A Better Way Financial LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ONGOING FINANCIAL PLANNING AND CONSULTING
 A Better Way Financial charges a fixed fee ranging from $500 to $2,399 per year for
 ongoing financial planning services. The fixed fee is dependent upon your financial
 situation, the number of topics to be covered in the written plan; as well as the time
 devoted to writing, researching, and updating your plan and the complexity of your tax
 return.
 The annual fee is billed and collected twice per year. The fee may be deducted directly
 from a custodial account managed by A Better Way Financial, or paid by a check made out
 to “A Better Way Financial”. The financial planning agreement will show you what you will
 be charged, frequency of payments, and method of payment chosen by you.
 Client may cancel within five (5) business days of signing Agreement with no obligation
 and without penalty. If Client cancels after five (5) business days, any unearned fees will be
 refunded to the Client, or any unpaid earned fees will be due to A Better Way Financial.
 Fees will continue from year to year unless cancelled by either party in writing.
 PORTFOLIO MANAGEMENT
 A Better Way Financial offers discretionary direct asset management services to advisory
 Clients. A Better Way Financial charges an annual investment advisory fee based on the
 total assets under management as follows:
               Assets Under Management                      Annual Fee         Monthly Fee
             First $500,000 ($0-$500,000)                     1.50%             0.125%
     Your next $500,000 ($500,000.01 - $1,000,000)            1.25%             0.104%
    Your next $500,000 ($1,000,000.01 - $1,500,000)           1.00%             0.083%
    Your next $500,000 ($1,500,000.01 - $2,000,000)           0.85%             0.071%
         Subsequent amounts ($2,000,000.01+)                  0.75%             0.0625%
 This is a tiered/blended fee schedule, the asset management fee is calculated by applying
 different rates to different portions of the portfolio. A Better Way Financial may group
 certain related Client accounts for the purposes of achieving the minimum account size and
 determining the annualized fee.
 The management fee is calculated and billed monthly, in arrears, meaning that the
 management fee is collected at the end of the month’s billing period. The management fee
 will be based on the daily average balance of the account. The calculation for the average
 daily balance is based on the formula (A/D) x (F/P).
 A = the sum of the daily balances in the billing period
 D = number of days in the billing period
 F = annual management fee
 P = number of billing periods per year
 Step 1: Based on monthly billing cycle: Calculate the average of the values of the Client’s
 account over the course of the entire month to determine the average daily balance.

           Day      Balance     Day     Balance       Day   Balance

            1    $1,175,308    11 $1,175,328 21       $1,175,354
            2    $1,175,998    12 $1,176,018 22       $1,176,044
            3    $1,200,042    13 $1,200,062 23       $1,200,088
            4    $1,202,374    14 $1,202,394 24       $1,202,420
            5    $1,199,724    15 $1,199,744 25       $1,199,770
            6    $1,199,768    16 $1,199,788 26       $1,199,814
            7    $1,174,270    17 $1,174,290 27       $1,174,316
            8    $1,195,270    18 $1,195,290 28       $1,195,316
            9    $1,205,174    19 $1,205,194 29       $1,205,220
           10    $1,198,716    20 $1,198,736 30       $1,198,762
                              Total of days 1-30    $35,780,592
                             Average daily balance
                          ($35,780,592 (A)/30 (D)) = $1,192,686.40
Once the average daily balance has been determined, then the tiered fee schedule will be
applied.
Client with average daily balance of $1,192,686.40 would pay $1,304.93 on a monthly basis.
             AUM                   Monthly fee        Total
             First $500,000        x 0.125% =         $625
             Next $500,000         x 0.104% =         $520
             Next $192,686.40      x 0.083% =         $159.93
             Total for the month                      $1,304.93
Cash balances and investments in money market funds, demand deposit accounts, or
certificates of deposit held in the account are included in the fee calculations as A Better
Way Financial considers cash to be an asset class. Also, to be noted, at times fees will
exceed the money market yield. Fees are billed monthly in arrears based on the amount of
assets managed as of the close of business on the last business day of the previous month.
Lower fees for comparable services may be available from other sources. Clients may
terminate their account within five (5) business days of signing the Investment Advisory
Agreement with no obligation and without penalty. After the initial five (5) business days,
the agreement may be terminated by A Better Way Financial with thirty (30) days written
notice to Client and by the Client at any time with written notice to A Better Way Financial.
If cash and/or securities are deposited into or withdrawn from an existing account mid
billing period a prorated fee will be charged for that portion of the account. For accounts
opened or closed mid-billing period, fees will be prorated based on the days services are
provided during the given period. All unpaid earned fees will be due to A Better Way
Financial. Client shall be given thirty (30) days prior written notice of any increase in fees.
Any increase in fees will be acknowledged in writing by both parties before any increase in
said fees occurs.
A Better Way Financial may also utilize the services of a Sub-Advisor to manage Clients’
investment portfolios by executing a Sub-Advisor agreement with other registered
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Item 7: Types of Clients
Description
 A Better Way Financial generally provides investment advice to individuals, high net worth
 individuals, business entities, and charities. Client relationships vary in scope and length of
 service.
Account Minimums
 A Better Way Financial requires a household minimum of $500,000 to open and maintain
 an account. In certain instances, the minimum account size may be lowered or waived at A
 Better Way Financial’s discretion.