Downshift Financial LLC

Item 5: Fees and Compensation
How we are paid depends on the type of advisory service we provide. Our fees and compensation
information are outlined below. Fees could be negotiable based on factors such as the complexity of
your financial situation or total assets under management. Complexity considers various factors of the
client’s financial circumstances, such as income, assets, liabilities, marital and family status, employment
status, and number of financial areas that need to be addressed. In addition, we reserve the right to offer
fee waivers or discounts at our sole discretion. Therefore, some clients could pay different fees than the
fee schedules shown below. Your exact fee and other terms will be outlined in your advisory agreement.
Advisory fees are subject to an automatic adjustment each year on April 1, in accordance with the terms
of your advisory agreement. Fee changes are based on the U.S. City Average Consumer Price Index for
All Urban Consumers (CPI-U): All Items, as published by the U.S. Bureau of Labor Statistics. The
calculation will utilize the unadjusted 12-month percent change from the most recently published
monthly BLS data available at the time of the increase. We will provide clients with notice of each annual
adjustment at least 30 days prior to April 1. Continued engagement of services after the effective date
of the adjustment will constitute acceptance of the revised fee schedule.

Downshift Financial, LLC                     Form ADV Part 2A                                  Page 6 of 18

Investment Management Services
The annual fee for Investment Management Services is $12,000 per year, paid quarterly ($3,000) in
advance. We may prorate a client’s fees, at our discretion, in order to have subsequent quarterly fees
due on specific dates. Prorated fees are based on the number days services were provided during the
billing period. Fees may be directly debited from managed brokerage accounts, or the client may
choose to pay by electronic funds transfer or credit card. More information regarding direct debiting of
fees from managed accounts is available in Item 15 below.
This service may be terminated at any time by providing written notice to us. The final fee will be prorated
based on the number of days services were provided during the final billing period, up to and including
the termination date. Unearned fees paid in advance will be refunded upon termination.

Financial Planning Services
The annual fee for Financial Planning Services is $12,000 per year, paid quarterly ($3,000) in advance.
We may prorate a client’s fees, at our discretion, in order to have subsequent quarterly fees due on
specific dates. Prorated fees are based on the number of days services were provided during the billing
period. Fees may be directly debited from managed accounts, or the client may choose to pay by
electronic funds transfer or credit card. More information regarding direct debiting of fees from
managed accounts is available in Item 15 below.
Additionally, we believe estate planning is a critical task, which is often left undone or incomplete due to
costs. To encourage clients to keep their estate plans up to date, we will discount a client’s future fees,
subject to limitations, if a client presents us with updated estate planning documents and a paid invoice
from their estate planning attorney. We will provide the client with an initial discount on the client’s actual
costs, up to a $700 maximum discount. Thereafter, we will provide the client with a discount for their
actual costs, up to a $300 maximum discount once per 24-month period.
This service may be terminated at any time by providing written notice to us. The final fee will be prorated
based on the number of days services were provided during the final billing period, up to and including
the termination date. Unearned fees paid in advance will be refunded upon termination.

Employee Benefit Plan Services
The annual fee for Employee Benefit Plan Services is $12,000 per year, paid quarterly ($3,000) in
advance. We may prorate a client’s fees, at our discretion, in order to have subsequent quarterly fees
due on specific dates. Prorated fees are based on the number of days services were provided during the
billing period. Fees may be directly debited from managed accounts, or the client may choose to pay by
electronic funds transfer or credit card. More information regarding direct debiting of fees from
managed accounts is available in Item 15 below.
This service may be terminated at any time by providing written notice to us. The final fee will be prorated
based on the number of days services were provided during the final billing period, up to and including
the termination date. Unearned fees paid in advance will be refunded upon termination.

Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and
expenses. 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

Downshift Financial, LLC                      Form ADV Part 2A                                    Page 7 of 18

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 do
not receive any portion of these commissions, fees, and costs.
Item 12 below further describes the factors that we consider in selecting or recommending broker-
dealers and custodians for clients’ accounts and determining the reasonableness of their compensation
(such as commissions).
We do not accept compensation for the sale of securities or other investment products, including asset-
...

Item 7: Types of Clients
We generally provide our Investment Management and Financial Planning Services to individuals
(including high net worth individuals). Employee Benefit Plan Services are provided to plan sponsors of
qualified retirement plans. We do not require a minimum account size or amount of investable assets in
order to receive our services.