FFO Investments LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
FFO INVESTMENTS LLC (“FFO,” “Firm,” “we,” “our,” or “us”) is compensated through multiple
methods depending on the scope of services provided to Clients. These compensation methods
may include asset-based advisory fees, fixed monthly advisory retainers, referral or placement
compensation from third-party sponsors, and insurance commissions received through affiliated
insurance activities.

The existence of multiple compensation methods creates potential conflicts of interest because
the Firm may have a financial incentive to recommend certain investments, strategies, or service
providers that generate additional compensation to the Firm or its affiliates. These conflicts are
disclosed in this brochure and are mitigated through the Firm’s fiduciary obligation to act in the
Client’s best interest, internal compliance procedures, and Client discretion over investment
decisions.

Clients should understand that the Firm’s advisory model may involve compensation from more
than one source in connection with services provided.

Monthly Family Office Retainer
Clients may engage the Firm for ongoing fractional family office and wealth coordination services
under a fixed monthly advisory retainer.

The monthly retainer generally ranges from:

$5,000 to $20,000+ per month

depending on the complexity of the Client’s financial circumstances, number of entities, scope of
services, and level of engagement required.

The Firm may also charge a one-time onboarding or implementation fee typically ranging from:

$15,000 to $50,000

The monthly retainer compensates the Firm for ongoing advisory relationship management and
services including, but not limited to:

• Comprehensive financial planning
• Tax planning coordination with third-party professionals

• Entity structuring coordination
• Insurance planning analysis
• Investment oversight and portfolio coordination
• Professional coordination with attorneys, CPAs, and other advisors
• Wealth gap and financial modeling
• Real estate planning coordination
• Ongoing advisory access

The monthly retainer is not contingent on investment performance, product placement, or
transaction volume.

Asset Management Fees
The Firm provides discretionary investment management services through its wrap fee program
as described in the Appendix to this brochure.

Fees for asset management services are generally calculated as a percentage of assets under
management (“AUM”) and typically range from:

0.00% to 2.00% annually

Fees are typically deducted quarterly from Client accounts with prior written authorization.

Because asset-based fees are calculated based on assets under management, the Firm has a
financial incentive to encourage Clients to increase the amount of assets managed by the Firm.

This conflict is mitigated by:

• Fiduciary duty
• Suitability analysis
• Client financial planning considerations
• The Firm’s retainer model, which is not dependent solely on AUM

Alternative Investment Advisory and Referral Compensation
The Firm may recommend alternative or private investment opportunities to Clients. These
investments are generally non-discretionary, meaning Clients retain final decision-making
authority.

Such investments may include:

• Equipment leasing programs
• Real estate investments or syndications
• Oil and gas investments
• Section 181 film or entertainment investments
• Private funds or private placements

The Firm may receive referral fees, placement fees, or other compensation from third-party
sponsors or investment managers in connection with Client participation.

This creates a conflict of interest because the Firm has a financial incentive to recommend
investments that generate additional compensation.

Clients are under no obligation to participate in any recommended investment and may invest
through other providers.

Insurance Compensation
Investment Advisor Representatives of the Firm may be licensed insurance agents and may
receive commissions from the sale of insurance products including life insurance, annuities, or
other insurance-related products.

This creates a conflict of interest because representatives have an incentive to recommend
products that generate commissions.

This conflict is mitigated by:

• Disclosure
• Fiduciary duty
• Client discretion
• Ability to purchase insurance elsewhere

Clients are not required to purchase insurance through the Firm.

Additional Client Fees Charged
Clients may incur additional fees and expenses including:

• Brokerage transaction fees
• Custodial fees
• Mutual fund expenses
• ETF expenses

• Private investment fees
• Third-party manager fees
• Administrative fees

These fees are separate from advisory fees.

The Firm does not receive compensation from these fees unless specifically disclosed.

Prepayment of Client Fees
The Firm does not require prepayment of advisory fees more than six months in advance.

Comprehensive Compensation Summary Table
                             Source of
 Compensation Type                            Service Category    Typical Range Discretionary
                             Payment

                                          Family Office          $5k–
Monthly Retainer        Client                                                  N/A
                                          Advisory               $20k+/month

Onboarding Fee          Client            Implementation         $15k–$50k      N/A

                                          Portfolio
AUM Fee                 Client Account                           0%–2%          Yes
                                          Management

Equipment Leasing                         Alternative
                        Sponsor                                  Varies         No
Referral                                  Investments

                                          Alternative
...

Item 7: Types of Clients
FFO generally provides investment advisory services to a range of clients, including individuals,
high-net-worth individuals, trusts, estates, charitable organizations, and corporations or other
business entities. The Firm’s services are typically designed for clients with complex financial
circumstances who may benefit from integrated investment management and wealth
coordination.

The Firm generally requires a minimum account size of $1,000,000 for investment management
relationships. However, the minimum may be waived or reduced at the Firm’s discretion based
on factors such as the nature of the client relationship, anticipated future assets, related
household accounts, or other circumstances deemed appropriate by the Firm.