Elderado Financial Inc

Item 5 – Fees and Compensation
Asset Management and Financial Planning Services
Elderado Financial, Inc. offers advisory services in the areas of personal and business planning and asset
management as indicated in the 3 service options listed below. The specific manner in which fees are charged
by EFI is established in a client’s written Agreement with EFI and the service option selected.

1) Asset Management Program Agreement: EFI provides investment advisory services and offers financial
planning to individuals and company-qualified plans payable in arrears each month as a percentage of assets
under management. See Asset Management Program Fees below for the fee schedule and further detail. EFI
will provide asset management on a discretionary basis, further described in Item 16: Investment Discretion.

2) Financial Planning Retainer Agreement: For planning services on a limited scope of work, clients are billed
a retainer, calculated on an annual basis. These services are based on a negotiated rate and are billed
quarterly. Services provided may include retirement planning, investment portfolio assessment and risk
tolerance assessment, and other general and specialized financial planning topics based on the needs and
concerns of the client. EFI advisors can provide investment advice on a discretionary or non-discretionary
basis.

3) Financial Planning Agreement: EFI provides comprehensive financial planning services, specific financial
planning, or hourly financial consultations. The fee is due at the time the services are provided. The adviser
will collect the pertinent data, conduct personal interviews with the client, and present to the client. Other
general and specialized financial planning topics may be included based on the needs and concerns of the
client. The fees charged by the adviser are solely for the preparation of the comprehensive financial plan,
specific financial plan, or financial consultation, and do not include any commissions that might be generated
upon implementation of any securities or insurance recommendations.

Asset Management Program Fees
Clients who enter into an agreement with EFI for the Asset Management Program will be provided both asset
management and financial planning services. Clients who opt for this program will authorize the deduction
of fees directly from their managed accounts, payable in arrears, based upon the asset value on the last day
of the previous month as 1/12th of client’s annual fees. These fees will be debited from client’s accounts
between the 1st and 15th of the month following the end of the previous calendar month by the Custodian
where the account is held, then forwarded to EFI.

                                           Elderado Financial, Inc.

Asset Management Program Fee Schedule*:

                     Value of Client Managed Assets                     Annual Fee

                               0 to $499,999                               1%**

                          $500,000 to $999,999                             .85%

                        $1,000,000 to $1,999,999                           .75%

                        $2,000,000 to $4,999,999                           .70%

                        $5,000,000 to $9,999,999                           .65%

                       $10,000,000 to $19,999,999                          .60%

                            $20,000,000 and up                          negotiable

                             *Fees may be negotiated per advisor discretion.
                           **Subject to $250 monthly minimum per household.

Clients may incur and are responsible for certain fees, charges and commissions imposed by third parties for
executing transactions and other custodial services for client accounts. Such fees, charges and commissions
are separate and distinct from EFI’s fee. These fees and expenses will generally be used to pay management
fees for the securities, other fund expenses and account administration (e.g., custody, brokerage and account
reporting). Mutual funds and exchange-traded funds also charge internal management fees, which are
disclosed in the fund’s prospectus. More details are provided concerning our Custodian in Item 12–Brokerage
Practices.

Termination of Agreement
For the Asset Management Program Agreement, Financial Planning Agreement, or the Financial Planning
Retainer Agreement, the client or EFI may cancel the Agreement at any time with written notice.

Termination of the Asset Management Program Agreement: Clients are billed after services are rendered so
refunds of prepaid services are not applicable. The client will be responsible for any fees or charges incurred
by client from third parties as a result of maintaining managed accounts or for any securities transactions
executed. Managed accounts terminated during a calendar month may be charged a prorated fee.
Termination of the Financial Planning Retainer Agreement: If the client or EFI cancels the Agreement after EFI
has begun the services requested, the client will be charged for the services completed, then refunded a pro-
rata portion of the amount already paid.
Termination of the Financial Planning Agreement: The advisor or client may terminate the agreement within
three (3) days of the date of acceptance without penalty to the client. Afterwards, the client will incur a pro
rata charge for bona fide advisory services actually rendered prior to the termination. After the three-day
period, either party may terminate the agreement by providing written notice to the other party. Upon
termination, any prepaid fees will be pro-rated to the date of termination and any unearned portion will be
refunded.

                                           Elderado Financial, Inc.

Conflicts of Interest
EFI provides financial planning and advisory services to multiple clients resulting in our client relationships
...

Item 7 – Types of Clients
EFI generally provides financial planning and investment management services to individuals, high-net-worth
individuals, charitable organizations, foundations, endowments, and trusts. Clients vary in scope and length
of service.

Account Minimums

We do not require a minimum account balance to open or maintain an investment management account.
Instead, our asset management services are subject to a minimum monthly advisory fee of $250.

For clients who have signed the Financial Planning Retainer Agreement or Financial Planning Agreement,
there will be no minimum account size requirement as client's assets will not be actively managed.