Carlson Financial Inc

ITEM 5 – FEES AND COMPENSATION
LPL FINANCIAL SPONSORED ADVISORY PROGRAMS
We charge a management fee based on the percentage of assets under management. The
management fee for the OMP, GWP* and MWP* is an annual fee that ranges from 0% to 1.35%.
The fee is negotiable.
The management fee will be calculated and collected quarterly, in advance, based on the
account’s prior quarter-end value as reported by the account’s custodian.

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Advisory fees are calculated based on the account value reported by the account’s qualified
custodian as of the applicable billing date, as disclosed above. In certain circumstances, the assets
used for billing purposes may differ from prior period values due to timing differences related to
contributions, withdrawals, transfers, or other account-level cash flows occurring during or near
the billing period.
As a result, the assets under management (“AUM”) used to calculate advisory fees for a given
billing cycle may not precisely match values reflected on prior custodial statements or internal
reporting. These differences are expected and are not the result of billing errors. The Firm reviews
custodial valuations and cash flow activity as part of its billing oversight procedures to confirm
that advisory fees are calculated consistently with client agreements and disclosed billing
practices.
This billing methodology applies consistently across client accounts and is designed to ensure
fees are calculated fairly and in accordance with custodial reporting conventions and the Firm’s
fiduciary obligations.
*The MWP account fee consists of an LPL program fee, a strategist fee (if applicable) and an
adviser fee. Accounts remaining under the legacy fee structure may be charged one aggregate
account fee, for which the maximum account fee will not exceed 2.50%. See the MWP program
brochure for more information.
*GWP Managed Service clients are charged an account fee consisting of an LPL program fee of
0.35%. In the future, a strategist fee may apply. However, PLP Research currently serves as the
sole portfolio strategist and does not charge a fee for its services. FutureAdvisor is compensated
directly by PLP for its services, including the Algorithm and related software, through an annual
sub-advisory fee (tiered based on assets under management by FutureAdvisor, at a rate ranging
from 0.10% to 0.17%). As each asset tier is reached, LPL’s share of the compensation shall
increase, and clients will not benefit from such asset tiers.
GWP Education Tool provides access to sample recommendations at no charge to users.
However, if users decide to implement sample recommendations by executing trades, they will
be charged fees, commissions, or expenses by the applicable broker or adviser, as well as
underlying investment fees and expenses. Account fees are payable quarterly, in advance. The
portfolio management fee will be calculated and collected on a quarterly basis in arrears. The
management fee is based on the custodian’s reported account value as of the last business day
of the quarter. The management fee will be directly deducted from the client’s account by LPL
(see Item 15 for additional details).
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and
expenses that are incurred by the client. Clients may incur other custodian charges, which are
separate from our fees. Also, our fee does not include the third-party investment adviser or LPL’s
management fee in the MWP program.
The programs invest in mutual funds. The client pays the mutual funds a management fee and
other expenses as a shareholder of the mutual fund in addition to paying an advisory fee to us
and LPL for managing the assets. Because mutual funds may be purchased directly, the client

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could avoid the second layer of fees by not using our management services and by making his or
her own investment decisions.
Our advisory representatives are also separately registered representatives of LPL. In this
capacity, our advisory representatives can sell securities to clients and receive compensation in
the form of commissions and 12b-1 fees or trials, however, this compensation will not be
received in connection with investments made in OMP program accounts.
TERMINATION OF 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 giving ten (10) days’ written notice. To cancel the agreement, you
must notify us in writing at 4:8 Financial, 266 Northwest 1st Avenue, Canby, OR 97013. Because
we charge in advance you will receive a prorated refund for the number of days the account was
not managed during the quarter’s billing period. For example, if services were terminated 45
days into a 90-day quarter you will receive a 50% refund (45 days divided by 90 days equals
50%).
RETIREMENT ROLLOVER CONFLICTS OF INTEREST
When we provide investment advice to you regarding your retirement plan account or individual
retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement
Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing
retirement accounts. The way we make money creates some conflicts of interest with your
interests, so we operate under a special rule that requires us to act in your best interest and not
put our interests ahead of yours.

ITEM 7 – TYPES OF CLIENTS
We offer our services to individuals, high net worth individuals, charities, and pension and profit-
sharing plans. We do not require a minimum account balance.