Winning Points Advisors LLC

Item 5: Fees and Compensation

Refer to the Advisory Business section above for additional disclosures on our fees and
compensation.

Additional Fees and Expenses

As part of our investment advisory services to you, we may invest, or recommend that you
invest, in mutual funds and exchange traded funds. The fees that you pay to our firm for
investment advisory services are separate and distinct from the fees and expenses charged
by mutual funds or exchange traded funds (described in each fund's prospectus) to their
shareholders. These fees will generally include a management fee and other fund expenses.
Other transaction charges and/or brokerage fees will be charged when purchasing or selling
securities. These charges and fees are typically imposed by the broker-dealer or custodian
through which your account transactions are executed. We do not share in any portion of the
brokerage fees/transaction charges imposed by the broker-dealer or custodian. In order to
fully understand the total cost, you will incur, you should review all the fees charged by mutual
funds, exchange traded funds, our firm, and others. For information on our brokerage
practices, please refer to the "Brokerage Practices" section of this Disclosure Brochure.

WPA recommends mutual funds where, WPA serves as the investment manager, to our clients.
As a result, WPA receives management fees paid by the Funds. WPA does not charge clients
any advisory fees on the value of the shares of the Funds held by the client.

Compensation for the Sale of Other Investment Products

Persons providing investment advice on behalf of our firm are licensed as independent
insurance agents. These persons will earn commission-based compensation for selling
insurance products, including insurance products they sell to you. Insurance commissions
earned by these persons are separate and in addition to our advisory fees. This practice
presents a conflict of interest because persons providing investment advice on behalf of our firm
who are insurance agents have an incentive to recommend insurance products to you for the
purpose of generating commissions, rather than solely based on your needs. However, you are
under no obligation, contractually or otherwise, to purchase insurance products through any
person affiliated with our firm.

Item 7: Types of Clients

WPA offers investment advisory services to individuals, investment companies, pension and
profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business
entities.

WPA does not require a minimum account size to establish or maintain an advisory account;
however, we reserve the right to terminate accounts we believe are too small to be effectively
managed.