First Financial Coaching Inc

Item 5 Fees and Compensation

A.      FEE SCHEDULE

                INVESTMENT EDUCATION AND FINANCIAL ANALYSIS SERVICES

To the extent a client elects to enter into a Co-Advisory Agreement with FFC and Matson, FFC
will receive as compensation a portion of the revenue received by Matson for its discretionary
management of the client’s assets. Please see Matson’s Form ADV Part 2 and investment advisory
agreement for details regarding Matson quarterly charges.

Please see the termination clauses in the Co-Advisory Agreement regarding pro rata refunds of
terminated contracts, or as described in their Form ADV Part 2A as provided.

Financial Analysis
To the extent a client engages FFC to provide financial analysis services, FFC may provide these services
on either an hourly or fixed fee basis.

Hourly. Some clients utilize our financial analysis services provided based on an hourly rate
basis. Our hourly fee is billed at a rate of $150.00 per hour. The hourly fees are negotiated and
agreed upon in a written agreement with each client. Hourly fee-based clients are billed
monthly as work is completed. Either party may terminate the services within five (5) business
days’ notice. Any earned, but unpaid, fees will be promptly due upon termination.

Fixed Fees. FFC may charge a fixed fee for financial analysis services or special projects. The fixed fees
are negotiated and will generally range from $250-$1000, but may be higher, depending upon the
complexity of services, and are agreed upon in a written agreement with each client. Either party may
terminate the services upon three days’ notice. Within five (5) business days of termination of services
by FFC or the client, prior to completion of such services, regardless of progress/work generated, 100%
(one hundred percent) of all commitment fee/financial analysis fees shall be refunded to the client.

                                  THIRD PARTY ASSET MANAGER

Matson Money Co-Advisor Program
We work with Matson Money as our Third-Party Asset Manager (TPAM). Here’s a simplified overview of

    the fees and how accounts are managed in this program:
   Fund Fees & Expenses: Investments include fund-related fees such as brokerage and operating costs,
    as well as fees from underlying mutual funds in which the Matson Funds invest.
   Matson Money Fee: Matson Money receives a maximum of 0.50% annually on each fund’s average daily
    net assets.
   Advisory Fees: Clients also bear fees tied to the underlying funds managed by other advisers. No
    additional advisory fees are charged by Matson Money beyond those integrated into the funds.
   FFC Fees:
     Annual fees are collected quarterly in advance by Matson Money on behalf of FFC.
     Non-ERISA accounts are directly debited; ERISA accounts require third-party custodians to process
      fees.
         Depending on the account size, a structured tier schedule will range from 1.4% to .25%. as
         negotiated. Effective in 2018, the maximum allowable fee for all new clients is 1.2%. A flat fee
         schedule can be negotiated up to 1%.
    Note: Fees may vary or be reduced at the firm's discretion, and different fee structures may apply based on historical agreements or
    co-adviser arrangements.

    Other Important Notes:
   Fees are based on the account's market value at the end of the previous quarter.
   Clients may terminate their agreement with Matson Money within five business days without penalty.
    Prepaid fees will be refunded on a pro-rata basis if canceled with 30 days' notice.
    For a detailed explanation or further questions, reach out to our team.

    B.       PAYMENT OF FEES

                  INVESTMENT ADVISORY SERVICES & THIRD-PARTY MONEY MANAGERS

    Fees are charged quarterly after services are provided. Your deduction will be adjusted based on how
    many days your account was active and how much you funded during a quarter period. Fees for TPAM
    services follow the terms of your agreement with them. If no such agreement exists, fees will align with
    FFC’s investment management agreement and the terms outlined for our Investment Advisory Services.

                                 EDUCATION AND FINANCIAL ANALYSIS SERVICES
Fees are paid upon receipt of an invoice outlining the fees for such services.

C.      OTHER FEES AND PAYMENTS
There may be additional fees or charges that result from the maintenance of or trading within a client’s
account. These are fees that are imposed by third parties in connection with investments made through
a client’s account, such as custodial and investment fees. In addition to our advisory fees, clients are
responsible for paying fees associated with investing their accounts. Please refer to Item 12 for a
discussion of our brokerage practices.

D.      PREPAYMENT OF FEES
FFC does not accept full prepayment of fees for investment advisory services.

                    INVESTMENT ADVISORY AND FINANCIAL ANALYSIS SERVICES
FFC does NOT charge more than $1,000 in advance for investment advisory or financial analysis services in a six-
month period.

E.      OTHER COMPENSATION

Some IARs are licensed insurance agents. Insurance sales are offered on an individual basis.

               INVESTMENT ADVISORY SERVICES & THIRD-PARTY ASSET MANAGERS
PRIVATE ACCOUNT ASSET ALLOCATION
Private Account Asset Allocation Clients pay fees generally in line with the following representative fee
schedule. We can negotiate fees and the timing of payment for Clients investing over $1 million with
Matson Money. Fees for Clients and the timing of payment could be negotiable under special
circumstances in our discretion.
Assets Under Management Annual Rate

             Assets Under Management                                          Annual rate

                    First $500,000                                               2.00%

                    Next $500,000                                                1.00%
...

Item 7 Types of Clients
FFC provides investment advisory services to individuals, profit sharing plans, trusts, estates, charitable
organizations, and businesses. A minimum balance is not required. However, your TPAM may require
a minimum account balance to open and maintain your account with them, though the TPAM may
reduce or waive this requirement in their sole discretion.