Galecki Financial Management Inc

Fees and Compensation
                                                    Asset Management Clients
All GFM Fees were identified in the
Advisory Business section. Here is a                Asset Management Clients are individuals,
summary of those fees.                              Pension and Profit Sharing Plans, Charitable
                                                    Organizations, Corporations, Trustees,
                                                    Trusts and Foundations.

                                                    Financial Planning Clients (Stand
      Service                   Fee                 Alone)
        IFO                    $300
       DFO                     $500                 These are typically high net worth
 Asset Management       Fee Schedule based          individuals.
                             on AUM
 Financial Planning      Annual Retainer            Hourly Fees
   (Stand Alone)
  Hourly Planning       $250-$350 per hour          Hourly Fee Clients are individuals, Pension
  Retirement Plan       Annual Retainer or          and Profit-Sharing Plans, Charitable
      Services           Negotiated Cost            Organizations, Corporations, Trustees,
                                                    Trusts and Foundations.

GFM only receives direct compensation               Retirement Plan Services
from our Clients. However, we do receive
certain indirect economic benefits from             The primary Client for these services will be
other sources. This is outlined in the              Pensions, Profit-Sharing and 401(k) Plans,
Brokerage Practices section.                        where GFM does not directly manage the
                                                    underlying investments.

Galecki Financial Management, Inc.                                                       Page | 7

                           Form ADV Part 2A – January 2026

Method of Analysis                                  different asset classes to provide sufficient
                                                    diversification within the portfolios. Asset
GFM analyzes investments and portfolios             classes that could be utilized by GFM are as
through their Investment Committee. The             follows:
Investment Committee is made up of the
following members.                                      •    Short-Term Bonds
                                                        •    Intermediate-term bonds
   •   Albert Kohout, CFP®, MBA                         •    Long-term bonds
   •   Brady McArdle, CFP®                              •    Municipal bonds
   •   Melanie Colwell, CFP®                            •    Treasury inflation protected bonds
   •   Andy Young, CFP®, CPA                            •    Convertible bonds
   •   Kevin Chandler, CFP®
                                                        •    High-yield bonds
   •   Chloe Blythe, CFP®
                                                        •    Global bonds
The Investment Committee meets formally                 •    International bonds
on a monthly basis. The Committee also                  •    Emerging market bonds
communicates often with each other about                •    Market neutral funds
various market and economic data.                       •    Global or international real estate trusts
                                                        •    Real estate investment trusts
The Investment Committee is responsible
for reviewing:                                          •    Preferred stock
                                                        •    Bear funds
   •   Client Portfolios                                •    Small cap value
   •   Performance of the Investments                   •    Small cap growth
   •   Economic and Business News                       •    Mid cap value
   •   Asset Allocation Changes                         •    Mid cap growth
   •   Client Feedback                                  •    Large cap value
                                                        •    Large cap growth
The Committee follows and reviews
different economists and publications.                  •    International small cap value fund
Decisions are made based upon current                   •    International mid cap value fund
market and economic indicators.                         •    International large cap value fund
                                                        •    International emerging fund
Mutual Funds, ETFs, SMA Managers and                    •    Country-specific ETF
other investments are analyzed based upon
proprietary methods. The intent is to find          Any of the above asset classes could be used
and retain fund managers who have                   within the GFM portfolios as initially
consistently outperformed their benchmark           determined by the Client's overall risk and
indices based on risk, return and other             return objective, and then further specified
intangibles.                                        by the Investment Committee's asset
                                                    allocation in each Client's portfolio.
GFM begins with a diversified asset
allocation strategy. This strategy has taken        All of the aforementioned investments come
many years to develop and implement.                with various risks. Past performance is not
Appropriate allocations are implemented to

Galecki Financial Management, Inc.                                                            Page | 8

                           Form ADV Part 2A – January 2026

guaranteed to continue. Although GFM                GFM has adopted a Code of Ethics which
attempts to develop a diversified portfolio         sets high standards of business conduct, and
intended to minimize the overall risk, it is        compliance. This code is agreed to and
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