Blue Jean Financial LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more
written agreements with the Advisor.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid monthly in arrears, pursuant to the terms of the investment advisory agreement.
Investment advisory fees are based on the market value of assets under management at the end of the month.
Investment advisory fees range from 0.50% to 2.00% annually based on several factors, including: the scope and
complexity of the services to be provided; the level of assets to be managed; and the overall relationship with the
Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other
complexities may be charged a higher fee.

The investment advisory fee in the first month of service is prorated from the inception date of the account[s] to the
end of the first month. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by BJF will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the
Advisor shall not receive any portion of these commissions, fees, and costs.

Financial Planning Services
BJF offers financial planning services for a fixed engagement fee ranging from $900 to $50,000 per engagement.
Financial planning engagements are offered as an ongoing service. Fees may be negotiable based on the nature
and complexity of the services to be provided and the overall relationship with the Advisor.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] at the beginning of the respective month. The amount due is calculated by applying the
monthly rate (annual rate divided by 12) to the total assets under management with BJF at the end of the prior
month. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the
investment advisory fee. Clients are urged to also review the statement provided by the Custodian, as the
Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to
be deducted by BJF to be paid directly from their account[s] held by the Custodian as part of the investment
advisory agreement and separate account forms provided by the Custodian.

Financial Planning Services
Financial planning fees for ongoing financial planning engagements are billed monthly in arrears. The financial
planning agreement for ongoing services continues to be in effect until terminated by either party in accordance
with the financial planning agreement.

                                                  Blue Jean Financial LLC
                                         125 Wolf Road, Suite 509, Albany, NY 12205
                                 Phone: (518) 631-5471 | Website: https://bluejeanfinancial.com

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than BJF, in connection with investments
made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees
charged by the Custodian, as applicable. The Advisor's recommended Custodian may not charge securities
transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms and
conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds
and other types of investments. The fees charged by BJF are separate and distinct from these custody and
execution fees.

In addition, all fees paid to BJF for investment advisory services are separate and distinct from the expenses
charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in
each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds,
other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible
distribution fee. A Client may be able to invest in these products directly, without the services of BJF, but would not
receive the services provided by BJF which are designed, among other things, to assist the Client in determining
which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the
Client should review both the fees charged by the fund[s] and the fees charged by BJF to fully understand the total
fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information.

D. Advance Payment of Fees and Termination
Investment Management Services
BJF may be compensated for its investment management services at the end of the month after services are
rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance written
notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business
days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur
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Item 7 – Types of Clients
BJF offers investment advisory services to individuals, high net worth individuals, trusts, estates, non-
profits/charities, and businesses. BJF generally does not impose a minimum relationship size.