Expand Financial LLC

ITEM 5 - FEES AND COMPENSATION

PRIVATE CLIENT WEALTH MANAGEMENT FEES AND COMPENSATION
Expand Financial charges a fee as compensation for providing Investment Management services on your account.
These services include advisory and consulting services, trade entry, investment supervision, and other account-
maintenance activities. Our recommended custodian charges transaction costs, custodial fees, redemption fees,
retirement plan and administrative fees or commissions. See Additional Fees and Expenses below for additional
details.
The fees for portfolio management are based on an annual percentage of managed and non-managed assets and
are applied to the account asset value on a pro-rata basis. Advisory fees are calculated either quarterly or monthly
in arrears based on the account values at the end of the quarter or month prior, as indicated on your executed
Investment Management Agreement.

As indicated in Item 4 above, our Firm may recommend utilizing an outside Manager to assist in the management
of your portfolio. Additional investment management fees will be charged for such investment management
programs and are outlined in written investment plan provided for each Account or household. Each investment
plan requires a Client’s approval before implementation. The Manager’s Investment Management Fees can be
found appended to your written investment plan. In addition, a complete description of the Manager’s services,
fee schedules and account minimums will be disclosed in the Manager’s Form ADV or similar Disclosure Brochure
which will be provided to clients at the time an agreement for services is amended, executed and the account is
established.
Our maximum annual advisory fee is for accounts paying a percentage of assets is 1.50%. Although not our usual
business practice, flat fees may be negotiated. The specific advisory fees and billing methods are set forth in your
Investment Advisory Agreement. Fees may vary based on the size of the account, complexity of the portfolio,
extent of activity in the account or other reasons agreed upon by us and you as the client. The market value will
be determined as reported by the Custodian. Fees are assessed on all managed and non-managed assets. Cash
and money market balances will be included in billing. In certain circumstances, our fees and the timing of the
fee payments may be negotiated. Our employees and their family related accounts are charged a reduced fee
for our services.
Unless otherwise instructed by the client, in certain cases, we will aggregate asset amounts in accounts from your
same household together to determine the advisory fee for all your accounts. For example, if we manage
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accounts from the individual, our Firm will include joint accounts for a spouse, minor children and/or Trust
accounts. This consolidation practice is designed to allow you the benefit of an increased asset total, which could
cause your account(s) to be assessed a lower advisory fee.
The independent qualified custodian holding your funds and securities will debit your account directly for the
advisory fee and pay that fee to us. You will provide written authorization permitting the fees to be paid directly
from your account held by the qualified custodian. Further, the qualified custodian agrees to deliver an account
statement monthly directly to you indicating all the amounts deducted from the account including our advisory
fees. Assets in your account, the purchase date, the cost, and the current market value for the period (or since
the opening of the Account) are included in monthly statements. At our discretion, our Firm will allow advisory
fees to be paid by check as indicated in the Investment Advisory Agreement. You are encouraged to review your
account statements for accuracy.
Either Expand Financial or you may terminate the management agreement immediately upon written notice to
the other party. The management fee will be pro-rated to the date of termination, for the billing cycle in which
the cancellation notice was given and refunded to your account. Upon termination, you are responsible for
monitoring the securities in your account, and we will have no further obligation to act or advise with respect to
those assets. In the event of client’s death or disability, Expand Financial will continue management of the account
until we are notified of client’s death or disability and given alternative instructions by an authorized party.

FINANCIAL PLANNING FEES
Our Firm offers financial planning services, and these services are included in the investment management fees
listed above.
FEES FOR SUB-ADVISORY RELATIONSHIPS
As discussed in Item 4 and the Private Client Wealth Management Fees section above, there are occasions where
a Manager acts in a sub-advisor capacity to our Firm. Under this arrangement, the Manager invests the assets
based upon the parameters provided by our Firm. Depending on the agreement with the Manager, the total
advisory fee will be collected by the custodian and the portion of the advisory fee is sent to the Manager and our
Firm. The fee for the Manager is included in the Investment Advisory Fees listed above. The total advisory fee
billed to your Account and indicated on our Investment Agreement includes our Firm’s portion of the investment
advisory fee plus the Manager’s fee (which does not exceed 1.50%). The fee billed is defined in the relevant
Discretionary Investment Management Agreement as well as in the individual Form ADV Filing of the respective
Manager.
The Manager’s relationship may be terminated at our Firm’s discretion. We may at any time terminate the
relationship with a Manager. We will notify you of instances where we have terminated a relationship with any
Manager(s) you are investing with. Factors involved in the termination of a Manager may include a failure to
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ITEM 7 - TYPES OF CLIENTS

Our Firm works with the following types of clients: individuals, high net-worth individuals, foundations, employer
sponsored retirement plans, charitable organizations, institutions, trusts and estates.
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We do not impose a minimum account value to initiate our Firm’s advisory and money management services.