Item 5 Fees and Compensation
Fees
Fees are customized and are dependent on the amount of work involved, any client-specific consulting
needs, and the size of the account. We receive no compensation from any source other than the fees
paid to us by our clients. Fees can be either a percentage of assets or a fixed fee. Fees may range
from 0.05% to 1.00% of the asset value per year and/or may be set as a fixed fee for a certain pre-
determined period of time. Fees are paid either quarterly in advance or quarterly in arrears. The
advisory agreement details your specific fee arrangements.
Typically, fees for individual projects will be a negotiated one-time fee due upon completion of the
relevant project. However, all fees and terms will be negotiated between us and the client in advance
of services rendered and outlined in the client agreement.
Termination of Services
Either party to the Advisory Agreement can terminate the Advisory Agreement upon 30 days' written
notice. If applicable, any prepaid, unearned fees will be refunded to you.
Additional Fees and Expenses
Our consulting fees do not include investment management fees, custody/recordkeeper/program
manager fees, transaction costs, retirement plan administrator costs or any fees charged by other
service providers. In our role as a fiduciary, we use our knowledge of the marketplace to work diligently
to assist with identifying and negotiating the best services, at a reasonable cost, from third-party
service providers.
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You will also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not
share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
custodian. To fully understand the total cost you will incur, you should review all the fees charged by
mutual funds, exchange traded funds, our firm, and others. For information on our brokerage practices,
please refer to the "Brokerage Practices" section of this brochure.
Compensation for the Sale of Securities or Other Investment Products
Neither our firm nor our Associated Persons are licensed to sell securities, insurance, or any other
investment products. Therefore, they do not earn any additional compensation in the connection with
investments made on behalf of your account(s).