Beyond Financial Services

5. Fees and Compensation
BFS is generally compensated for advisory accounts on a fee basis, based on a percentage of assets under
management. The following is BFS’s basic fee schedule, which is applied incrementally on the assets
under management. Fees are billed quarterly, in advance, and are negotiable. Advisory account fees are
automatically deducted from Client’s account(s) pursuant to their authorization in the investment advisory
agreement. BFS charges an hourly fee for initial consultation at $350 per hour. The consultation fee is
refunded to Client if Client uses our advisory service. Transaction charges are included in the quarterly
investment advisory service fee.

                                  Balance        Annually        Quarterly
                    First:      $ 500,000         1.25%          0.3125%
                    Next:       $ 500,000         1.00%          0.2500%
                    Next:       $ 1,000,000       0.80%          0.2000%
                   Above:       $ 2,000,000       0.60%          0.1500%

Certain investments, when transferred into or held within the account, or as otherwise agreed to by Client
and Advisor, will be designated “Administrative-Only Investments.” These Administrative-Only
Investments shall refer to investments designated by Advisor when transferred into or held within the
account, which are held for administrative purposes only and are exempt from the advisory fee calculation.
Please refer to Advisor’s ADV Part 2A for additional information, inclusive of what types of investments
qualify as Administrative-Only and when these investments may become subject to fees.

A portion of the annual asset-based advisory fee is paid to Raymond James Financial Services, Inc.
(RJFS), a member of FINRA/SIPC, for administration of the account, which includes producing account
statements detailing account assets, transactions, the receipt and distribution of funds, receipts of interest
and dividends, and investment gains or losses. Advisory accounts must execute all transactions through
RJFS (See Other Financial Industry Activities and Affiliations).

Client should be aware that all mutual funds incur internal expenses for portfolio management services
and fund administrative services. These internal fees are disclosed in the fund prospectus. Internal
expenses of bond funds tend to be lower than for equity funds. The advisory fee charged will be in addition
to mutual fund internal expenses.

The Advisor does not receive any part of any fees for portfolio management or fund administrative
services. The Client understands that certain funds may be obtained directly from the sponsoring fund
organization without the assistance of the Advisor.

Certain open-end mutual funds assess distribution fees pursuant to Rule 12b-1 under the Investment
Company Act of 1940 as amended. RJFS and the Advisor are eligible to share in such fees, which
generally equal 0.25% (but may exceed 0.25%) of the mutual fund account balance each year. These fees
are disclosed in the prospectus for each mutual fund. However, where 12b-1 share classes that pay such
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fees are recommended and subsequently purchased for a Client’s account, any 12b-1 fees received by
either RJFS or the Advisor are credited bi-monthly to the Client’s account(s). The Advisor recommends
no-load mutual funds as well as mutual funds with the load waived. Additionally, the Client understands
that no-load mutual funds may be transacted directly with the sponsoring fund organization, without
assistance of the Advisor, with no transaction or processing fee.

The Advisor does not accept compensation for the sale of securities or other investment products,
including asset-based sales charges or service fees from the sale of mutual funds or insurance products.

Client may also incur charges for other account services provided by RJFS not directly related to the
execution and clearing of transactions in which BFS does not share. These include, but are not limited to,
retirement account custodial fees, conservatorship fees, interest charges on margin loans, and fees for legal
or courtesy transfers of securities.

In addition to asset-based charges for advisory accounts as described above, for services not provided on
an asset fee basis, the Advisor may be compensated through fixed fees, hourly charges, or commissions.
Fixed fees and hourly charges are not deducted from the Client’s account(s) but are billed directly to the
Client as they occur. Lower fees for comparable services may be available from other sources. For work
performed on the basis of hourly fees (not exceeding $500 per hour) or fixed charges, the Client will be
provided with an estimate of total fees required to complete the work. Estimates for hourly fees, or the
amount of any fixed charges are determined based on an estimate of the difficulty and time anticipated to
complete the contracted work. No hourly fee or fixed charge work will be performed without prior Client
approval.

Client may terminate an investment advisory agreement within 5 days of execution and may receive a
refund of all unearned fees paid (if any). In any event, the Client or Advisor may terminate an investment
advisory agreement, for any reason, on 30 days written notice. 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 BFS and all unearned fees will be refunded to the Client. Any increase in fees
will be acknowledged in writing by both parties before any increase in said fees occurs. For non-asset-
based fees, refunds are based on the difference between actual hours of work completed billed at the rate
stated on the agreement, and fees received.

7. Types of Clients
BFS generally provides portfolio management services to individuals and families, high net worth
individuals, trusts, estates, special needs trustees, conservatorships, and non-profit organizations.
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As a condition for starting and maintaining an advisory relationship with BFS, we generally require that
you have a minimum investment amount of $200,000. We, at our sole discretion, may allow you to engage
our services if you have a smaller account. Some factors we may consider in making this determination
include, but are not limited to, pre-existing Client relationships with you or your family members, any
additional assets you anticipate receiving in the future, your account composition, and your anticipated
future earning capacity.