The cost of fees and under-performance over time can be significant. Given a $1 million portfolio, the pie charts below illustrate the
erosion of earnings over the last ten year period compared to the benchmark Via Four portfolio. Via Four fees are among the lowest in the industry,
with no additional charges or commissions. Custodial transaction fees are approximately $25 per mutual fund purchase and sale. Total custodial
transaction fees per year for accounts that require annual rebalancing (under $1 million) are approximately $225 and $900 for accounts
that require quarterly rebalancing (greater than $1 million). Via Four never places client investments in “loaded” funds or stocks requiring sales
fees.