Amara Financial LLC

ITEM 5: FEES AND COMPENSATION

A. Compensation for Advisory Services

As described in greater detail below, Amara charges different types of fees, including fees based on
a percentage of assets under management and fixed fees, depending on the services provided. The
specific fees charged by Amara for its financial planning and investment management services will be
set forth in the Client’s written agreement.

Fees are negotiable at the sole discretion of Amara. In addition, Amara has full discretion to waive
its advisory fees in their entirety. Although Amara believes its advisory fees are competitive, Clients
should be aware that lower fees for comparable services are likely to be available from other sources.

1. Fixed Fees

For Financial Planning and Consulting services, the Firm generally charges a fixed fee. The Firm’s
fixed fees are assessed as a one-time fee, or an ongoing fee dependent upon the services received.
Generally, rates are negotiable, the sole discretion of the Firm, based on the scope and complexity
of the requested services, as stipulated in the Agreement. Payment is due prior to commencement
of services, though Amara could, at its discretion, perform services prior to receiving payment. In
such case, an invoice will be sent to the Client, which is payable upon receipt. Alternately, fees can be
debited from the Client’s custodian account. Clients can terminate the Agreement, without penalty, at
any time upon written notice. At the time of termination, any prepaid fees will be prorated based on
the amount of work completed by the Firm as of the date the notice of termination is received, and
any unearned fees will be returned to the Client.

With regard to Financial Planning and Consulting services, Clients should understand that a
conflict of interest exists because Amara has an incentive to recommend its own investment
management services as the Firm will receive additional compensation for such services. Advice and
recommendations can also be given on non-securities matters and any implementation of Amara’s
recommendations is entirely at the Client’s discretion. Clients are free at all times to accept or
reject any or all recommendations made by Amara and Clients retain the authority and discretion on
whether or not to implement any recommendations.

2. Fees Based Upon a Percentage of Assets Under Management

For Asset Management, Portfolio Monitoring, and Retirement Plan Consulting services, the Firm
charges a fee based upon a percentage of assets under management as of the close of business
on the last business day of the preceding calendar month. The maximum annual investment
management fees charged will not exceed 1.50% and will be outlined in the written agreement
between the Client and Amara. The Firm’s portfolio management fees are calculated and assessed
monthly, in advance.

Investment management fees will be automatically deducted from the Client’s account by the
custodian as soon as practicable following the end of each applicable period. Should a Client open
an account during a month, the Firm’s management fee will be prorated based on the number of
days the account was open during the month. In the event the Firm’s services are terminated mid-
month, any paid, unearned fees will be promptly refunded to the Client. The number of days the
account was managed during the month until termination is used to determine the percentage of
the management fee earned (based on the total number of days in the month) and the balance is
refunded. Advisory fees are negotiable and arrangements with any particular Client can differ from
those described above. In addition, for family members, the Firm will, in its sole discretion, reduce or

waive management fees in their entirety.

The Firm is able to amend its standard fee schedule at any time by giving thirty (30) days advanced
written notice to Clients.

B. Other Fees and Expenses

Clients should understand that, , the fees described above do not include certain charges imposed
by 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)—transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on
brokerage accounts and securities transactions.

Additionally, Clients will incur brokerage commissions and transaction fees. Clients should further
understand that such charges, fees, and commissions incurred in connection with transactions for a
Client’s account will be paid out of the assets in the account and are exclusive of and in addition to
the fees charged by Amara.

C. Additional Information Regarding Amara’s Fees
The advisory fee will be charged on cash and cash equivalents in the account(s), including without
limitation, cash management or short-term sweep accounts, money market funds or bank deposit
products.
Fees are deducted directly from the Client’s account per the agreement the Client executes with
Amara. The agreement Clients execute with Amara specifies that payment of Amara’s management
fees will be made by the qualified custodian directly from Client’s custodial account(s). Further, the
qualified custodian agrees to deliver an account statement to the Client, at least quarterly, showing all
disbursements, including Amara’s advisory fees, deducted from the account.

The Client is encouraged to review all account statements for accuracy. Please note that the fees
charged by investment company funds and the Client’s custodian are exclusive of, and in addition to,
Amara’s investment advisory fee. Please refer to Item 5.B below.

The Clients agreement with Amara can be cancelled at any time, by either party, for any reason,
customarily upon receipt of 30 days written notice. The advance notice requirement for termination
varies by agreement. Upon termination of any account, any prepaid, unearned fees will be promptly
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ITEM 7: TYPES OF CLIENTS

A. Description

Amara provides discretionary investment supervisory and management services on a continuous
basis to individuals, high net worth individuals, corporations, and pension and profit-sharing plans
(“Client”).

B. Conditions for Managing Accounts

The Firm generally does not require a minimum initial investment to open an account. However, the
Firm reserves the right to accept or decline a potential Client for any reason in its sole discretion.
Prior to engaging the Firm to provide any of the investment advisory services described in this
Brochure, the Client will be required to enter into one or more written Agreements with the Firm
setting forth the terms and conditions under which the Firm shall render its services.