Financial Directions LLC

Item 5      Fees and Compensation
                            INVESTMENT SUPERVISORY SERVICES
                         INDIVIDUAL PORTFOLIO MANAGEMENT FEES
The annualized fee for Investment Supervisory Services is primarily a percentage of assets
under management (AUM), but retainer fees can also be negotiated. You should note that
similar advisory services may (or may not) be available from other registered or unregistered
investment advisors for similar or lower fees. We feel we have structured our range of fees to
be competitive and reasonable for the services we provide.
Services charged as a percentage of assets under management are generally according to
the following schedule:
Assets Under Management             Our Typical Fee
$0 -                   1,000,000    1.00%
$      1,000,001 - 3,000,000        .6-1.00%

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>                    $3,000,000 .5%-      Negotiable
>$5,000,000 Negotiable
Services billed under a retainer are generally according to the following schedule:
Assets Under Retainer              Our Typical Fee
$0 - 150,000       $100- $1500 per year
$150,001 - 1,000,000    $1500-$10,000 per year
$1,000,000 - 3,000,000 $10,000-$15,000 per year
>$3,000,000             $15,000 - Negotiable per year
>$5,000,000                                                                       Negotiable per
year

For accounts custodied through Fidelity AUM fees are billed quarterly in advance, and are
calculated based on the fair market value of the account on the last day of the quarter, or as
of the last Friday of the quarter if the quarter ends on a weekend or holiday. The retainer
amount is deducted per the advisory agreement schedule beginning with the next regular
quarterly billing cycle.
Quarterly fees as calculated above are directly debited from your account in accordance with
your authorization in the Investment Advisory Agreement. Notification of fee debit is provided
to you in your account statement. In the event the account does not contain a sufficient cash
balance to cover the fee we can at our discretion liquidate sufficient investment shares held in
the account to cover the fee, or adjust the fee accordingly. Initial or additional funds or
transfers into the account during the quarter do not incur fees until the next regular quarterly
billing cycle. (See Termination below.) If fees are invoiced to you directly you agree to pay the
invoice timely as outlined in the Investment Advisory Agreement.
Fee debits are reviewed by our advisors during the regular billing cycle and audited quarterly
by management by examining a random selection of accounts for accuracy. Any errors noted
will be a) adjusted on the next regular billing cycle if the fee was in excess of the correct
calculation, b) accepted in full payment as deducted if the fee was less than the correct
calculation, or c) a refund check will be issued to the client.
For accounts custodied only through American Funds AUM fees are internally calculated
quarterly by American Funds and paid directly to Financial Directions, LLC for F2 shares held
in accounts with a properly executed fee debit agreement at no more than 25 basis points
annually. American Funds will pro-rate the fee depending on account balance as held
throughout the quarter. We have no control over the calculating or processing of these fees.
These fees are not covered by an Investment Advisory Agreement.
Limited Negotiability of Advisory Fees: Although we have established the aforementioned
fee schedules (Item 5), we may adjust the stated fee range, percent or amount on a client-by-

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client basis. The specific fee is identified in the Investment Advisory Agreement signed
between you and your advisor, but it is never higher than what is stated in our ADV.
Termination of the Advisory Relationship: An agreement for investment supervisory
services may be canceled at any time, by either party, for any reason upon written notice. As
disclosed in Item 5 above, we collect our advisory fees in advance of services provided. If a
termination notice is tendered before fees are deducted for the quarter then no fee will be
charged. If the termination notice is tendered after fees are deducted for the quarter then the
termination notice date will be used to calculate a refund. A pro-rated amount will be
calculated based on the date the termination notice is received at our office and the number
of days until the end of the quarter. We will issue a refund check and mail it to your address of
record on file with us or adjust the fee against other accounts you have managed by us. Only
a full distribution that closes your account is considered for fee refund. Generally, any pro-
rated amount of $25 or less will not initiate a refund. If partial or periodic distributions are
made during the quarter no fee adjustment is made. Depending on the custodian holding your
assets, your account may be charged a termination fee which the custodian withholds from
your account at distribution.

                                  GENERAL INFORMATION
Mutual Fund Fees: All fees paid to us for investment supervisory services as agreed to in
the Investment Advisory Agreement are separate and distinct from the fees and expenses
charged by mutual funds, ETFs, or other investment products to their shareholders. These
investment product expenses are described in each fund's prospectus. These expenses will
generally include a management fee, other fund expenses, and transfer or distribution fees.
You can invest in a mutual fund directly (see Item 5) and without our investment supervisory
services, but you are still subject to the fees and expenses charged by the investment
company. Accordingly, you should review both the fees charged by the funds and our fees to
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Item 7      Types of Clients
Financial Directions LLC provides investment supervisory services to the following types of
clients:
 Individuals (other than high net worth individuals)
 High net worth individuals (an individual with more than $1,000,000 under management)
 Small business owners