Cyr Financial Inc

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client shall sign one or more agreements that detail the responsibilities of Cyr Financial and the
Client.

A. Fees for Advisory Services
Investment Management Services - Tiered Fee Plan
Investment advisory fees are charged and due quarterly, in advance of each calendar quarter, pursuant to the
terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets
under management (including cash and cash equivalents) at the end of the prior calendar quarter. Investment
advisory fees are based on the following schedule:

                                                     Cyr Financial Inc.
                                        220 E High St, Suite 102, Hennepin, IL 61327
                                         Phone: (815) 925-7501 Fax: (815) 305-7396
                                                 http://www.cyrfinancial.net

                          Assets Under Management                    Annual Fee/ Rate
                     First $500,000                                      1.10%
                     Next $500,000 (Up to $1,000,000)                    1.00%
                     Next $1,500,000 (Up to $2,500,000)                  0.90%
                     Next $2,500,000 (Up to $5,000,000)                  0.80%
                     Next $2,500,000 (Up to $7,500,000)                  0.55%
                     Over $7,500,000                                     0.40%

Tier Fee Examples

A $250,000 household would pay a quarterly fee of $688.00.
A $500,000 household would pay a quarterly fee of $1,375.00.
A $750,000 household would pay a quarterly fee of $2,000.00.
A $1,000,000 household would pay a quarterly fee of $2,625.00.
A $2,000,000 household would pay a quarterly fee of $4,875.00.
A $3,000,000 household would pay a quarterly fee of $7,000.00.
A $4,000,000 household would pay a quarterly fee of $9,000.00.
The investment advisory fee in the first quarter of service for any new account is prorated from the inception date of
the account[s] to the end of the first quarter of service for the applicable account(s). Fees may be negotiable at the
sole discretion of the Advisor. Certain legacy Client relationships may have a fee schedule that differs from the table
above. The Advisor will take into consideration the aggregate assets under management the Client has with
Advisor when determining fees. All securities held in accounts managed by Cyr Financial will be independently
valued by the designated Custodian. Cyr Financial will not have the authority or responsibility to value portfolio
securities.

Financial Planning Services
For customized financial planning services, Cyr Financial provides services at an hourly rate up to $500 per hour
or a fixed planning engagement that ranges up to $5,000, based on the scope of services to be provided. Planning
engagements with a fixed scope and duration may be offered a fixed fee, as can ongoing engagements.
Engagements where analysis and overall effort cannot be determined at the start of the engagement are offered
services based on the negotiated hourly rate. Planning fees are negotiable and priced based on the nature and
complexity of each Client’s circumstances as well as the overall relationship with the Advisor. Planning fees for
more comprehensive financial plans or more complex financial consultations are charged a higher overall fee due
to the complexity, effort and duration involved. Fixed fee engagements are based on the expected number of hours
to complete the engagement at the negotiated hourly rate. An estimate for total hours and/or costs will be provided
to the Client prior to engaging for planning services.

The Advisor’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other related costs and
expenses, which may be incurred by the Client. The hourly fees are determined after considering many factors,
such as the level and scope of the services.

Estate Planning Services
Cyr Financial offers estate planning services at an hourly rate up to $500 per hour or a fixed planning engagement
that ranges up to $10,000, based on the scope of services to be provided. For example, the firm’s typical pricing for
various standard services are as follows: Trust Package - $3,000, Will Package - $1,500, Joint POA - $300, Single
POA - $150. More detailed estate planning engagements with a fixed scope and duration may be offered at a
quoted fixed fee. Engagements where analysis and overall effort cannot be determined at the start of the
engagement are offered services based on the negotiated hourly rate. Estate planning fees are negotiable and
priced based on the nature and complexity of each Client’s circumstances as well as the overall relationship with
the Advisor.

Although the fee charged by Cyr Financial includes the estate software costs associated with the production of
various estate documents, the fee charged by Cyr Financial is separate from other outside legal and administrative
costs and expenses which may be incurred by the Client.
                                                     Cyr Financial Inc.
                                        220 E High St, Suite 102, Hennepin, IL 61327
                                         Phone: (815) 925-7501 Fax: (815) 305-7396
                                                 http://www.cyrfinancial.net

B. Fee Billing
Investment Management Services
Investment advisory fees will be calculated by the Advisor and deducted from the Client account[s] at the
Custodian. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets
under management with Cyr Financial at the beginning of each calendar quarter. Investment advisory fees will be
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Item 7 – Types of Clients
Cyr Financial provides investment advisory services to individuals, high net worth individuals, trusts, estates,
pensions and profit sharing plans. Cyr Financial generally requires a minimum relationship size of $500,000,
which may be reduced at the sole discretion of the Advisor.