account.