FF Advisors LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
advisory agreement with the Advisor.

                                          FF Advisors, LLC dba Family Financial
                                 1601 Sepulveda Boulevard #722, Manhattan Beach, CA 90266
                                        Phone: (310) 598-8481 | Fax: (424) 208-0664
                                                  https://familyfinancial.biz

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
wealth management agreement. Wealth management fees are based on the market value of assets under
management at the end of the prior calendar quarter. Wealth management fees are based on the following tiered
fee schedules.

                          Assets Under Management                             Annual Rate (%)
                    Up to $3,000,000                                              1.20%
                    Next $2,000,000 (Up to $5,000,000)                            1.00%
                    Next $5,000,000 (Up to $10,000,000)                           0.85%
                    Next $10,000,000 (Up to $20,000,000)                          0.70%
                    Next $30,000,000 (Up to $50,000,000)                          0.50%
                    Next $50,000,000 (Up to $100,000,000)                         0.30%
                    Over $100,000,000                                             0.25%
                * Minimum annual fee of $12,000, billed in $3,000 minimum quarterly payments,
                 may be waived at the sole discretion of the advisor.

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to
the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Advisor typically
offers a tiered, incremental fee schedule (as detailed above) where the rate is reduced as assets under
management increase. In certain circumstances, the Advisor may charge a fixed annual rate or fixed fee for its
services. The Client’s fees will take into consideration the aggregate assets under management with the Advisor
across all accounts, unless otherwise agreed in writing. All securities held in accounts managed by Family
Financial will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the
Custodian’s valuation to ensure accurate billing.

Clients may make additions to and withdrawals from their account[s] at any time, subject to Family Financial’s
right to terminate an account. Additions may be in cash or securities provided that Family Financial reserves the
right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s].
Clients may withdraw account assets on notice to Family Financial, subject to the usual and customary securities
settlement procedures. However, Family Financial designs its portfolios as long-term investments, and the
withdrawal of assets may impair the achievement of a Client’s investment objectives. Family Financial may
consult with its Clients about the options and ramifications of transferring securities. However, Clients are
advised that when transferred securities are liquidated, they may be subject to transaction fees, fees assessed at
the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications.

Use of Independent Managers
As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or
more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation
from an Independent Manager. The Advisor will only earn its wealth management fee as described above.
Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will
reduce the fee with an increased level of assets placed under management with an Independent Manager. The
Advisor will allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of
the executed agreement between the Advisor and the Independent Manager. If the Client is required to authorize
and enter into a wealth management agreement with an Independent Manager then the terms of such fee
arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the
Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will
not exceed 1.50% annually.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee ranging up to 1.00% based on
the size of the Plan and scope of services to be provided. Fees may be billed in advance or arrears, pursuant to
                                         FF Advisors, LLC dba Family Financial
                                1601 Sepulveda Boulevard #722, Manhattan Beach, CA 90266
                                       Phone: (310) 598-8481 | Fax: (424) 208-0664
                                                 https://familyfinancial.biz

the terms of the retirement plan advisory agreement. Retirement plan fees are based on the market value of
assets under management in the Plan at the end of the prior calendar quarter. Fees may be negotiable
depending on the size and complexity of the Plan.

B. Fee Billing
Wealth Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s]
at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be
...

Item 7 – Types of Clients

Family Financial offers advisory services to individuals, high net worth individuals, families, trusts, estates, and
small businesses. Family Financial generally does not impose a minimum relationship size.
Family Financial generally imposes a minimum annual fee of $12,000, billed in $3,000 quarterly payments, and
may be waived at the sole discretion of the Advisor.