Collective Family Office LLC

Fees and Compensation - Item 5

  Portfolio Management Services
  For portfolio management services, CFO charges an annual fee of up to 1.00% of assets under management. Fees
  are payable quarterly in advance and are based on the value of assets on the last day of the previous calendar
  quarter. Fees will be pro-rated for the first partial quarter and adjusted for any deposits or withdrawals during
  the quarter. In limited cases, clients may have non-managed assets that are included in portfolio management
  reviews and performance reports provided to clients. Such assets will be subject to an annual fee of up to 0.15%.

  Portfolio management fees and payment arrangements are negotiable depending on factors such as the amount
  of assets under management, range of investments, and complexity of the client’s financial circumstances, among
  others. The agreed upon fee to be paid by the client will be clearly stated in the Agreement signed by the client
  and the firm.

  Generally, the custodian holding the client’s account will deduct CFO’s fees and any other custodial fees directly
  from a designated account to facilitate billing provided the client has given written authorization. The qualified
  custodian will send an account statement at least quarterly. This statement will detail all account activity. Fees
  may be deducted from a single designated client account to facilitate billing. In limited circumstances, at the sole
  discretion of CFO, we may agree to invoice you directly for our advisory fee or we may negotiate other fee
  payment arrangements.

Collective Family Office, LLC
Form ADV Part 2A Brochure

  Our annual fee is exclusive of, and in addition to brokerage commissions, transaction fees, and other related costs
  and expenses which will be incurred by the client. However, we will not receive any portion of the commissions,
  fees, and costs. Please see Item 12 – Brokerage Practices for further information on brokerage and transaction
  costs.

  You may terminate the portfolio management services agreement upon 30-days’ written notice to our firm. You
  will incur a pro rata charge for services rendered prior to the termination of the portfolio management agreement,
  which means you will incur advisory fees only in proportion to the number of days in the quarter for which you
  are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive a prorated refund of
  those fees.

  Pension Consulting Services Fees
  The fees and compensation charged by CFO is negotiated independently with each Plan Sponsor in order to
  consider the varying, unique characteristics or requirements of each plan. Primary determinants of the
  negotiated fee may include but are not limited to the:
      • Amount of plan assets,
      • Number of employees / participants,
      • Number of plan sponsor locations, and
      • Special plan sponsor considerations or requirements.

  Delivery of compensation or fees to CFO is dependent on the invoicing or fee assessment frequency (monthly,
  quarterly) and policies (“arrears” or “in advance”) of the Plan Provider/Platform utilized by the Plan Sponsor. The
  exact fee and fee payment method will be clearly listed in the pension consulting agreement signed by the client
  and CFO.

  Either party to the pension consulting agreement may terminate the agreement in accordance to the terms of
  the agreement. The fees will be prorated for the quarter in which the termination notice is given, and any
  unearned fees will be refunded to the client.

  IRA Rollover Considerations
  As a normal extension of financial advice, we provide education or recommendations related to the rollover of an
  employer-sponsored retirement plan. A plan participant leaving employment has several options. Each choice
  offers advantages and disadvantages, depending on desired investment options and services, fees and expenses,
  withdrawal options, required minimum distributions, tax treatment, and the investor's unique financial needs and
  retirement plans. The complexity of these choices may lead an investor to seek assistance from us.

  An Associated Person who recommends an investor roll over plan assets into an Individual Retirement Account
  (“IRA”) may earn an asset-based fee as a result, but no compensation if assets are retained in the plan. Thus, we
  have an economic incentive to encourage an investor to roll plan assets into an IRA. In most cases, fees and
  expenses will increase to the investor as a result because the above-described fees will apply to assets rolled over
  to an IRA and outlined ongoing services will be extended to these assets.

  We are fiduciaries under the Investment Advisers Act of 1940 and we must act in your best interests and not put
  our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests.

Collective Family Office, LLC
Form ADV Part 2A Brochure

  Additional Fees and Expenses
  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 an advisory fee and other fund expenses.

  You will also incur custodial fees, 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 which your account
  transactions are executed. We do not share in any portion of the fees or charges imposed by the broker-dealer
  or custodian. Where suitable, we will recommend no-load mutual funds. To fully understand the total cost you
...

Types of Clients - Item 7

  We offer investment advisory services to individuals, high net worth individuals, Pension and profit sharing plans,
  trusts, estates, charitable organizations, and corporations, or other business entities.

  Generally, we require a minimum of $1,000,000 to establish an advisory relationship. At our sole discretion, we
  may waive this requirement. This requirement can be met by combining two or more accounts owned by you or
  related family members.

                        Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

  We may use one or more of the following methods of analysis and/or investment strategies when providing
  investment advice to you:

       • Fundamental Analysis – involves analyzing individual companies and their industry groups, such as a
         company’s financial statements, details regarding the company’s product line, the experience and
         expertise of the company’s management, and the outlook for the company’s industry. The resulting data
         is used to measure the true value of the company’s stock compared to the current market value. The

Collective Family Office, LLC
Form ADV Part 2A Brochure

           primary risk of fundamental analysis is that information obtained may be incorrect and the analysis may
           not provide an accurate estimate of earnings, which may be the basis for a stock’s value. If securities
           prices adjust rapidly to new information, utilizing fundamental analysis may not result in favorable
           performance.

       • Technical Analysis – technical analysis is a technique that relies on the assumption that current market
         data (such as charts of price, volume, and open interest) can help predict future market trends, at least
         in the short term. It assumes that market psychology influences trading and can predict when stocks will
         rise or fall. Technical trading models are mathematically driven based upon historical data and trends of
         domestic and foreign market trading activity, including various industry and sector trading statistics
         within such markets. Technical trading models, through mathematical algorithms, attempt to identify
         when markets are likely to increase or decrease and identify appropriate entry and exit points. The
         primary risk of technical trading models is that historical trends and past performance cannot predict
         future trends, and there is no assurance that the mathematical algorithms employed are designed
         properly, updated with new data, and can accurately predict future market, industry, and sector
         performance.

       • Cyclical Analysis – Cyclical analysis is similar to technical analysis in that it involves the analysis of market
         conditions at a macro (entire market/economy) or micro (company specific) level, rather than the overall
         fundamental analysis of the health of the particular company. The primary risks with cyclical analysis are
         similar to those of technical analysis.

  We may use one or more of the following investment strategies when advising you on investments:

       • Long Term Purchases – securities purchased with the expectation that the value of those securities will
         grow over a relatively long period of time, generally greater than one year. Using a long-term purchase
         strategy generally assumes the financial markets will go up in the long-term which may not be the case.
         There is also the risk that the segment of the market that you are invested in or perhaps just your
         particular investment will go down over time even if the overall financial markets advance. Purchasing
         investments long-term may create an opportunity cost - "locking-up" assets that may be better utilized
         in the short-term in other investments.

       • Short Term Purchases – securities purchased with the expectation that they will be sold within a relatively
         short period of time, generally less than one year, to take advantage of the securities' short-term price
         fluctuations. Using a short-term purchase strategy generally assumes that we can predict how financial
         markets will perform in the short-term which may be very difficult and will incur a disproportionately
         higher amount of transaction costs compared to long-term trading. There are many factors that can
         affect financial market performance in the short-term (such as short-term interest rate changes, cyclical
         earnings announcements, etc.) but may have a smaller impact over longer periods of times.

       •   Option Writing – an option is the right either to buy or sell a specified amount or value of a particular
           underlying investment instrument at a fixed price (i.e. the “exercise price”) by exercising the option
           before its specified expiration date. Options giving you the right to buy are called “call” options. Options
           giving you the right to sell are called “put” options. When trading options on behalf of a client, we
           generally use covered options. Covered options involve options trading when you own the underlying

Collective Family Office, LLC
Form ADV Part 2A Brochure

           instrument on which the option is based. Investments in options contracts have the risk of losing value
           in a relatively short period of time. Option contracts are leveraged instruments that allow the holder of
           a single contract to control many shares of an underlying stock. This leverage can compound gains or
           losses.

                 Investing in securities involves risk of loss that Clients should be prepared to bear.

  The investment advice provided along with the strategies suggested by CFO will vary depending on each client’s
...