Compass Financial Advisors LLC

Item 5 - Fees and Compensation
Fees paid to Compass are for Compass advisory services only. The fees do not include, for example, the
fees charged by third parties such as third-party managers, or accountants and attorneys assisting with
providing the client with accounting and legal advice. Commissions on transactions and other account fees
will also be charged by brokerage firms in accordance with the account’s brokerage firm’s normal
commission schedule. See Item 12, Brokerage Practices. Customary commissions on insurance are also not
included.

Prospective clients should be aware that in addition to Compass's advisory fees, each mutual fund in which
a client's assets are invested also pays its own advisory fees and other internal expenses which already have
been deducted from the fund's reported performance. Depending on the fund, a client may be able to invest

directly in the shares issued by the fund with or without incurring any sales or third-party management fees.
Account maintenance fees are also deducted by the custodian.

In addition, there are tax effects pertaining to fund share redemptions, and other sales, made by Compass
on behalf of clients. Redemptions and sales are taxable events which may accelerate the recognition of
capital gains, and losses, and frequent redemptions and sales may result in short-term, rather than long-
term, capital gains and losses.

Fundamental Planning Services Fee
Fees may be charged for services on a fixed project or on an hourly basis. The standard hourly rate is as
follows:

                      Service Provider                        Hourly Fee
                      Clerical                                $65
                      Paraplanner                             $100
                      Advisory Representative                 $150
                      Advisory Representative, CFP            $250

These hourly rates may be negotiated, but they may not exceed $250 per hour.

Fixed fees, or project fees, are determined by the Representative by estimating the complexity of the client’s
circumstances, the level of skill required to perform the service, and the amount of time that will be required
in research, analysis and Plan preparation. The exact fee is disclosed to the client prior to contract signing.

A fifty percent (“50%”) deposit of the estimated fee is payable upon commencement of services with the
balance due upon delivery of the written Plan. Payment arrangements are detailed in a formal client services
agreement which is prepared for each client. The fee may be waived in whole or in part by the
Representative if, in the course of implementing a Plan, the client purchases securities or insurance products
that pay a commission to the Representative sufficiently to compensate the Representative for his/her time
and skill. Waiving the fee is at the sole discretion of Compass and its Representatives. Both parties may
terminate this Agreement at any time upon ten (10) days written notice to the other. UNDER NO
CIRCUMSTANCES WILL COMPASS REQUIRE MORE PREPAYMENT THAN SIX MONTHS IN
ADVANCE AND IN EXCESS OF $1,200. Any unearned prepaid fee is returned to the client upon
termination.

The fees described above may change based on special situations such as an expansion of a project, increase
in the number of reviews, more specialized needs of the client, more complex planning, or more detailed
reporting. If such a change is required, the client is given 30 days’ prior written notice and agrees to such
changes by signing a new Services Agreement or an amendment thereto.

Asset Allocation and Portfolio Supervision Services Fee – Discretionary
Fees payable for Asset Allocation and Portfolio Supervision program services will be calculated as a
percentage of the total value of investments under management as set forth below. In addition to this
advisory fee, there will be transactional, administrative, servicing fees, and commissions.

                      Market Value of Assets               Annual Rate
                      $0 - $500,000                        2.00%
                      $500,001-$1,000,000                  1.50%
                      $1,000,001-$3,000,000                1.00%
                      Over $3,000,000                      0.65%

Managed Non-Discretionary Assets
Fees payable for Managed Non-Discretionary Assets program services will be calculated as a percentage
of the total value of investments under management as set forth below. In addition to this advisory fee, there
will be transactional, administrative, servicing fees, and commissions.

                     Market Value of Assets               Annual Rate
                     $0 - $500,000                        2.00%
                     $500,001-$1,000,000                  1.50%
                     $1,000,001-$3,000,000                1.00%
                     Over $3,000,000                      0.65%

Asset Allocation and Portfolio Supervision Services Fee and Non-Discretionary Billing
In some cases, fees may be negotiated. All fees are specified in each client’s services agreement. Advisory
fees are payable monthly, in advance and are calculated on the basis of the market value of the investments
in the account including any balances held in money market funds. The fee for the initial partial month is
waived entirely. Subsequent fees are charged in advance starting with the first complete month and are
based on the market value of the account as of the last day of the most recently completed month. Upon
termination of the account, any prepaid advisory fees will be refunded on a pro rata basis. Clients should
also be aware that certain management service programs require payments for services on a quarterly basis,
on the same basis as specified above for monthly fees, except that all fees for partial quarters are prorated.

Fees payable to Compass are deducted from the client’s account when due. Compass will liquidate money
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Item 7 - Types of Clients
Compass offers investment advisory services to individuals, including high net worth individuals, and
entities, including, but not limited to, family offices, trusts, estates, private foundations, and qualified

retirement plans. Compass does not imposes a minimum portfolio to open an account. However, Compass
does reserve the right to accept or decline a potential client for any reason in its sole discretion.