Family Fiduciary Services Inc

Item 5: Fees and Compensation

5(A1) Description of Fees for Discretionary Investment Management Services, Trustee Services, and Bill
Paying and Tax Organization Services
The annual fee for the Firm’s Discretionary Investment Management Services is charged as a percentage of assets
under management, according to the fee table below. AUM is based on the account value of FFSI “households” or
combines accounts/assets of the same household for purposes of calculating fees. Fees may be negotiable. Lower
fees for comparable services may be available from other investment advisers.

                                             Discretionary Investment                   Annualized Fee %
                                                   Management                     Serving as a Trustee and/or Bill
     Assets Under Management
                                           Annualized Fee % without any            paying and Tax Organization
                                                additional services                          Services
 Up to $1.0 million                                    1.50%                                  2.00%
 Over $1.0 million to $5 million                       1.00%                                  1.50%
 Over $5.0 million to $15.0 million                    0.75%                                  1.25%
 Over $15.0 million                                    0.50%                                  1.00%

5(A2) Description of Fees for Trustee Services and/or Bill Paying and Tax Organization
The annual fee for the Firm’s Trustee Services and/or Bill Paying and Tax Organization Services (“Related
Services”) is charged as a percentage of assets under management. The fee for Related Services is an
additional 0.50% of assets under management. Fee may be negotiable. Lower fees for comparable services
may be available from other investment advisers or Related Services providers.

5(B) Payment Methods
Fees for Discretionary Investment Management Services and Related Services are payable quarterly in arrears.
Asset values are based upon account valuations on the last trading day of the quarter. Fee deductions based on
this valuation are generally within two weeks following the end of the quarter. In any partial calendar quarter, the
fee will be prorated based on the number of days that the account was opened during the calendar quarter.

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By utilizing FFSI’s required custodian, Fidelity Investments 2 (“Fidelity”) fees are deducted directly from Client
accounts. Clients will receive custody statements from Fidelity on a quarterly basis. Custody statements should be
reviewed carefully to ensure your fee is calculated accurately. Should you believe your fee has been calculated
inaccurately, please contact FFSI promptly to resolve the issue.

5(C) Other Fees and Expenses
Note, the “annualized fee” excludes brokerage costs such as commissions, markups, markdowns, ticket charges,
and underlying mutual fund expenses. FFSI does not receive or share in any such fees. The Firm may recommend
the purchase of individual securities (e.g., stocks and bonds), exchange-traded funds (“ETFs”), or mutual funds. If
the Firm recommends the purchase of ETFs or mutual funds, effectively Clients are subject to two (2) layers of fees:

     1) Direct advisory fee according to the fee table in this section, and
     2) Indirect advisory fees (that is, the advisory fee paid by the mutual fund to the adviser of the mutual fund.
        For a detailed treatment of brokerage costs, please carefully review “Item 12 – Brokerage Practices”.

5(D) Timing of Fee Payment, Termination Provisions, and Refunds
Before providing Discretionary Investment Management Services, a Client will be required to enter into a written
investment advisory agreement (the “Agreement”). The Agreement sets forth the terms and conditions of the
engagement and describes the scope of services to be provided. As stated previously in “5(B) – Payment Methods”,
fees are paid each calendar quarter in arrears. Clients have the right to terminate the Agreement by providing 30-
days written notice. The Agreement will continue in effect until terminated by either party via written notice to the
other party.

5(E) No Compensation for the Sale of Securities
Neither FFSI nor any of its supervised persons receive any compensation whatsoever from the purchase or sale of
securities.

5(F) Financial Planning Services
Financial planning services are offered on a project basis. The fee for a financial plan typically ranges from $2,500
to $5,000. The fee may be negotiable depending upon the complexity and scope of the services provided. The
exact fee and services agreed upon are described in the Client's Financial Planning Services Agreement. Lower
fees for comparable services may be available from other investment advisers or financial planners.

Payment Methods
FFSI requires a 50% upfront deposit with the remaining balance due upon completion and delivery of the financial
plan.

Fee Offset Incentive
Should Client engage FFSI for Discretionary Investment Management Services within 30 days following delivery of
the financial plan, Client shall receive a credit equal to 100% of the financial planning fees paid. This credit is applied
against investment management fees until fully exhausted. This offset incentive is available only for investment
management accounts with a minimum initial funding of $500,000, which may be met by aggregating accounts
within the same household. The fee offset is non-transferable and has no cash value if Discretionary Investment
Management Services are not engaged within the specified timeframe. This fee offset incentive represents a
material conflict of interest as it may influence Client's decision to engage FFSI for Discretionary Investment
...

Item 7: Types of Clients

FFSI offers Discretionary Investment Management Services (“DIMS”) and Financial Planning Services to
individuals, high net worth individuals, corporations, trusts and foundations. The Firm does not require a specified
minimum account size for Discretionary Investment Management Services or Financial Planning Services.
However, the fee offset incentive described in Item 5 requires a minimum initial funding of $500,000 to receive the
financial planning fee credit against discretionary investment management fees.