Dove Investment Research and Management Inc

ITEM 5 – FEES AND COMPENSATION –
FINANCIAL PLANNING SERVICES
We charge clients on an hourly or fixed fee basis for our financial planning and consulting
services. Our hourly fee ranges between $200 and $400, depending on where the client resides,
and the topics covered. The number of hours will vary depending on the time we spend
collecting the client’s information, analysis and research, of the assorted topics, and presenting
it to our clients. Our fixed fee ranges from $2,500 to $5,000. The fixed fee range varies depending
on the nature and complexity of each client’s individual circumstances and the scope of services
provided, as well as the areas covered by the written plan. The method of fee to be charged
(hourly vs fixed fee) by the firm will be decided by both the client and the firm during the initial
meeting based on the extent of planning needed. Hourly fees are typically charged when less
planning is required. The fixed fee is used when it is more beneficial for the client’s situation and
planning needs. The firm offers these two fee arrangements to ensure that the fees charged are
in the best interest of each client and their individual situations. We collect the fee upon delivery
of the financial plan or service. The fees may be negotiable based on individual circumstances
and additional services that the client engages with us on. The client may choose to be invoiced
and pay for financial planning services by check or credit card. (Client credit card information is
securely stored by the credit card processing vendor we do not maintain client credit card
information.
ESTATE RESOLUTION SERVICES
We charge clients an hourly fee of $400 per hour for our estate resolution services. The fee is
billed at the conclusion of services and can be paid by check. The fee is negotiable and agreed to
at the time of engagement.
Please note that Utah clients are subject to a different arrangement. Utah clients please refer to
the firm’s agreement for the hourly fee arrangement.
A client may terminate any service for any reason within the first five (5) business days after
signing an advisory contract, without any cost or penalty. Thereafter, the advisory contract may
be terminated at any time by giving ten (10) days’ written notice. To cancel the agreement, the
client must notify us in writing to Dove Investment Research & Management, Inc., 100 Pacifica,
Ste. 370, Irvine, CA 92618.

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PORTFOLIO MANAGEMENT
For these services we charge a management fee based on a percentage of assets under
management in the client’s account.
      Maximum Annual Management Fee                    Maximum Quarterly Management Fee
                     2.00%                                          0.50%
The maximum annual management fee is 2.00%. The management fee is negotiable based on
the amount of assets being managed, the amount of time and cost to be spent managing and
servicing the relationship and the regularity of review meetings. The client may aggregate
accounts to negotiate a lower management fee.
Our management fee is billed quarterly, in advance, meaning the management fee is collected
at the beginning of each quarter. The initial quarter’s management fee will be calculated on
the account’s initial custodian reported value and prorated for the number of days remaining
in the quarter. Cash balances and investments in money market funds, demand deposit
accounts, or certificates of deposit held in the account are included in the fee calculations.
The management fee will be deducted from the client’s account. For accounts that we manage,
the client will be asked to authorize us with the ability to instruct the account’s custodian to
withdraw the fee directly from the client’s account. For Third-Party Manager accounts, the
Third-Party Manager will have the ability to instruct the custodian to withdraw our
management fee. The client may terminate these authorizations at any time.
Other Fees & Expenses
Our management fee does not include brokerage commissions, transaction fees, or other
related costs and expenses that are normally incurred by the client. Clients may incur certain
charges imposed by custodians, brokers, and other third parties such as fees charged by
managers, 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 funds 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 will not receive any portion of
these commissions, fees, and costs. For more information about our brokerage practice please
see Item 12.A.
Termination and Advance Fee Policies
A client may terminate any service for any reason within the first five (5) business days after
signing an advisory contract, without any cost or penalty. Thereafter, the advisory contract
may be terminated at any time by giving written notice. To cancel the agreement, the client
must notify us in writing at Dove Investment Research & Management, Inc., 100 Pacifica, Ste.
370, Irvine, CA 92618. Upon written notice of termination, the client will receive a prorated
refund based on the amount of time services were rendered during the termination quarter.
For example, if there are 90 days in a quarter and the service was cancelled 45 days into the
quarter, the client will receive a 50% refund of the quarterly management fee. (45 divided by
90 equals 50%) Refunds are paid by depositing the fee back into the account if allowed by the

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client’s custodian. In all other cases refunds are paid by check and mailed to the last address
of record.
...

ITEM 7 – TYPES OF CLIENTS
We offer our services to individuals, high net worth individuals and charities. We do not have a
minimum account size requirement.