Item 5 - FEES AND COMPENSATION
Asset Management Services
A. Fees are negotiable and are not based on a share of capital gains upon or capital appreciation of
the funds or any portion of the funds.
You may make additions to the Account or withdrawals from the Account, provided the
Account continues to meet minimum account size requirements. Fee adjustments will be made
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for inflows and outflows of $10,000 or more (Note, inflows and outflows will not be aggregated.
Adjustments are based on inflows and outflows occurring at one time). There will be no fee
adjustments for inflows and outflows occurring in the account during a calendar quarter of less
than $10,000. No fee adjustments will be made for Account appreciation or depreciation.
Account Size Annual Fee
First $99,999 2.00%
Next $400,000 1.50%
Values over $500,000 1.00%
Confidant Financial Solutions, LLC aggregates or households all of your managed accounts
together to determine your quarterly fee. For example, if you have four managed accounts with
an average month-end value as of the just completed calendar quarter of: $101,569.40,
$55,498.46, $675,879.50, and $74,301.12 with a total value of $907,248.48, your fee will be
calculated as follows.
$99,999 x 2.00% = $1,999.98
$400,000 x 1.50% = $6,000.00
$407,249.48 x 1.00% = $4,072.49
12,072.47 / 4 = $3,018.11 quarterly fee
Confidant Financial Solutions, LLC may change the above fee schedule upon 30-days prior
written notice to you.
B. Advisory fees will generally be collected directly from your account, provided you have given
Confidant Financial Solutions, LLC written authorization. You will be provided with an account
statement reflecting the deduction of the advisory fee direct from the account custodian. If the
Account does not contain sufficient funds to pay advisory fees, Confidant Financial Solutions,
LLC has limited authority to sell or redeem securities in sufficient amounts to pay advisory fees.
You may reimburse the account for advisory fees paid to Confidant Financial Solutions, LLC,
except for ERISA and IRA accounts.
C. In addition to the advisory fees above, you will pay transaction fees for securities transactions
executed in your account in accordance with the custodian’s transaction fee schedule.
Additionally, you will pay fees for custodial services, account maintenance fees, transaction fees,
and other fees associated with maintaining the Account. Such fees are not charged by Confidant
Financial Solutions, LLC and are charged by the product, broker/dealer or account custodian.
Confidant Financial Solutions, LLC does not share in any portion of such fees. Additionally, you
will pay your proportionate share of the fund’s management and administrative fees and sales
charges as well as the mutual fund adviser’s fee of any mutual fund they purchase. Such advisory
fees are not shared with Confidant Financial Solutions, LLC and are compensation to the fund-
manager.
Additionally, broker/dealers offer a limited number of mutual funds and exchanged traded funds
with no transaction fees. However, the shares must be held for a required period of time or a
redemption fee will be assessed and charged to the client.
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D. Advisory fees will be charged in advance of each calendar quarter. The quarterly advisory fee
will be based on the average month end value of the Account for each of the three months in the
calendar quarter. Fees for partial periods will be prorated. The initial quarterly fee will be
calculated based on the inception value of the account and pro-rated portion based on the number
of days remaining in the calendar quarter. Inception value will be determined upon all expected
deposits and account transfers are completed.
Termination Provisions
You may terminate investment advisory services obtained from Confidant Financial Solutions, LLC,
without penalty, upon written notice within five (5) business days after entering into the Asset
Management agreement with Confidant Financial Solutions, LLC. You will be responsible for any
fees and charges incurred from third parties as a result of maintaining the Account such as transaction
fees for any securities transactions executed and Account maintenance or custodial fees. Thereafter,
you may terminate services upon written notice delivered to Confidant Financial Solutions, LLC.
Should you terminate investment advisory services during calendar quarter, you will be issued a pro-
rated refund of the advisory fee from the date of termination to the end of the calendar quarter.
Financial Planning Services
Fees for planning services are strictly for planning services. Therefore, you will pay fees and/or
commissions for additional services obtained such as asset management or products purchased such
as securities or insurance.
Fees for planning services are charged at the rate of $200 per hour. Fees are negotiable. Fees will be
invoiced upon completion of the work or at the end of each month as invoiced.
Termination Provisions
You may terminate advisory services obtained from Confidant Financial Solutions, LLC, without
penalty, upon written notice within five (5) business days after entering into the advisory agreement
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