Constant Guidance Financial LLC

Item 5 – Fees and Compensation

Most clients engage CGF Advisor for discretionary investment management services and are
charged an asset-based fee calculated as a percentage of assets under management.

Carefully read Item 4 and Item 5 of Form ADV Part 2A (“Brochure”), as these sections of the
Brochure contain important details about CGF’s advisory services and fees. CGF Advisor does
not impose a minimum account balance for the opening of an account with the Adviser. The fee
charged is based upon the amount of money invested. Multiple accounts of immediately-related
family members, at the same mailing address, will be considered one consolidated account for
billing purposes. Fees may be negotiable. The fees below will only apply to you when you
request the services listed and may not apply to all clients. Different fees may represent
alternative payment options for similar services or combinations of services. Discuss with CGF
about what services are appropriate for you and the fees that apply.

A. Fee Schedule

                                                         Frequency
 Fees Charged by
                                       Fee Amount          Fee is              Services
 Investment Advisor
                                                          Charged
                                                                          Portfolio and wealth
 Assets Under Management                                 Quarterly in
                                        0.25%-0.75%                           management
 Fee                                                       arrears
                                                                                services
                                                                           Financial planning
 Hourly Fee                            $125-$150/hour   Per engagement
                                                                         consultation services
                                                                          Portfolio and wealth
                                        $50/month -                           management
 Fixed Fee                                              Per engagement
                                        $450/month                       services and Financial
                                                                                Planning
 Commissions to the
                                            $0               N/A                  N/A
 Advisor
 Performance-based Fee                      $0               N/A                  N/A
 Other                                      $0               N/A                  N/A

                                                         Frequency
 Fees Charged by Third
                                       Fee Amount          Fee is              Services
 Parties
                                                          Charged
 Third Party Money
                                            $0               N/A                  N/A
 Manager
 Robo-Advisor Fee                           $0               N/A                  N/A
           Discuss with your Advisor about fees and costs applicable to you

9 | Constant Guidance Financial, LLC                          FORM ADV Part 2B VERSION 03/10/2026

    Additional fees and costs to discuss with your Advisor
    Additional Fees/Cost          Yes/No        Paid to
    Brokerage Fees                       Yes            Charles Schwab
    Commissions                          No             N/A
    Custodian Fees                       Yes            Charles Schwab
                                                        Various Fund Families; Each mutual fund
                                                        and exchange-traded fund has their own
                                                        underlying investment fees and fund
    Mutual-Fund/ETF Fees and
                                        Varies          expenses that directly affect the net
    Expenses
                                                        asset value of the fund. More
                                                        information is available in the fund
                                                        prospectuses
Investment Supervisory Services Fees:

     Total Value of Account(s)                   Annual Fee
     $0 - $500,000                                 0.75%
     $500,001 - $1,000,000                         0.65%
     $1,000,001 - $2,000,000                       0.50%
     Over $2,000,001                             Negotiable

These fees are negotiable depending upon the needs of the client and complexity of the situation,
and the final fee schedule is detailed in the Investment Advisory Contract. There is no minimum
investment. Fees are paid quarterly, in arrears, and clients may terminate their contracts at any time
with written notice.

Clients may terminate their contracts at any time with written notice. Because fees are billed in
arrears, clients are responsible only for advisory services performed through the date of
termination. Clients may terminate their contracts without penalty, for full refund, within 5
business days of signing the advisory contract.

Financial	Planning	Fees

Hourly Fees: Depending upon the complexity of the situation and the needs of the client, the
hourly fee for these services is $100-$150. The fees are negotiable, and the final fee schedule will
be attached as Exhibit I of the Financial Planning Agreement. Fees are paid in arrears upon
completion and delivery of financial plan. Because fees are charged in arrears, no refund is

10 | Constant Guidance Financial, LLC                            FORM ADV Part 2B VERSION 03/10/2026

necessary. Clients may terminate their contracts without penalty within five business days of
signing the advisory contract.

Payment of Fees

Payment of Investment Supervisory Fees
...