Clear Creek Financial Management LLC

Item 5: Fees & Compensation

    Compensation for our Advisory Services

    Asset Management:

    The maximum annual fee charged for this service will not exceed 1.50%. Fees to be assessed will be
    outlined in the advisory agreement to be signed by the Client. Annualized fees are billed on a pro rata
    basis monthly in arrears based on the average daily balance of your account(s) during the previous
    month or quarterly in advance based on the value of the account(s) on the last day of the previous
    quarter. In rare cases, our firm may charge a flat fixed dollar amount on an annual, quarterly, or
    monthly basis rather than an advisory fee based on a percentage of assets under management. The
    specific billing arrangement will be specified in the signed agreement. Adjustments are made for
    deposits and withdrawals during the quarter for clients billed in advance. Our firm bills on cash and
    cash equivalents unless indicated otherwise in writing. In rare cases, our firm will agree to directly
    invoice. Fees are negotiable and will be deducted from client account(s). As part of this process,
    clients understand the following:

ADV Part 2A – Firm Brochure                        Page 6                        Clear Creek Financial Management, LLC

         a) The client’s independent custodian sends statements at least quarterly showing the market
            values for each security included in the assets and all account disbursements, including the
            amount of the advisory fees paid to our firm.
         b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
            firm will send an invoice directly to the custodian.
         c) If our firm sends a copy of our invoice to the client, our invoice will include a disclosure urging
            the client to compare the information provided in our statement with those from the qualified
            custodian.

    In addition, our firm reserves the right to charge a monthly fee of up to $10, which is in addition to
    our firm’s advisory fee, to cover custodial expenses. The specific fee will be disclosed in the client’s
    signed advisory agreement.

    Financial Planning & Consulting:

    We charge on an hourly or flat fee basis for Financial Planning and Consulting services. The total
    estimated fee, as well as the ultimate fee that we charge you, is based on the scope and complexity of
    our engagement with you. Our maximum hourly fee is $350. Flat fees generally range from $250 to
    $100,000. Our firm will negotiate with the client on whether to charge on an hourly or flat fee basis.

    Clients who are charged at the lower end of the flat fee scale are given basic financial planning and
    consulting services for client investable assets according to their unique financial objectives. Clients
    who are charged at the higher end of the flat fee scale can expect a comprehensive detailed written
    report of investment recommendations to suit the Client’s various financial goals that address a wide
    spectrum of financial topics which may include tax issues, legacy planning, college planning,
    insurance, and other individual financial needs.

    Helios Quantitative Research:

    We charge an hourly fee, flat fee, or fee based on the percentage of assets under management for
    Helios Quantitative Research services offered to other investment advisers. The total estimated fee,
    as well as the ultimate fee charged, is based on the scope and complexity of our engagement with the
    client. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed
    in the signed agreement.

    Hourly Fee
    The maximum hourly fee to be charged for Helios Quantitative Research services will not exceed
    $1,000.

    Flat Fee
    Our flat fees for Helios Quantitative Research services are charged monthly based on the investment
    adviser’s number of locations and their number of registered financial advisors at the time of the
    signing of our service agreement. The monthly flat fee is structured as follows:

    Base fee + 1 Financial Advisor: $3,500 to $4,00 (depending on service level)
    Financial Advisors: $500 per additional financial advisor

    Special pricing offers outside of this range are at the sole discretion of our firm.

ADV Part 2A – Firm Brochure                          Page 7                         Clear Creek Financial Management, LLC

    Fee Based on Percentage of Assets Under Management
    Fees based on a percentage of assets under management will not exceed 0.20% for Helios
    Quantitative Research services.

    Pension Consulting:

    We charge an hourly fee, flat fee, or a fee based on the percentage of Plan assets under management
    for Pension Consulting services. The total estimated fee, as well as the ultimate fee that we charge
    you, is based on the scope and complexity of our engagement with you. Our hourly fee is $250. Our
    flat fees generally range from $750 to $12,000. Flat fees will be charged quarterly for ongoing pension
    consulting services. Fees based on a percentage of managed Plan assets will not exceed 1.00%.

    Clients who are charged at the lower end of the flat fee scale are given basic consulting services which
    include assisting employer plan sponsors in establishing, monitoring and reviewing their company's
    participant-directed retirement plan. Clients who are charged at the higher end of the flat fee scale
    can expect a comprehensive detailed consultation. As the needs of the plan sponsor dictate, areas of
    advising could include: investment options, plan structure and participant education.

    The fee-paying arrangements for pension consulting service will be determined on a case-by-case
    basis and will be detailed in the signed Pension Consulting Agreement. The client will be invoiced
    directly for the fees.
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Item 7: Types of Clients & Account Requirements

    We have the following types of clients:
       • Individuals and High Net Worth Individuals;
       • Trusts, Estates or Charitable Organizations;
       • Pension and Profit Sharing Plans;
       • Other Investment Advisers; and
       • Corporations, Limited Liability Companies and/or Other Business Types.

    There are no requirements for opening and maintaining an account with our firm.