Cross Financial Advisors LLC

ITEM 5 - FEES AND COMPENSATION
In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and
each service’s fees and compensation arrangement. The Client and Cross Financial Advisors’ Investment
Advisory Agreement will outline and agree upon the exact costs and other terms related to the Client’s Accounts.

INVESTMENT MANAGEMENT FEE

Our Firm offers investment management services for an annual fee based on the amount of assets under
management. Our maximum annual fee is 2.50%. Our annual fee is reasonable in relation to (1) the services
provided and (2) the fees charged by other investment advisers offering similar services/programs.
Our annual fee is prorated and charged quarterly, in advance, based on the value of the Client’s assets under
management as of the close of business on the last business day of the previous quarter. Cash and cash
equivalents, including money market funds, are subject to the agreed-upon advisory fee. Clients should

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understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash
equivalents, or money market funds, especially in low-interest rate environments.
Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client.
The investment advisory fees will be deducted from your account and paid directly to our Firm by the qualified
Custodian(s) of your account. The Client will authorize your account's qualified Custodian(s) to deduct fees from
the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be
shown on the monthly or quarterly statements provided by the Custodian. You should review your account
statements received from the qualified Custodian(s) and verify that appropriate investment advisory fees are
being deducted. The qualified Custodian(s) will not verify the accuracy of the investment advisory fees deducted.
We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. The investment
management agreement will outline the fee charged to a Client and any breakpoints based on the level of assets
managed. The fees are subject to change with prior written notice to the Client.
Our annual investment advisory fee may be higher than that of other investment advisers that offer similar
services and programs. In addition to our compensation, you may incur charges imposed at the mutual fund
level (e.g., advisory fees and other fund expenses).
Accounts initiated or terminated during a calendar will be charged a prorated fee based on the days the Client
account was open during that quarter. Any prepaid, unearned fees will be refunded upon termination of any
account.

     LEGACY MANAGEMENT FEE

     Managed legacy positions are included within our Firm’s standard investment management fee and are
     outlined in the executed investment management agreement.

     FINANCIAL PLANNING FEE

     Our Firm provides financial planning services under an hourly fee arrangement. This arrangement charges
     a mutually agreed-upon fee for financial planning services.
     There is a range in the amount of the hourly fee charged by our Firm for financial planning services. The
     minimum fee is $200 per hour, and the maximum is $500 per hour.
     Fees charged for our financial planning services are negotiable based upon the type of Client, the services
     requested, the investment adviser representative providing advice, the complexity of the Client's situation,
     the composition of the Client's account, other advisory services provided, and the relationship of the Client
     and the investment adviser representative.
     The amount of the fee for your engagement is specified in your financial planning agreement with us. At
     our sole discretion, the Client may be required to pay the fee at the time the agreement is executed with
     our Firm; however, our Firm does not require or solicit prepayment of more than $1,200 in fees per Client,
     six months or more in advance. The fee is considered earned upon delivery of the financial plan, and any
     unpaid amount is immediately due.
     The following criteria will be considered as appropriate when determining the number of hours expected
     to create a client specific financial plan.
     •   Total Income                                            •   Assets under Management
     •   Net Worth                                               •   Children
     •   Marital Status                                          •   Education Costs
     •   Tax Bracket                                             •   Timeframe

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     •   Risk Tolerance                                             •   Expected number of Meetings
     •   Objectives                                                 •   Phone Conferences
     •   Account Types and Holdings                                 •   Amount of material required to review
     •   Investment Experience                                      •   Number of Accounts
     •   Budget                                                     •   Type of Holdings

     Payment for services is generally due upon completion of each hourly session. In the event that a client
     terminates the services they will be entitled to a refund of any unearned fees by subtracting the earned fees
     from any amount pre-paid, if applicable.
     Payment for hourly consulting is to: Cross Financial Advisors, LLC.
     Cross Financial Advisors accepts payments via a third-party payment vendor, AdvicePay. AdvicePay is a
     digital fee-for-service (FFS) payment-processing platform built specifically for Financial Planners to facilitate
     client payments via ACH or credit card. In addition to facilitating one-time payments, AdvicePay also allows
...

ITEM 7 - TYPES OF CLIENTS
Our Firm provides investment management and ongoing investment advice, financial planning, consulting
services, and access to third-party portfolio management solutions to a range of clients, including individuals
(including high net worth individuals), families, estates, trusts, partnerships, retirement plans, corporations,
charitable organizations, and pension plans.
For advisory fee calculation purposes, unless a Client instructs us otherwise in writing, we may aggregate certain
related accounts under common ownership or control, or within the same household, for billing purposes
(commonly referred to as “householding”). When accounts are “householded”, the combined value of the
household accounts is used to determine the applicable fee schedule, which may result in a lower overall
advisory fee than if each account were billed separately.
Our decision to household accounts is generally based on the nature of the relationship and the overall
household or family circumstances. In addition, as disclosed in the applicable client agreement, certain legacy
or existing positions may be excluded from fee calculations where specifically agreed and described in the
client’s agreement or related appendix.

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From time to time, the Firm may negotiate advisory fees or offer fee discounts for certain Clients, including
friends and family relationships, based on the facts and circumstances. Any such arrangements will be
documented in writing. The Firm generally does not waive advisory fees for any parties.
Clients must enter into a written agreement with our Firm that describes the scope of services to be provided
and the applicable fees in order to establish an advisory relationship.