Christian Investment Advisors Inc

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for investment management. Each
Client shall sign an Investment Advisory Agreement that details the responsibilities of CFA and the Client.

Fees for Advisory Services
Account Portfolio Management
Investment Advisory Fees are paid quarterly in advance based on the balance of your account at the end of the
previous calendar quarter. The initial pro-rated quarterly advisory fee is charged at the beginning of the first month
after onboarding based on the balance of the account for the month just ended. Investment Advisory Fees range from
maximum of 1.00% to a minimum of 0.30% based on the following blended fee schedule:

Christian Financial Advisors
130 River Chase Way, Suite B, New Braunfels, TX 78132
Phone: (830) 609-6986 • Fax: (830) 620-1203 • www.christianfinancialadvisors.com

                 Assets Under Management                          Annual Rate
                 First $1,000,000                                    1.00%
                 Next $1,000,000 ($1,000,001 - $2,000,000)           0.75%
                 Next $3,000,000 ($2,000,001 - $5,000,000)           0.50%
                 Over $5,000,000                                     0.30%

At the sole discretion of the Advisor, the investment advisory fees may be negotiable. Criteria used to determine
these fees include but is not limited to; current local industry comparison, size of the portfolio, complexity, and scope
of the services to be rendered.

Financial Planning
À la carte Financial Planning Program
Financial planning and consulting fees are collected upon booking the initial financial planning meeting. If
additional time is needed, then fees will be collected at the time of booking the additional meeting(s) based on the
estimated time needed. The initial appointment is for a 1-hour block of time for up to $350 per hour billed through
Stripe, an internet-based billing platform. Follow-up meetings are billed for a minimum of one (1) hour at up to $350
per hour payable in advance via Stripe. Should additional time be needed during the initial meeting, or during an
additionally scheduled meeting, the time is rounded up to the nearest quarter-hour (up to $87.50 per quarter-hour or
$350 per hour) and is then billed via Stripe after the meeting is completed. There may be charges for live phone calls
or in-person support depending on your service level.

Subscription-Based Financial Planning Program
A Subscription-based Financial Planning Program provides holistic/comprehensive financial planning for a fixed
monthly fee. Clients will have three to four scheduled meetings during the Initial Year, depending on the individual
situation, and generally two to four scheduled meetings during Renewal Years. Meetings are conducted by
telephone, online, or email, as needed, not to exceed two hours per month.

Services provided could encompass potential areas of focus, including but not limited to identifying current and
future expenses, cash flow, insurance review and needs analysis, employee benefits, retirement plan review,
investment review, retirement planning, income planning strategies, social security, estate planning, long-term care
planning, and tax planning.

We charge a monthly subscription-based fee of up to $500 per month, which shall be negotiable depending upon
certain circumstances. Subscription-based fees shall be paid in advance, in monthly installments. With assets under
management of $1,000,000 or more, the ongoing monthly fee may be waived at the adviser’s discretion. Subscription-
based fees can be paid by check made payable to Christian Investment Advisors, Inc., via credit card through Stripe,
via ACH through Stripe or by direct debit from the client’s account at the custodian. Your financial planning
agreement will detail the amount of the fee you will pay, the frequency with which the fee shall be paid and the
payment method you select.

Subscription-Based fees are calculated based on the Client’s(s’) total income, assets, and overall complexity of their
financial situation. Fees are always disclosed in advance of entering into the financial planning agreement.

Advance Payment of Fees and Termination
Account Portfolio Management
CFA is compensated for its services in advance of the quarter in which investment advisory services are rendered.
Clients may request to terminate their Investment Advisory Agreement with CFA, in whole or in part, by providing
advance written notice. The Client shall be responsible for Investment Advisory Fees up to and including the
effective date of termination. Upon termination, the Advisor will refund any unearned, prepaid Investment
Christian Financial Advisors
130 River Chase Way, Suite B, New Braunfels, TX 78132
Phone: (830) 609-6986 • Fax: (830) 620-1203 • www.christianfinancialadvisors.com

Advisory Fees from the effective date of termination to the end of the quarter. The Client’s Investment Advisory
Agreement with the Advisor is non-transferable without Client’s written approval.

Unaffiliated Money Management
If a Client should wish to terminate their relationship with an unaffiliated investment advisor, the terms for
termination will be set forth in the respective agreements between the Client and those third parties. CFA will assist
the Client with the termination and transition as appropriate.

À la carte Financial Planning Program
If an appointment is cancelled less than 24 hours before the scheduled time, a charge of $100 will be incurred for the
last-minute change and the remainder of the appointment fee will be refunded. Reschedules are allowed at no
additional fee if made at least 24 hours ahead of time otherwise there will be a charge of $100 for the last-minute
change. CFA has the right to waive the last-minute fee if a valid emergency occurs. In the event of a rescheduling less
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Item 7 – Types of Clients
CFA offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable
organizations, corporations, and broker/dealer. The relative percentage for each type of Client is available on CFA’s
Form ADV Part 1. These percentages will change over time. CFA generally imposes a minimum account size of
$5,000 for establishing a relationship. This can be waived at our sole discretion.