Davidov Financial Coaching LLC

Item 5: Fees and Compensation

A. Fee Schedule

Investment Supervisory Services Fees

            Total Assets Under Management                  Annual Fee

           All Assets Under Management                       0.99%

These fees are negotiable depending upon the needs of the client and complexity of the
situation, and the final fee schedule is attached as Exhibit II of the Investment Advisory

Contract. There is a fee of $250 - $500 to analyze a client’s investment portfolio. Fees are
paid quarterly in advance, and clients may terminate their contracts with fifteen days’
written notice.

Refunds are given on a prorated basis, based on the number of days remaining in a quarter
at the point of termination. Fees that are collected in advance will be refunded based on
the prorated amount of work completed up to the day of termination within the quarter
terminated. The fee refunded will be the balance of the fees collected in advance minus
the daily rate* times the number of days in the quarter up to and including the day of
termination. (*The daily rate is calculated by dividing the quarterly AUM fee by the
number of days in the termination quarter). Clients may terminate their contracts without
penalty, for full refund, within 5 business days of signing the advisory contract.

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization.

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 between $350 and $600. The fees are negotiable and the final fee
schedule will be attached as Exhibit II of the Financial Planning Agreement. Fees are paid
in advance, but never more than six months in advance. Fees that are charged in advance
will be refunded based on the prorated amount of work completed at the point of
termination. Clients may terminate their contracts without penalty within five business
days of signing the advisory contract.

The fee refunded will be the balance of the fees collected in advance minus the hourly rate
times the number of hours of work that has been completed up to and including the day
of termination.

B. Payment of Fees

Payment of Investment Supervisory Fees

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization. Fees are paid quarterly in advance.

Advisory fees may also be invoiced and billed directly to the client quarterly in advance.
Clients may select the method in which they are billed.

       Payment of Financial Planning Fees

       Hourly Financial Planning fees are paid via check or credit card in advance, but never
       more than six months in advance. Fees that are charged in advance will be refunded based
       on the prorated amount of work completed at the point of termination.

       C. Clients Are Responsible For Third Party Fees

       Clients are responsible for the payment of all third party fees (i.e. custodian fees, mutual
       fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and
       expenses charged by DFC. Please see Item 12 of this brochure regarding custodian.

       D. Prepayment of Fees

       DFC collects fees in advance. Fees that are collected in advance will be refunded based on
       the prorated amount of work completed at the point of termination and the total days
       during the billing period. Fees will be returned within fourteen days to the client via check
       or return to credit card. Fees will be deposited back into client’s account within fourteen
       days.

       The fee refunded will be the balance of the fees collected in advance minus the daily rate*
       times the number of days in the quarter up to and including the day of termination. (*The
       daily rate is calculated by dividing the quarterly AUM fee by the number of days in the
       termination quarter).

       E. Outside Compensation For the Sale of Securities to Clients

       Neither DFC nor its supervised persons accept any compensation for the sale of securities
       or other investment products, including asset-based sales charges or services fees from
       the sale of mutual funds.

Item 7: Types of Clients

DFC generally provides investment advice and/or management supervisory services to the
following types of clients:

           ❖ Individuals
           ❖ High Net Worth Individuals

          ❖ Pensions

Minimum Account Size

There is a $750,000 minimum account size. The minimum may be reduced based on the
discretion of the Advisor.