Wealth Forward LLC

Item 5 - Fees and Compensation

Fees paid to Wealth Forward are for Wealth Forward advisory services only. The fees do not include,
for example, the fees charged by third parties such as third-party managers, or accountants and
attorneys assisting with providing the client with accounting and legal advice. Commissions on
transactions and other account fees will also be charged by brokerage firms in accordance with the
account’s brokerage firm’s normal commission schedule. See Item 12, Brokerage Practices.

Prospective clients should be aware that in addition to Wealth Forward's advisory fees, each mutual
fund and exchange traded fund in which a client's assets are invested also pays its own advisory fees
and other internal expenses which already have been deducted from the fund's reported
performance. Depending on the fund, a client may be able to invest directly in the shares issued by
the fund with or without incurring any sales or third-party management fees. Account maintenance
fees also are deducted by the custodian.

In addition, there may be tax effects pertaining to fund share redemptions, and other sales,
recommended by Wealth Forward. Redemptions and sales are taxable events which may accelerate
the recognition of capital gains, and losses, and frequent redemptions and sales may result in short-
term, rather than long-term, capital gains and losses.

The client should be aware that Wealth Forward feels that its advisory fees are reasonable but that
lower fees may be found for comparable services available through other sources.

Financial Planning Fees

Fees charged for Financial Planning are negotiable and are based on a fixed-fee per project basis or on
an hourly fee basis. The hourly rate is $300. There is a $2,000 annual minimum for hourly financial
planning services.

Total fees are determined by each Wealth Forward Representative estimating the complexity of the
client’s circumstances, the level of skill required to perform the service, and the amount of time that
will be required to perform research, analysis, and plan preparation. The estimated fee is disclosed to
the client prior to contract signing.
The fee is payable quarterly in advance upon commencement of services. No more than $1,200 is billed
more than six months in advance. The fee may be waived in whole or in part by Wealth Forward at its
sole discretion. Financial Planning Services may be terminated by either party upon notice. Any
prepaid unearned fee will be refunded to the client. Any fee due will be prorated to the date of
termination.

The fees described above may change based on special situations such as an expansion of a project,
increase in the number of reviews, more specialized needs of the client, more complex planning, or
more detailed reporting. Before such a change may be made, the client is given 30 days’ prior written
notice.

Fees do not include product transaction commissions, or the fees for third-party professional services,
e.g., investment managers, attorneys, accountants, or other third parties.

Retirement Plan Consulting Services Fees

Wealth Forward’s fees for Retirement Plan Consulting Services shall be paid as a percentage of plan
assets or a fixed annual fee. Such fees generally range from 0.25% to 1.00% annually, calculated
quarterly and billed quarterly in advance. The amount due is calculated based upon the value of the
Plan’s assets at the end of each previous calendar quarter.

The client may terminate Retirement Plan Consulting Services by giving notice to Wealth Forward; all
prepaid fees will be prorated and refunded, and any fees due will also be prorated. Wealth Forward
may terminate by giving 60 days’ written notice to client.

Wealth Forward may amend its Retirement Plan Consulting Services fees upon thirty (30) days’
advance written notice to the client.

Discretionary Management Services Fees

Fees for Discretionary Management Services are negotiable and calculated as a percentage of the total
value of investments under Wealth Forward's management at the rates set forth in the Fee Schedule
below. In addition to this advisory fee, there may, depending upon the type of security, be
transactional and commissions charged by the account’s custodian. Administrative and servicing fees
will also be charged by the account's custodian.

       Discretionary Management - Model Portfolio Accounts

                                          Schedule of Fees

 Value of Assets Under Management                 Annual Fee                    Quarterly Fee
 First $2 million                                     1.00%                        0.2500%
 Next $1 million up to $3 million                     0.95%                        0.2375%
 Next $2 million up to $5 million                     0.90%                        0.2250%
 Next $5 million up to $10 million                    0.80%                        0.2000
 More than $10 million                                0.70%                        0.1750%

         Discretionary Management - Individually Managed Accounts

                                          Schedule of Fees

 Value of Assets Under Management                 Annual Fee                    Quarterly Fee
 First $500,000                                       1.25%                        0.3125%
 Next $500,000                                        1.00%                        0.2500%
 Next $1,000,000                                      0.90%                        0.2250%
 Over $2,000,000                                      0.75%                        0.1875%

All fees due are set forth in each client’s Discretionary Investment Management Agreement.

Advisory fees are payable quarterly in advance and are calculated on the basis of the market value of
the investment in the account, including any balances held in money market funds. The fee for the
initial quarter is pro-rated for the period that services are provided. Subsequent fees are based upon
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Item 7 - Types of Clients/Minimum Account Size

Wealth Forward makes its advisory services available to a variety of clients including, but not limited
to, individuals, pension and profit sharing plans, trusts, estates, charitable organizations, corporations
and other business entities.

Wealth Forward does not require a minimum account size, but there may be minimum account sizes
and fees for the services offered by third-party managers, if used. A minimum annual fee of $500 per
household may be charged. There is a $2,000 annual minimum for hourly financial planning services.