Curran Financial Partners LLC

Item 5: Fees and Compensation
Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the client within five
(5) business days of signing the contract without incurring any advisory fees and without penalty. How we
are paid depends on the type of advisory service we are performing. Please review the fee and compensation
information below.

Investment Management Services
Passive Management Service: Our standard advisory fee for our passive management service is 1.00%.
Active Management Service: Our standard advisory fee for our active management service is based on the
market value of the assets under management and is calculated as follows:
                     Account Value              Annual Advisory Fee                Total Fee
                       All Assets                       1.50%                        1.50%

The annual fees are negotiable and are pro-rated and paid in advance on a quarterly basis. No increase in
the annual fee shall be effective without agreement from the client by signing a new agreement or
amendment to their current advisory agreement.
Advisory fees are directly debited from client accounts. Accounts initiated or terminated during a calendar
quarter will be charged a pro-rated fee based on the amount of time remaining in the billing period. An
account may be terminated with written notice. Upon termination of the account, any unearned fee will be
refunded to the client on a prorated basis.

Fee Refund for Investment Management and Advisory Services
If a client of CFP is not satisfied with services provided in their first year, CFP will refund 100% of the client’s
advisory fees paid. This refund is specific to Investment Management Services and Investment Advisory
Services fees paid to CFP over the last 12 months and does not relate to mutual fund fees (i.e., 12(b) 1 or

expense ratios), investment fees, commissions paid in relation to insurance products to related persons of
CFP, or any other fee associated with an unrelated third party.

Financial Planning Hourly Fee
Financial Planning fee is an hourly rate of $300.00. The fee may be negotiable in certain cases and is due at
the completion of the engagement. In the event of early termination by client, any fees for the hours already
worked will be due.

Financial Planning Fixed Fee
CFP charges a negotiable fixed fee for financial planning depending upon the complexity of the plan and the
unique needs of the client. Prior to the planning process the client will be provided an estimated plan fee.
The services include, but are not limited to, a thorough review of all applicable topics including Wills, Estate
Plan/Trusts, Investments, Taxes, and Insurance. Client will pay half of the estimated fee at the signing of the
agreement. Services are completed and delivered inside of thirty (30) days. Client may cancel within five (5)
business days of signing Agreement for a full refund. If the client cancels after five (5) business days, any
unearned fees will be refunded to the client, or any unpaid earned fees will be due to CFP. Unpaid fees will
be calculated based on an hourly rate of $300.00. Financial Planning Services are offered based on flat fees
between $750 and $1,500.

Fees for Sub-advisory services to Investment Companies

For the sub-advisory portfolio management services offered to YALL, CFP shall be paid an asset-based fee
from Tidal Investments, LLC (“Tidal”). This fee shall be an annual rate of 0.02% of the fund’s average daily
net assets. This fee shall be calculated daily and paid monthly. As we have agreed to assume the obligation
of Tidal to pay all expenses incurred by the fund, except excluded expenses, Tidal has agreed to pay us the
profits, if any, generated by the fund’s unitary management fee. See the fund’s offering documents for
additional information regarding the fees associated with the fund.

Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses
that may be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, and
other third parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire
transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual fund and exchange traded funds also charge internal management fees, which are
disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to our
fee, and we shall not receive any portion of these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for
client’s transactions and determining the reasonableness of their compensation (e.g., commissions).
We do not accept compensation for the sale of securities or other investment products including asset-
based sales charges or service fees from the sale of mutual funds.

Other Compensation
CFP Investment Adviser Representatives may recommend and sell life, disability, health, and long-term care
insurance and may receive additional compensation from the sale of investment products.

While CFP Investment Adviser Representatives endeavor at all times to put the interest of our clients first as
part of our fiduciary duty, the possibility of receiving additional compensation creates a conflict of interest,
and may affect their judgment when making recommendations. We require that all representatives disclose
this conflict of interest when such recommendations are made. Also, we require representatives to disclose
that Clients may purchase recommended products from other registered representatives not affiliated with
us.

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals and high net-worth
individuals. We do not have a minimum account size requirement.