X Advisors LLC

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Asset Management Services:

The maximum annual fee charged for this service will not exceed 2.50%. Fees to be assessed will be
outlined in the advisory agreement to be signed by the Client and are based on the scope and
complexity of each Client’s circumstance(s). Our firm bills on cash unless indicated otherwise in
writing. Annualized fees are billed on a pro-rata basis monthly in advance based on the value of the
account(s) on the last business day of the previous month. Fees are negotiable and will be deducted
from client account(s). Our firm does not offer direct invoicing. As part of this process, Clients
understand the following:

    a) The client’s independent custodian sends statements at least quarterly showing the market
       values for each security included in the Assets and all account disbursements; including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
       firm will send an invoice directly to the custodian; and
    c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
       information provided in our statement with those from the qualified custodian will be
       included.

Financial Planning Services

Our firm charges on a flat fee basis for financial planning services. The total estimated fee, as well as
the ultimate fee charged, is based on the scope and complexity of our engagement with the client. Flat
fees will not exceed $10,000. The fee-paying arrangements will be determined on a case-by-case
basis and will be detailed in the signed agreement. Our firm will not require a retainer exceeding
$1,200 when services cannot be rendered within 6 months.

ADV Part 2A – Firm Brochure                    Page 7                                        X Advisors, LLC

Defined Contribution Plan Services

Our firm is compensated through an annualized asset-based fee, which will be paid monthly in
advance. Fees are negotiable and are not based on a share of capital gains upon or capital
appreciation of the funds or any portion of the funds. Our firm doing business will quote the Plan a
fee based on the fee range below. The fee will be determined based on several factors including size
and complexity of the plan, complexity of services, and number of educational seminars per year.
Fees range from .40% to .50% of plan assets annually. The management fee is a percentage of the
market value of the assets in the account and is agreed upon with the client in the advisory contract
prior to the onset of service. No fee adjustments will be made for additional deposits to the Plan or
partial withdrawals from the Plan or for account appreciation or depreciation during a calendar
month. The account management fee will be payable monthly in advance and will be calculated as a
percentage of the market value of all assets in the account on the last business day of each calendar
quarter.

Payment to our firm must be made payable to our firm within 30 days of receipt of the invoice.

In addition to our firm’s advisory fee above, the Plan and/or Plan participants may pay third party
administrator fees, custodial fees, account maintenance fees and other fees associated with maintain
the Plan Account. Such fees are not charged by our firm and are charged by the product,
broker/dealer or account custodian. Our firm does not share in any portion of such fees. Additionally,
the Plan and/or Plan participants may pay a proportionate share of the fund’s management and
administrative fees and sales charges as well as the mutual fund adviser’s fee of any mutual fund
purchased. Such advisory fees are not shared with our firm and are compensated to the fund-
manager.

Our firm will not receive trail compensation for any other additional compensation on Plan assets
other than its advisory fee invoiced.

Our firm, its advisors, or the client may terminate this fee-based relationship at any time by providing
written notification to the other. In such a circumstance, the monthly fee will be pro-rated based on
the number of days the account was open during the current month and the client will be refunded
any pre-paid, unearned fees.

Consultation Services

Consultation fees are negotiable but are typically based on an hourly rate ranging from $400-$500
per hour or a flat rate to be determined on a case-by-case basis. Regardless if the fee is assessed at an
hourly rate or as a flat fee, the rate will be defined in the consultation agreement that will be validated
by both parties.

Otherwise, the client will be billed upon completion of the project. Our firm, its investment adviser
representatives, or the client may terminate this consultative relationship at any time by providing
written notification to the other. Client will be responsible for any time spent by our firm in providing
the consultative services, but any unearned prepaid fees (in the case of a retainer) will be refunded
to the client.

ADV Part 2A – Firm Brochure                     Page 8                                        X Advisors, LLC

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by the required custodian, via individual
transaction charges. These transaction fees are separate from our firm’s advisory fees and will be
disclosed by the required custodian, Charles Schwab & Co., Inc. (“Schwab”) which does not charge
transaction fees for U.S. listed equities and exchange traded funds.

Clients may also pay holdings charges imposed by the required custodian for certain inherited
investments, charges imposed directly by a mutual fund, index fund, or exchange traded fund, which
shall be disclosed in the fund’s prospectus (e.g., fund management fees and other internal fund
expenses), distribution fees, surrender charges, variable annuity fees, IRA and qualified retirement
...

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Corporations, Limited Liability Companies and/or Other Business Types
   • Pensions and profit-sharing plans

Our firm does not impose requirements for opening and maintaining accounts or otherwise engaging
us.