Gassman Financial LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a wealth
management agreement with the Advisor.

A. Fees for Advisory Services
Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
wealth management agreement. Wealth management fees are based on the total market value of assets under
management in the account[s] at the end of the prior calendar quarter. Wealth management fees are billed at an
annual rate of 1.00% annually. Fees may be negotiated based on the complexity of the services to be provided; the
level of assets to be managed; complexity of financial planning/consulting; and the overall relationship with the
Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other
complexities may be charged a higher fee.

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with Advisor. All securities held in accounts managed by
Gassman Financial will be independently valued by the Custodian. The Advisor will conduct periodic reviews of
the Custodian’s valuation to ensure accurate billing.

Clients may make additions to and withdrawals from their account[s], at any time, subject to Gassman Financial’s
right to terminate an account. Additions may be in cash or securities provided that Gassman Financial reserves the
right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients
may withdraw account assets on notice to Gassman Financial, subject to the usual and customary securities
settlement procedures. However, Gassman Financial designs its portfolios as long-term investments and the
withdrawal of assets may impair the achievement of a Client’s investment objectives. Gassman Financial may
consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised
that when transferred securities are liquidated, they are subject to transaction fees, fees assessed at the mutual
fund level (i.e., contingent deferred sales charge) and/or tax ramifications.

The Advisor’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other related costs and
expenses, which may be incurred by the Client. However, the Advisor shall not receive any portion of these
commissions, fees, and costs.

B. Fee Billing
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] for each billing period. The amount due is calculated by applying the quarterly rate
(annual rate divided by 4) to the total assets under management with Gassman Financial at the end of the prior
quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting the deduction of
the wealth management fee. Clients provide written authorization permitting Gassman Financial to be paid directly
from their account[s] held by the Custodian as part of the wealth management agreement and separate account
forms provided by the Custodian.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Gassman Financial, in connection
with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and
securities execution fees charged by the Custodian, if applicable. The Advisor’s recommended Custodian may
not charge securities transaction fees for ETF, equity, and certain mutual fund trades in a Client's account[s],
provided that the account meets the terms and conditions of the Custodian's brokerage requirements. However,
the Custodian typically charges for mutual funds and other types of investments. The fees charged by Gassman
Financial are separate and distinct from these custody and execution fees.

                                                    Gassman Financial LLC
                                         85 Stiles Road, Suite # 101, Salem, NH 03079
                                                     Phone: (603) 898-3663

In addition, all fees paid to Gassman Financial for wealth management services are separate and distinct from
the expenses charged by mutual funds and exchange-traded funds to their shareholders, if applicable. These
fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to
pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and
account reporting), and a possible distribution fee. A Client could invest in these products directly, without the
services of Gassman Financial, but would not receive the services provided by Gassman Financial which are
designed, among other things, to assist the Client in determining which products or services are most appropriate
for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by
the fund[s] and the fees charged by Gassman Financial to fully understand the total fees to be paid. Please refer
to Item 12 – Brokerage Practices for additional information.

D. Advance Payment of Fees and Termination
Gassman Financial is compensated for its investment management services in advance of each quarter of service.
Either party may terminate the wealth management agreement, at any time, by providing advance written notice to
...

Item 7 – Types of Clients

Gassman Financial offers wealth management services to individuals, high net worth individuals, trusts, and
estates. Gassman Financial does not impose a minimum size to establish a relationship.

                                                  Gassman Financial LLC
                                       85 Stiles Road, Suite # 101, Salem, NH 03079
                                                   Phone: (603) 898-3663