Farrow Financial Inc

Item 5: Fees and Compensation

Please refer to the “Advisory Business” section of this brochure for information regarding specific fees, fee
payment arrangements, and our refund policies.

Additional Fees and Expenses

All fees paid to Farrow Financial, Inc. for services are separate and distinct from the fees and expenses charged
in connection with investments held by you, including but not limited to mutual funds, exchange traded funds
(ETFs), brokerage commissions, and account maintenance fees. These fees and expenses are described in the
securities prospectus and the broker’s account agreements. For mutual funds and ETFs fees may include a
management fee, other fund expenses, and possibly a distribution fee. Some mutual funds also impose sales

 charges; you may pay an initial or deferred sales charge. We do not receive any compensation from the sale of
 any securities or other investment products, nor from brokerage fees, transactions fees, or sales charges that
 may be incurred. You could invest in these securities directly, without our services. In that case, you would not
 receive our services, which are designed among other things, to assist you in determining which mutual fund or
 funds are most appropriate given your financial condition and objectives.

 To evaluate the cost of Farrow Financial, Inc.’s advisory service, you should review the fees charged by mutual
 funds and ETFs, the fees charged by brokers and custodians, and our fees to know the total amount you are
 paying.

Item 7: Types of Clients

 Farrow Financial, Inc. provides services to individuals, trusts, estates, charitable organizations, corporations,
 other business entities, pension plans, and profit-sharing plans.

 Our investment management services are subject to an account size minimum. You must have $1,000,000 in
 investable assets. When calculating the $1,000,000, we may combine account values for you, your minor
 children, your spouse, or other types of related assets. Clients or prospective clients can request that the
 minimums be waived at the discretion of Farrow Financial, Inc.

 There are no minimums for our financial planning or consulting services.