Financial Avenues LLC

Item 5 - Fees and Compensation 1
      A. Fee Description and Schedule
Hourly Fee

Financial Avenues’ fee for financial planning/investment consultation services is charged at an
hourly rate based on the amount of time expended by the individual(s) providing services to you.
Financial Avenues’ current hourly rates are provided below:

        • Financial Planners/Senior Financial Planners – Rate $220- $300/hour

Financial Avenues LLC reserves the right (but is not obligated) to assess a lower fee to its associates and related

persons’ accounts maintained by the firm through its selected custodian.
Financial Avenues LLC
Form ADV Part 2

        • Paraplanners/Financial Planning Associates – Rate $185-$220/hour

        • Client and Operations Associates – Rate $75/hour

Services to be provided and the anticipated fee range are detailed in the written service
agreement and fee estimate letter. Prior to performing the services for a new client or one that
has not returned within three years, Financial Avenues requires a deposit of whichever is less;
$500.00, or fifty percent (50%) of the estimated fee set forth in Financial Avenues’ fee estimate
letter. The remainder of the fee will be billed when services are completed. If services extend
beyond a month, services will be billed monthly and are due and payable upon receipt of Financial
Avenues’ invoice.

The actual total fee is based on the actual time spent providing services. Our fees for these
services are negotiable at the discretion of our firm’s principal and comparable services may be
provided elsewhere for a lower fee.

Financial Avenues’ billing rate is subject to change upon thirty (30) days written notice to Client,
subject to Client’s right to terminate the Agreement.

Hourly fees can be paid by check or electronic transfer.

Fixed Fee

For Financial Avenues’ investment management services, Financial Avenues charges a fixed fee
based upon the scope of the engagement.

The fixed rate will be based upon the current hourly billing rate and an estimate of the total hours
required throughout the year, considering such factors as the complexity of your financial profile,
value of the overall portfolio, number and types of holdings in the overall portfolio, number of
individual accounts comprising a portfolio, whether the firm is authorized to provide discretionary
or non-discretionary services and other such considerations.

We require the fixed fee payment to occur on a fixed schedule which may or may not align with
the scheduled client review meetings (i.e., semi-annual, annual, or bi-annual).

Financial Education
The fee for our financial educational workshops is determined on a flat-rate amount based on the
firm’s hourly rate. Fees may also involve the cost of workshop materials, as well as travel
expenses, and would be negotiated with the sponsor in advance of the presentation.

      B. Fee Deduction
You may pay your fixed fee by directly remitting the fee to our firm or the fee can be withdrawn
from your account. If you choose to have the fee withdrawn from your account, you will be
required to authorize our firm in writing to allow your selected broker/dealer, custodian, etc.
(collectively we term “service provider”) to deduct our advisory fees from your account, and all
such fees will be clearly noted on your statements from your selected broker/dealer, custodian,

Financial Avenues LLC
Form ADV Part 2

etc. Please note that if there is insufficient cash in the brokerage/custodial account to pay these
fees, it may be necessary to liquidate account holdings to cover fees due to our firm or the
selected service provider.

For direct payment, we will send you a written invoice.

Each client is responsible for verifying fee computations since custodians are not typically asked
to perform this task. If there is a question about a specific fee calculation, please contact us.

      C. Third-Party Fees and Expenses
Clients will also incur certain charges imposed by third parties (custodians, broker-dealers,
platforms, and others) regarding investments made in the account(s). These commissions, fees
and charges may include but are not limited to the following: brokerage commissions; transaction,
exchange, trade away and clearing fees; account, wire, and electronic fund transfer fees; margin
interest; custodial fees; administration and termination fees; and other costs and expenses.
Financial Avenues does not receive any portion of these commissions, fees, and charges.

Financial Avenues may also invest client assets in money market funds, mutual funds, and
exchange traded funds. Clients bear the costs and expenses charged by these fund(s) to their
shareholders, such as management and administrative fees, in addition to the firm’s advisory
fees. These costs and expenses are set forth in the prospectuses for these investment funds.

Specific product recommendations made by our firm involve “no-load” (i.e., no commission)
products, if available, or low-load products. In some cases, such as with insurance or actively
managed mutual funds, there may not be a suitable selection of no-load products available for
recommendation, however, neither our firm nor our associates will be paid a commission on your
purchase.

      D. Advance Payment of Fees and Termination

Either party may terminate the agreement at any time, which will typically be in writing (including
electronic mail). Should you verbally notify our firm of the termination and, if in two business days
following this notification, we have not received your notice in writing, we will make a written
notice of the termination in our records and send you our own termination notice via electronic
mail as a substitute.

In the case of any prepaid fees, we will promptly return any unearned amount within thirty (30)
days.

Upon receiving a termination notice, our firm will not be responsible for future allocations,
transactional services or investment advice.
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Item 7 - Types of Clients
We provide our services to individuals, high-net worth individuals, pension and profit-sharing
plans, and businesses of various sizes.

We do not require minimum income levels, minimum level of assets, or other conditions for our
services. Our firm reserves the right to waive or reduce certain fees based on unique individual
circumstances, special arrangements, pre-existing relationships or as otherwise may be
determined by our firm’s principal. We also reserve the right to decline services to any
prospective client for any non-discriminatory reason.