Family CFO Inc

Item 5: Fees and Compensation
      Description
We base our fees on a percentage of assets under management, hourly charges, and fixed fees (not
including subscription fees).Financial plans are priced according to the degree of complexity associated
with your situation.
We, in our sole discretion, may waive our minimum fee and/or charge a lesser investment advisory fee
based upon certain criteria (e.g., historical relationship, type of assets, anticipated future earning capacity,
anticipated future additional assets, dollar amounts of assets to be managed, related accounts, account
composition, negotiations with you, etc.).

      Asset Management Fee
The annual Asset Management Agreement fee is based on a percentage of the investable assets according
to the following schedule:
For investable assets under $5,000,000:
            • 1.00% on the first $1,000,000;
            • 0.80% on the next $1,500,000;
            • 0.60% on the assets above $2,500,000;

For investable assets greater than $5,000,000:
            • 0.60% on all of the assets up to $10,000,000;
            • 0.40% on assets above $10,000,000.

      Financial Planning Fees
The fee for a financial plan is predicated upon the facts known at the start of the engagement. The
minimum fee is $1,000 (the fee range is $5,000 to $10,000). Since financial planning is a discovery
process, situations occur wherein you are unaware of certain financial exposures or predicaments.
In the event that your situation is substantially different than disclosed at the initial meeting, a revised fee
will be provided for mutual agreement. You must approve the change of scope in advance of the
additional work being performed when a fee increase is necessary.
After delivery of a financial plan, future face-to-face meetings may be scheduled as necessary for up to
one month. Follow-on implementation work is billed separately at the rate of $500 per hour.

      Fee Billing
Investment management fees are billed quarterly, in arrears, based on the value of the account on the last
business day of the previous quarter, as adjusted for inflows and outflows throughout the quarter,
meaning that we invoice you after the billing period has ended. Payment in full is expected upon invoice
presentation. Fees are usually deducted from an account designated by you to facilitate billing. You must
consent in advance to direct debiting of your investment account.
If engaged on an hourly-basis, fees for financial plans are billed 50% in advance, with the balance due
upon delivery of the financial plan.
There is a minimum quarterly fee of $4,500 for investment management clients. However, the minimum
fee may be waived at the discretion of the advisor.

Family CFO Inc.                           FORM ADV Part 2A                         CRD Number: 127335

      Other Fees
In addition to the advisory fees paid to us, clients also incur certain charges imposed by other third
parties, such as broker-dealers, custodians, trust companies, banks, and other financial institutions
(collectively “Financial Institutions”). These additional charges include securities brokerage
commissions, transaction fees, custodial fees, fees attributable to alternative assets utilized by the
Independent Managers, reporting charges, fees charged by the Independent Managers, charges imposed
directly by a mutual fund or ETF in a client’s account, as disclosed in the fund’s prospectus (e.g., fund
management fees and other fund expenses), 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. The Firm’s brokerage practices are described at length in Item 12, below.
We will provide investment advisory services and portfolio management services but will not provide
custodial or other administrative services. At no time will Adviser accept or maintain custody of a client’s
funds or securities except for authorized fee deduction. The Client may contact the Custodian directly for
disbursements, or account record changes, and may also do so in writing to the custodian. Adviser may
act at the client’s convenience to facilitate such written communications to the Custodian, provided that
such action is not construed to be custody of client assets.

      Expense Ratios
Mutual funds generally charge a management fee for their services as investment managers. The
management fee is called an expense ratio. For example, an expense ratio of 0.50 means that the mutual
fund company charges 0.5% for their services. These fees are in addition to the fees paid by you to us.
Performance figures quoted by mutual fund companies in various publications are after their fees have
been deducted.

      Past due Accounts and Termination of Agreement
We reserve the right to stop work on any account that is more than 30 days overdue. In addition, we
reserve the right to terminate any financial planning engagement where you have willfully concealed or
have refused to provide pertinent information about financial situations when necessary and appropriate,
in our judgment, to providing proper financial advice. Any unused portion of fees collected in advance
will be refunded.

Item 7: Types of Clients
      Description
We generally provide investment advice to individuals, pension and profit sharing plans, trusts, estates, or
charitable organizations, corporations or business entities. We generally impose an account minimum of
$2,000,000, which may be waived in our discretion.
For additional information on fees please see Item 5. Fees and Compensation.
Client relationships vary in scope and length of service.

Family CFO Inc.                            FORM ADV Part 2A                         CRD Number: 127335