Zinnia Wealth Advisory LLC

Fees and Compensation - Item 5

 Financial Planning Services Fees
 Prior to engaging ZinniaWA to provide financial planning services, Clients will be required to enter into a written
 financial planning agreement. The financial planning agreement will set forth the terms and conditions of the
 engagement and will describe the scope of the services to be provided. ZinniaWA will charge fixed or hourly fees
 depending on the arrangement negotiated with the client. If an hourly fee arrangement is negotiated, the fee will
 be up to $500/hour. If a fixed fee arrangement is negotiated, the maximum annual fee will be $20,000.

 Financial planning fees are paid 50% in advance, with the remainder due upon presentation of the plan. We do
 not require payment of fees six or more months in advance of services rendered, nor do we require payments in
 excess of $500 for such services.

 Clients have the option to pay by check, ACH payment, or through a third-party billing system. Payment terms will
 be clearly disclosed in the Financial Planning Agreement signed by ZinniaWA and the client.

Zinnia Wealth Advisory, LLC
Form ADV Part 2B Brochure

 Either party may terminate the financial planning agreement by written notice to the other. In the event the client
 terminates ZinniaWA’s services, the balance of any prepaid, unearned fees (if any) will be promptly refunded to
 the client.

 Portfolio Management Services Fees
 Our annual fee for portfolio management services is based on a percentage of assets under management and is
 billed and payable monthly, in arrears.

 The fee billed by Brookstone Capital Management, LLC is based on the value of the account as of the last business
 day of the billing period, whereas the fee billed by Impact Partnership Wealth, LLC is based on the daily average
 balance of the account for the billing period. Our fees will be assessed pro rata in the event the portfolio
 management agreement is executed at any time other than the first day of a calendar month. However, billing
 practices may be different when required by a specific Broker-Dealer or Custodian and will be fully disclosed in
 their respective account opening documents. On an annualized basis, our fees for portfolio management services,
 subject to negotiation, are based on the following blended fee schedule:

 For Accounts sub advised by Brookstone Capital Management, LLC

   Assets Under Management           ZinniaWA Annualized Fee             Brookstone Fee               Total Fee
   $10,000 to $1,999,999                     1.00%                           0.45%                     1.45%
   $2,000,000 to $3,999,999                  0.85%                           0.45%                     1.30%
   Over $4,000,000                           0.50%                           0.45%                     0.95%

 For Accounts sub advised by Impact Partnership Wealth, LLC

   Assets Under Management             ZinniaWA Annualized Fee      Impact Partnership Fee            Total Fee
   $10,000 to $1,999,999                       1.30%                        0.15%                      1.45%
   $2,000,000 to $3,999,999                    1.15%                        0.15%                      1.30%
   Over $4,000,000                             0.80%                        0.15%                      0.95%

 The fee charged to buy and hold portfolios will be significantly lower than the fee listed above and will be clearly
 stated in the advisory agreement signed by the client and the firm.

 You may terminate the client Agreement upon 15-days' written notice to our firm. You will incur a pro rata charge
 for services rendered prior to the termination of the agreement, which means you will incur advisory fees only in
 proportion to the number of days in the pay period for which you are a client. Refunds are not applicable because
 fees are payable in arrears.

 The fees charged are calculated as described above, and are not charged on the basis of a share of capital gains
 upon, or capital appreciation of, the funds, or any portion of your funds.

 We reserve the right to maintain courtesy accounts that do not incur Management Fees and to exclude certain
 positions from being included in the account balance for purposes of calculating the Management Fee. Also, we
 do not include the value of your insurance products when determining the Management Fee.

 Accounts belonging to members of the same household will be aggregated for purposes of determining the
 advisory fee. This consolidation practice is designed to allow you the benefit of an increased asset total, which
 could potentially cause the accounts to be assessed a reduced advisory fee based on the tiers available in our fee
 schedule as stated above.

 We shall never have physical custody of any Client funds or securities, as the services of a qualified and
 independent custodian will be used for those services. We have contractually assigned fee calculation and

Zinnia Wealth Advisory, LLC
Form ADV Part 2B Brochure

 deduction authority to the sub-adviser. The sub-adviser will calculate and deduct our advisory fee directly from
 your custodial account. The sub adviser will deduct our advisory fee only when you have given them 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. You should review all statements for accuracy.

 The Management Fee is exclusive of, and in addition to any applicable securities transaction and custody fees,
 and other related costs and expenses described above, which you may incur. However, we will not receive any
 portion of these commissions, fees and costs.

 If the disclosure brochure – Part 2 of the Form ADV - is not delivered to you within 48 hours prior to you entering
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Types of Clients - Item 7

 We generally offer investment advisory services to individuals, trusts, estates, charitable organizations,
 corporations, and other business entities.

 ZinniaWA requires a minimum of $10,000 to open and maintain an advisory account. In our sole discretion, we
 may waive this requirement.

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

 Our investment strategies and advice may vary depending upon your specific financial situation. As such, we
 determine investments and allocations based upon your predefined objectives, risk tolerance, time horizon,
 financial horizon, financial information, liquidity needs, and other various suitability factors. Your restrictions and
 guidelines may affect the composition of your portfolio.

 We may use one or more of the following methods of analysis when providing investment advice to you:

     •    Charting Analysis involves the gathering and processing of price and volume pattern information for a
          particular security, sector, broad index, or commodity. This price and volume pattern information is
          analyzed. The resulting pattern and correlation data is used to detect departures from expected
          performance and diversification and predict future price movements and trends. The primary risk of
          charting analysis is that it may not accurately detect anomalies or predict future price movements.
          Current prices of securities may reflect all information known about the security and day-to-day changes
          in market prices of securities may follow random patterns and may not be predictable with any reliable
          degree of accuracy.

     •    Fundamental Analysis is a method of evaluating a company or security by attempting to measure its
          intrinsic value. In other words, trying to determine a company’s or a security’s true value by looking at
          all aspects of the business, including both tangible factors (e.g., machinery buildings, land, etc.) and
          intangible factors (e.g., patents, trademarks, “brand” names, etc.). Fundamental analysis also involves
          examining related economic factors (e.g., overall economy and industry conditions, etc.), financial
          factors (e.g., company debt, interest rates, management salaries and bonuses, etc.), qualitative factors
          (e.g., management expertise, industry cycles, labor relations, etc.), and quantitative factors (e.g., debt-

Zinnia Wealth Advisory, LLC
Form ADV Part 2B Brochure

         to-equity and price-to-equity ratios). The end goal of performing fundamental analysis is to produce a
         value that an investor can compare with the security's current price in hopes of determining what sort
         of position to take with that security (underpriced = buy, overpriced = sell or short). This method of
         security analysis is considered the opposite of technical analysis. Fundamental analysis is about using
         real data to evaluate a security's value. Although most analysts use fundamental analysis to value stocks,
         this method of valuation can be used for just about any type of security. The risk associated with
         fundamental analysis is that information obtained may be incorrect and the analysis may not provide an
         accurate estimate of earnings, which may be the basis for a stock's value. If securities prices adjust rapidly
         to new information, utilizing fundamental analysis may not result in favorable performance.

      • 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. Technical
        trading models are mathematically driven based upon historical data and trends of domestic and foreign
        market trading activity, including various industry and sector trading statistics within such markets.
        Technical trading models, through mathematical algorithms, attempt to identify when markets are likely
        to increase or decrease and identify appropriate entry and exit points. The primary risk of technical
        trading models is that historical trends and past performance cannot predict future trends, and there is
        no assurance that the mathematical algorithms employed are designed properly, updated with new data,
        and can accurately predict future market, industry, and sector performance.

 Asset allocation models used by the sub adviser and/or other third-party investment advisers (listed under Item
 4 above) are developed in accordance with the entities’ investment programs. In these cases, ZinniaWA will not
 implement its own methods of analysis and investment strategies. Clients should refer to the sub adviser’s and/or
 third-party investment advisers’ Form ADV Part 2 Brochures for more information about the methods of analysis
 and investment strategies used by those firms.

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

      • Long Term Purchases – securities purchased with the expectation that the value of those securities will
        grow over a relatively long period of time, generally greater than one year. Using a long-term purchase
        strategy generally assumes the financial markets will go up in the long-term, which may not be the case.
        There is also the risk that the segment of the market that you are invested in or perhaps just your
        particular investment will go down over time even if the overall financial markets advance. Purchasing
        investments long-term may create an opportunity cost - "locking-up" assets that may be better utilized
        in the short-term in other investments.
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