Westco Advisory Services Inc

Fees and Compensation
      Description
      Westco Advisory Services, bases its fees on a percentage of assets under
      management, hourly charges, and fixed fees.
      Financial plans are priced, in advance, according to the degree of complexity
      associated with the client’s situation.

      Fee Billing
      Investment management fees for individually managed accounts are billed
      quarterly, in advance, meaning that we invoice you before the three-month
      billing period has begun. Fees are usually deducted from a designated client
      account to facilitate billing. The client must consent in advance in writing to
      direct debiting of their investment account. Accounts that are custodied at
      Schwab are billed at this method.
      Participant Account Management (Discretionary) fees will be assigned to the
      client’s taxable accounts on a pro-rata basis. If the client does not have a
      taxable account, those fees will be billed directly to the client. Accounts
      initiated or terminated during a calendar quarter will be charged a pro-rated
      fee based on the amount of time remaining in the billing period. An account
      may be terminated immediately upon written notice. Since fees are billed in
      advance, if an account is terminated, the client will receive pro-rated return of
      fees. It will be based on total held away asset from each company. For
      instance if we obtain assets from a particular company, their combined
      amount can trigger a breakpoint.
      Outside money managers may use a different billing cycle or a different
      calculation method. Each will be disclosed later in this brochure on pages 9
      and 10 in the section dealing with outside money managers.
      Fees for financial plans are billed 50% in advance, with the balance due upon
      delivery of the financial plan.
      After delivery of the financial plan the client has up to 20 days to return it for a
      full refund if they are not satisfied for any reason whatsoever.

      Other Fees
      Custodians may charge transaction fees on purchases or sales of securities.
      These transaction charges are usually small and incidental to the purchase or

                            Westco Advisory Services, Inc.

      sale of a security. The selection of the security is more important than the
      nominal fee that the custodian charges to buy or sell the security.
      Westco Advisory Services, Inc., in its sole discretion, may waive its minimum
      fee and/or charge a lesser investment advisory fee based upon certain criteria
      (e.g., historical relationship, type of assets, anticipated future earn capacity,
      anticipated future additional assets, dollar amounts of assets to be managed,
      related accounts, account composition, negotiations with clients, etc.).

      Expense Ratios
      Mutual funds generally charge a management fee for their services as
      investment managers. The management fee is called an expense ratio. For
      example, an expense ratio of 0.50 means that the mutual fund company
      charges 0.5% for their services. These fees are in addition to the fees paid
      by you to Westco Advisory Services, Inc.
      The expense ratio for an Exchange Traded Fund (ETF) will usually range
      from .05 to .6 and will be disclosed in the proposal for the account.
      Performance figures quoted by mutual fund companies in various publications
      are after their fees have been deducted.

      Past Due Accounts and Termination of Agreement
      Westco Advisory Services, Inc. reserves the right to stop work on any account
      that is more than 30 days overdue. In addition, Westco Advisory Services,
      Inc. reserves the right to terminate any financial planning engagement where
      a client has willfully concealed or has refused to provide pertinent information
      about financial situations when necessary and appropriate, in Westco
      Advisory Services, Inc.’s judgment, to providing proper financial advice. Any
      unused portion of fees collected in advance will be refunded within 15
      business days.

Types of Clients
      Description
      Westco Advisory Services, Inc. generally provides investment advice to
      individuals, pension and profit-sharing plans, trusts, estates, or charitable
      organizations, corporations or business entities.
      Client relationships vary in scope and length of service.

      Account Minimums
      The minimum account size is $100,000 of assets under management, which
      equates to an annual fee of $1500.00.
      When an account falls below $100,000 in value, the minimum annual fee of
      $1500.00 is charged.
      Westco Advisory Services, Inc. has the discretion to waive the account
      minimum. Accounts of less than $100,000 may be set up when the client and
      the advisor anticipate the client will add additional funds to the accounts
      bringing the total to $100,000 within a reasonable time or when the aggregate
      of all of the client’s accounts total $100,000. Other exceptions will apply to
      employees of Westco Advisory Services, Inc. and their relatives, or relatives
      of existing clients.
      Clients receiving ongoing portfolio management services will be assessed a
      $1500 minimum annual fee. Clients with assets below the minimum account
      size may pay a higher percentage rate on their annual fees than the fees paid
      by clients with greater assets under management.
      This minimum applies to accounts opening as of 4/01/2015.

Methods of Analysis, Investment Strategies and Risk of Loss