AIO Financial LLC

Item 5 Fees and Compensation
AIO Financial operates on a “fee-only” basis, which means that AIO Financial is compensated solely
for its advice and receives no compensation from the sale of any investments, products or services nor
from any transaction charges. The fees for a managed or advisory portfolio are based either on an annual
percentage of assets or a flat fee, with a minimum fee of $3,000 per year ($750 per quarter). On smaller
accounts, the minimum annual fee may exceed the 1.0% annual percentage listed below. These fees are
negotiable and AIO Financial, at its discretion, may charge a lower fee.

1.      Assets Under Management (AUM):
Description: The AUM compensation is for comprehensive financial planning and monitoring of
investment assets. The focus of our involvement is to assist in achieving client financial/life goals. We
will provide information and resources to help make educated financial decisions as well as provide
strategies and solutions to optimize each client's financial position. A holistic, functional asset allocation
model will be followed in creating, growing, and monitoring net worth and investment assets. Functional
asset allocation looks to establish a diversified investment portfolio through the optimal mix of fixed
income, equity, and real estate investments suited to achieving financial goals.

We believe that investment decisions cannot be made in a vacuum. Full knowledge of client's total
financial position, special funding needs (college education, supporting a parent, travel etc.) tax situation,
retirement objectives, and estate plans are critical for investment decisions, portfolio diversification, and
asset allocation. We work with clients to create an investment portfolio suited specifically to long-term
investment objectives, life goals, risk tolerance, and time frame. Periodic reviews (based on need) will
be completed to assess and monitor cash balances, portfolio diversification, and asset allocation.
Additional reviews and reallocation of assets may be done upon significant changes in the economy,
changes in security investment objectives, new information regarding company or industry outlook,
specific requests by the client or following sentinel life changes (marriage, childbirth, divorce, and
death). Clients receive investment account statements from their Broker/Dealer per their policies and
procedures.

Fees: The fee structure for Assets Under Management is as follows:

        On the first           $500,000                1.00%
        On the next            $500,000                0.70%

       On the next             $1,000,000             0.50%
       On the next             $10,000,000            0.30%
       Above                   $12,000,000            negotiated

Fees are charged quarterly in arrears per agreement. The agreement may be terminated at any time with
a 30 day advance written notice, and fees will be calculated and charged on a prorated basis. Our advisory
fee is negotiable, depending on individual client circumstances. If an alternate fee method is used, it will
be equal to or lower than the fee schedule listed above.

2.       Annual Retainer:
Description: As with AUM compensation, the annual retainer is for on-going comprehensive financial
planning and monitoring of investment assets. The focus of our involvement is to assist in achieving
client financial/life goals.

Fees: We charge a fixed annual fee based on total investment assets (securities accounts, investment
real estate), income and complexity. This fee is paid in arrears, on a quarterly or monthly basis and
ranges from $100 to $5,000 per quarter.

3.     Fixed Retainer:
Description: Pre-defined consulting service is available to individuals wishing to begin a systematic
approach to financial and life planning, or individuals requiring segmented financial overviews (review
of component parts of financial planning such as retirement planning) or segmented implementation.
Generally, the Fixed Retainer is for a one-time meeting and preparation time but could include multiple
meetings depending on the arrangement.

Fees: We charge a fixed one-time fee based on the number of hours needed to complete the requested
service and the complexity of the task. This fee is paid in advance and ranges from $200 to $5,000.

4.      Hourly Consultation:
Description: Hourly consultation is available to individuals wishing to begin a systematic approach to
financial and life planning, or individuals requiring segmented financial overviews (review of
component parts of financial planning such as retirement planning) or segmented implementation. An
hourly rate up to $500/hour is charged.

Fee Billing
Each client is provided an invoice for services rendered. Payment in full is expected upon invoice
presentation.

Comprehensive Financial Planning clients may choose to have this firm deduct fees from designated
client account(s) to facilitate payment. The client must agree in advance to deduct fees from their
investment account. In order to deduct fees from brokerage accounts, clients will need to authorize the
custodian of their account to pay such fees to this firm. This authorization is on the brokerage account
application that the client fills out when opening an account or may be added using the appropriate form
the custodian uses to add such authorizations. Details of fees and billing are presented with each primary
type of service. Please refer to the Fees and Compensation section.

Other Fees

Clients will pay other fees such as custodian fees, mutual fund expenses, brokerage fees and other
transaction costs. AIO Financial receives no compensation whatsoever from any of these fees. Please
refer to Brokerage Practices section for more information.

Custodians (broker-dealers) may charge transaction fees on purchases or sales of stocks, exchange traded
funds, certain mutual funds, and bonds. These transaction charges are usually small and incidental to
...

Item 7 Types of Clients
Description
AIO Financial generally provides investment advice to individuals, families, trusts, and estates. Advice
may extend to entities related to the client such as small businesses and charitable organizations.

Client relationships vary in scope and length of service.

AIO Financial does not impose a minimum dollar value of assets or other financial criteria as
prerequisites to becoming a client of this firm.