93 Financial Group LLC

Item 5. Fees and Compensation
93 Financial offers its services on a fee basis based upon assets under management. Additionally,
certain of 93 Financial’s Supervised Persons offer insurance products under a commission arrangement.

Financial Planning and Consulting Fees

93 Financial does not charge a separate fee for its financial planning and consulting services, but renders
them (as needed) when meeting with new investment management clients and on an ongoing basis when
conducting review meetings.

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93 Financial Group, LLC Disclosure Brochure

Investment Management Fee

93 Financial provides investment management services for an annual fee based upon a percentage of
the market value of the assets being managed by 93 Financial. 93 Financial’s annual fee is exclusive of,
and in addition to brokerage commissions, transaction fees, and other related costs and expenses which
are incurred by the client. 93 Financial does not, however, receive any portion of these commissions,
fees, and costs.

93 Financial’s annual fee is prorated and charged quarterly, in arrears, based upon the market value of
the assets being managed by 93 Financial on the last day of the previous quarter. The annual fee for
investment management services is 1.00% percent of the market value of the assets being managed by
the Firm. The Firm includes cash in a clients account in determining the valuation for billing purposes.
The Firm may, in its sole discretion, not include cash in determining the fee, especially where a client has
a high percentage of cash for reasons other than the Firm's investment management decision.

Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage 93
Financial for additional services for compensation, including rolling over retirement accounts or moving
other assets to the Firm’s management. Clients retain absolute discretion over all decisions regarding
engaging the Firm and are under no obligation to act upon any of the recommendations.

93 Financial, in its sole discretion, may negotiate to charge a lesser management fee based upon certain
criteria (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of
assets to be managed, related accounts, account composition, pre-existing client, account retention, pro
bono activities, etc.).

Fees Charged by Financial Institutions

As further discussed in response to Item 12 (below), 93 Financial recommends that clients utilize the
brokerage and clearing services of Charles Schwab & Co., Inc. (“Schwab”) for investment management
accounts.

93 Financial implement its investment management recommendations only after the client has arranged
for and furnished 93 Financial with all information and authorization regarding accounts with appropriate
financial institutions. Financial institutions include, but are not limited to, Schwab, any other broker-dealer
recommended by 93 Financial, broker-dealer directed by the client, trust companies, banks etc.
(collectively referred to herein as the “Financial Institutions”).

Clients may incur certain charges imposed by the Financial Institutions and other third parties such as
custodial fees, charges imposed directly by a mutual fund or ETF in the account, which shall be disclosed
in the fund’s prospectus (e.g., fund management fees and other fund expenses), deferred sales charges,
odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on
brokerage accounts and securities transactions. Additionally, clients may incur brokerage commissions

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93 Financial Group, LLC Disclosure Brochure

and transaction fees.    Such charges, fees and commissions are exclusive of and in addition to 93
Financial’s fee.

93 Financial’s Agreement and the separate agreement with any Financial Institutions may authorize 93
Financial to debit the client’s account for the amount of 93 Financial’s fee and to directly remit that
management fee to 93 Financial. Any Financial Institutions recommended by 93 Financial have agreed
to send a statement to the client, at least quarterly, indicating all amounts disbursed from the account
including the amount of management fees paid directly to 93 Financial. Alternatively, clients may elect to
have 93 Financial send an invoice for payment.

Fees for Management During Partial Quarters of Service

For the initial period of investment management services, the fees shall be calculated on a pro rata basis.

The Agreement between 93 Financial and the client will continue in effect until terminated by either party
pursuant to the terms of the Agreement. 93 Financial’s fees are prorated through the date of termination
and any remaining balance is charged or refunded to the client, as appropriate.

Clients may make additions to and withdrawals from their account at any time, subject to 93 Financial’s
right to terminate an account. Clients may withdraw account assets on notice to 93 Financial, subject to
the usual and customary securities settlement procedures. However, 93 Financial designs its portfolios
as long-term investments and the withdrawal of assets may impair the achievement of a client’s
investment objectives.

Additions may be in cash or securities provided that 93 Financial reserves the right to liquidate any
transferred securities or decline to accept particular securities into a client’s account.      93 Financial
consults with its clients about the options and ramifications of transferring securities. However, clients are
advised that when transferred securities are liquidated, they are subject to transaction fees, fees
assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications.
...

Item 7. Types of Clients
93 Financial primarily provides its services to individuals, but also provides its services to pension and
profit sharing plans, trusts, estates, charitable organizations, corporations and business entities.