Account Balance                           Annual Fee

Up to $250,000                          $2500.00

$250,000 to $999,999                  1.0%

$1 Million to $1,999,999               .9%

$2 Million to $2,999,999               .8%

Over $3 Million                            .7%

    There are no hourly charges or additional fees associated with our investment advisory and related financial planning consultations. We do not receive commissions or referral fees for our investment services so our complete independence is assured.

    BAM Advisor Services is paid by us out of the fee we receive from you for the services they provide for you through us.

    Charles Schwab and Fidelity Investments, who provide the custodial services for the investment accounts, charge a small transaction fee for purchases and sales of mutual funds and bonds.

    Dimensional Fund Advisors and other mutual funds and ETFs charge an administration and management fee that averages about .45% for the average portfolio of funds. This is an internal fee charged by each mutual fund and comes from the monies invested in that fund.

    The average stock mutual fund charges about 1.5% in M&A internal fees, a price that includes no personalized advice nor the discipline to stay the course during market downturns. Stock Brokers often receive Section 12b-1 fees from mutual funds that they distribute which adds to your costs.

    For the fee they pay, our clients receive:

• A long-term relationship with an experienced CPA financial advisor
• A written Investment Policy Statement
• Tax management and re balancing assistance
• A globally diversified portfolio with access to institutional asset classes funds of DFA
• Charles Schwab or Fidelity's custodial services