Visionary Horizons LLC

Fees and Compensation - Item 5

 Portfolio Management Services Fees
 For portfolio management services, VH charges an annual fee based upon a percentage of the market
 value of assets under management. Fees will be subject to the following fee schedule:

 Assets Under Management                   Annual Fee
 $0 -$99,999                               1.75%
 $100,000 -$249,999                        1.50%
 $250,000 -$999,999                        1.30%
 $1,000,000 -$1,999,999                    1.20%
 Accounts over $2,000,000                  1.00%

 Portfolio management fees may be negotiable depending on factors such as the amount of assets
 under management, range of investments, and complexity of the client’s financial circumstances,
 among others. Since this fee is negotiable, the exact fee paid by the client will be clearly stated in the
 investment advisory contract signed by the client and the firm. Fees are billed quarterly, in advance,
 and are based on the amount of the assets under management on the last day of the previous
 quarter.

 VH will either invoice the client directly for payment of fees or fees will be deducted directly from the
 client’s account through the qualified custodian holding the client’s 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.

 We may deduct the fee from a designated account to facilitate billing. We recommend that you
 review the custodial statement(s) to verify the accuracy of fee calculation. Please call our office
 number, located on the cover page of this brochure, if you have any questions about your statement.

 For held-away assets managed through Pontera and Absolute Capital, Pontera and Absolute Capital
 do not offer us the ability to deduct fees from the account. As such, fees for the management of held-
 away assets will either be paid directly by the client or deducted from another eligible account that
 we manage for the client at the qualified custodian(s) recommended by our firm.

 The investment advisory contract between you and VH will stay in effect until either party terminates
 the contract with a thirty (30) day written notice. VH's quarterly fee will be pro-rated through the
 date of termination and any remaining balance shall be refunded to the client in a timely manner.

 Financial Planning and Consulting Services Fees

Visionary Horizons, LLC
Form ADV Part 2A Brochure

 VH provides financial planning services for an hourly fee of up to $300. The fee is negotiable based
 upon the complexity of the client’s goals and objectives, the level of services rendered and the
 experience and qualifications of the individual preparing the plan. Consulting services are provided for
 a one-time fee as negotiated.

 Prior to engaging VH to provide financial planning services, the client will be required to enter into a
 written investment advisory contract with our firm. The contract will set forth the terms and
 conditions of the engagement, describe the scope of the services to be provided and the fee that is
 due from the client. Fees are either payable in advance or upon delivery of the financial plan. VH does
 not require the prepayment of over $1,200, six or more months in advance.

 Either party may terminate the investment advisory contract by written notice to the other. In the
 event the client terminates VH’s consulting services, the balance of VH’s unearned fees (if any) shall
 be refunded to the client.

 Third-Party Investment Adviser Fees
 VH will share in the fee paid to the TPA. The management fee is disclosed in the TPA's disclosure
 documents. These fees may or may not be negotiable. VH's compensation will differ depending upon
 the firm’s individual agreement with each TPA. This creates a conflict of interest because VH and its
 Associated Persons have an incentive to recommend TPAs that provide the firm with a higher payout.

 Qualified Retirement Plan Advisory Fees
 Our standard fee includes establishing your Investment Policy Statement, reviewing your plan
 structure, investment management, investment selection and monitoring, fund changes, participant
 education and reporting. The fee will be outlined in your Advisory Agreement with us. Our typical fee
 schedule is as follows:

      •    Percentage of All Plan Assets Up to 1.75% or as negotiated

 Our fee is paid directly by the individual Plan Sponsors or Plan on a quarterly basis in advance or in
 arrears. The advisory agreement the Plan Sponsor has with us will outline exactly how the fees are
 charged and remitted to us.

 You may also incur fees related to your use of outside service providers including third-party
 administrators and record keepers. The fee schedule for each outside service provider varies
 dramatically from service provider to service provider. The service provider’s fees will also vary from
 plan to plan as each plan’s structure and characteristics are different from the next.

 We believe our services help plan sponsors and plan fiduciaries meet their fiduciary duty to the plan
 and its participants. As a part of our services, we review the fees of service providers and the
 transparency of their fees. We will assist the plan sponsors with a review of service providers

Visionary Horizons, LLC
Form ADV Part 2A Brochure

 including the third-party administrator, daily record keeper, and custodian to ensure that their
 services, along with ours, remain competitive to alternatives that are available.

 IRA Rollover Considerations
 As a normal extension of financial advice, we provide education or recommendations related to the
 rollover of an employer-sponsored retirement plan. A plan participant leaving employment has
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Types of Clients - Item 7

 We generally offer investment advisory services to individuals, pension and profit sharing plans and
 participants, trusts, estates, charitable organizations, corporations, and other business entities.

 We require a minimum of $250,000 to open and maintain an advisory account. At our sole discretion,
 we may waive this requirement. This requirement can be met by combining two or more accounts
 owned by you or related family members.

                  Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 In offering asset management services to its clients, VH uses model portfolios. In creating our models,
 we rely on research we obtain from third party research consultants. The research consultant
 provides ongoing consulting services related to investment modeling to our firm. Consulting services
 may include the aid in implementation of investment models and analysis of portfolios or specific
 securities. Specific investments may be based on risk mitigation, diversification, time horizon,
 economic cycle, and tax efficiency needs.

 The following are different methods of analysis that we may use when providing you with investment
 advice:
     • Fundamental Analysis – fundamental analysis is a technique that attempts to determine a
         security’s value by focusing on underlying factors that affect a company's actual business and
         its future prospects. The term refers to the analysis of the economic well-being of a financial
         entity as opposed to only its price movements.
     • Technical Analysis – technical analysis is a technique that relies on the assumption that
         current market data (such as charts of price, volume, and open interest) can help predict
         future market trends, at least in the short term. It assumes that market psychology influences
         trading and can predict when stocks will rise or fall.
     • Cyclical Analysis – cyclical analysis is a technique that looks at cycles, specifically analyzing the
         way prices follow certain patterns and trends.
     • Charting – charting is a technique that attempts to forecast future market moves by studying
         historical data on charts.

 We may use one or more of the following investment strategies when advising you on investments:

Visionary Horizons, LLC
Form ADV Part 2A Brochure

     •   Long Term Purchases – securities held for over a year.
     •   Short Term Purchases – securities held for less than a year.
     •   Trading – securities are sold within 30 days.
     •   Covered Options – covered option is a strategy in which an investor writes an option contract
         while at the same time owning an equivalent number of shares of the underlying stock.

 Investing in securities involves risk of loss that clients should be prepared to bear. Clients should
 fully understand the nature of the contractual relationship(s) into which they are entering and the
 extent of their exposure to risk. Certain investing strategies may not be suitable for many members of
 the public. You should carefully consider whether the strategies employed will be appropriate for you
 in light of your experience, objectives, financial resources and other relevant circumstances.

 General Investment Risk: All investments come with the risk of loss. Investing may involve substantial
 risks, including complete possible loss of principal plus other losses and may not be suitable for many
 members of the public. Investments, unlike savings and checking accounts at a bank, are not insured
 by the government to protect against market losses. Different market instruments carry different
 types and degrees of risk and you should familiarize yourself with the risks involved in the particular
 market instruments you intend to invest in.

 Loss of Value: There can be no assurance that a specific investment will achieve its investment
 objectives and past performance is no guarantee of future results. The value of investments and the
 income derived may fall as well as rise and investors may not recoup the original amount invested.
 Investments may also be affected by any changes in exchange control regulation, tax laws,
 withholding taxes, international, political and economic developments, and government, economic or
 monetary policies.

 Interest Rate Risk: Fixed income securities and funds that invest in bonds and other fixed income
 securities may fall in value if interest rates change. Generally, the prices of debt securities rise when
 interest rates fall, and their prices fall when interest rates rise. Longer term debt securities are usually
 more sensitive to interest rate changes.

 Credit Risk: Investments in bonds and other fixed income securities are subject to the risk that the
 issuer(s) may not make required interest payments. An issuer suffering an adverse change in its
 financial condition could lower the credit quality of a security, leading to greater price volatility of the
 security. A lowering of the credit rating of a security may also offset the security's liquidity, making it
 more difficult to sell. Funds investing in lower quality debt securities are more susceptible to these
 problems and their value may be more volatile.

 Risks Associated with Investing in Options: Transactions in options carry a high degree of risk.
 Relatively small market movement can have a large impact, which may work for or against the
 investor. The placing of certain orders, which are intended to limit losses to certain amounts, may not
 be effective because market conditions may make it impossible to execute such orders. Selling

Visionary Horizons, LLC
Form ADV Part 2A Brochure

 ("writing" or "granting") an option generally entails considerably greater risk than purchasing options.
 Although the premium received by the seller is fixed, the seller may sustain a loss well in excess of
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