API Financial Advisors LLC

Item 5 – Fees and Compensation
FINANCIAL PLANNING SERVICES
For our financial planning services, we charge an hourly rate of $300. At the beginning of
engagement, we will provide you with a written estimate of the number of hours we believe the
service will take. We will track the time we spent collecting your information, analyzing and
researching the chosen topics, and time presenting the findings to you. The fee is negotiable. A
portion of the fee may be collected up-front upon signing the financial planning agreement, and
the remaining balance will be collected upon delivery of the written financial plan. In other cases,
the fee will be due at the final meeting or upon delivery of the written financial plan.
TERMINATION OF FINANCIAL PLANNING SERVICES
You may terminate any service for any reason within the first five (5) business days after signing
an advisory contract, without any cost or penalty. Thereafter, the advisory contract may be
terminated at any time by either party. To cancel the agreement, you must notify us in writing at
API Financial Advisors, LLC 1950 Rockledge Blvd, Unit 201, Rockledge, FL 32955. For fees charged
in advance, you will receive a prorated refund of any unearned fees based on the percentage of
work completed.
PORTFOLIO MANAGEMENT AND PARTICIPANT ACCOUNT MANAGEMENT
We charge our clients an annual management fee based on a percentage of assets under
management in your account as reported by the custodian. Our annual management fee varies
but will be no more than 1.95%. You will also be charged an asset-based fee that covers trading
costs of 0.10%.
The management fee is calculated and billed monthly in advance, meaning that we will collect
the fee at the beginning of the month based on the custodian’s reported account value as of the
last business day of the prior month. Our management fee is negotiable, and the negotiated
management fee will be stated in the client’s signed agreement. Cash balances and investments
in money market funds, demand deposit accounts, or certificates of deposit held in your account
are included in the fee calculations.
We will ask our portfolio management client to authorize us with the ability to direct the

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custodian to withdraw our management fee directly from your account. You may terminate this
authorization at any time, or it will be canceled should the account be moved.
For our participant account management clients, we will request the ability to deduct the fee
from another account we manage for the client.
Our management fee includes the sub-adviser’s management fee, but it does not include
brokerage commissions, transaction fees, or other related costs and expenses that are incurred
by you. You may incur certain charges imposed by custodians, brokers, and other third parties
such as fees charged by managers, custodial fees, 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. Mutual funds and exchange traded funds also charge
internal management fee, which are disclosed in a fund’s prospectus. These charges, fees, and
commissions are exclusive of and in addition to our fee and we will not receive any portion of
these charges, fees, or commissions.
TERMINATION OF PORTFOLIO MANAGEMENT SERVICES
You may terminate our portfolio management services for any reason within the first five (5)
business days after signing the contract without any cost or penalty. Thereafter, the contract
may be terminated at any time by giving ten (10) days’ written notice at API Financial Advisors,
LLC, 1950 Rockledge Blvd., Unit 201, Rockledge, FL 32955. Management fees are calculated and
billed monthly in advance and are deemed earned when assessed. Accordingly, no prorated
refund of advisory fees will be provided upon termination. Any advisory fees previously assessed
for the current billing period shall be retained by the Firm.
The client remains responsible for any fees incurred prior to the effective date of termination.
RETIREMENT ROLLOVER CONFLICTS OF INTEREST
When we recommend you rollover a retirement account for us to manage, this creates a financial
incentive because we charge a fee for our services. We attempt to mitigate the conflict of interest
by acting in your best interest and applying an impartial conduct standard to all rollovers. Please
note that you are not under any obligation to roll over a retirement account to an account
managed by us.

Item 7 – Types of Clients
We offer our services to individuals and high net worth individuals. We require a minimum
account size of $20,000. However, our minimum account size is waivable at our discretion.

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