Geremia Financial Services LLC

Item 5. Fees and Compensation

Geremia Financial offers its services on a fee basis based upon assets under management.
Alternatively, certain of GFS Supervised Persons may offer insurance products under a commission
arrangement.

Financial Planning Fees
As discussed previously in response to Item 4, above; for certain clients, GFS includes financial planning
as part of its investment management services. GFS does not charge a separate fee for financial
planning.

Investment Management Fee
GFS offers its investment management services to participants of the Program (as discussed above in
Item 4), whereby GFS charges an annual fee, based upon the amount of the assets under its
management. The Program’s fee is inclusive of brokerage commissions, transaction fees, and certain
other related costs, as explained in depth in GFS’s wrap fee program brochure, which appears as Part
2A Appendix 1 of Form ADV (the “Wrap Fee Brochure”). A complete description of the Program’s terms
and conditions (including fees) are contained in the Program’s wrap fee brochure. This written disclosure
statement is provided to each client pursuant to Rule 204-3 of the Investment Advisers Act of 1940.

GFS, in its sole discretion, may negotiate to charge a lesser management fee based upon certain criteria
(i.e., anticipated future additional assets, dollar amount of assets to be managed, related accounts,
account composition, pre-existing client, account retention, pro bono activities, etc.).

Fees Charged by Financial Institutions
As further as further described in Item 12 below,, GFS generally recommends that clients utilize the

        pg. 5

        Geremia Financial Services, LLC Disclosure Brochure

brokerage and clearing services of Pershing, LLC through Pershing Advisors Solutions (“Pershing”) for
investment management accounts.

GFS may only implement its investment management recommendations after the client has arranged for
and furnished GFS with all information and authorization regarding accounts with appropriate financial
institutions. Financial institutions include, but are not limited to, Pershing or any other broker-dealer
recommended by GFS and further broker-dealer(s)or trust companies, banks etc. directed by the client
(collectively referred to herein as the “Financial Institutions”).

Clients may incur certain charges imposed by the Financial Institutions and other third parties such as
custodial fees, charges imposed directly by a mutual fund or ETF in the account, which shall be disclosed
in the fund’s prospectus (e.g., fund management fees and other fund expenses), deferred sales charges,
odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on
brokerage accounts and securities transactions. Additionally, for assets outside of any wrap fee
programs, clients may incur brokerage commissions and transaction fees. Such charges, fees and
commissions if any, are exclusive of and in addition to GFS’s fee.

GFS’s Agreement and the separate agreement with any Financial Institutions authorize GFS (through
Pershing) to debit the client’s account for the amount of GFS’s fee and to directly remit that management
fee to GFS. Any Financial Institutions recommended by GFS have agreed to send a statement to the
client, at least quarterly, indicating all amounts disbursed from the account including the amount of
management fees paid directly to GFS. GFS does provide an option for clients to pay by any method
other than direct debit.

Fees for Management During Partial Quarters of Service
For the initial period of investment management services, the fees shall be calculated on a pro rata basis.

The Agreement between GFS and the client will continue in effect until terminated by either party
pursuant to the terms of the Agreement. GFS’s fees are prorated through the date of termination and any
remaining balance is charged or refunded to the client, as appropriate.

Additions may be in cash or securities provided that GFS reserves the right to liquidate any transferred
securities or decline to accept particular securities into a client’s account. GFS 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.

If assets are deposited into or withdrawn from an account after the inception of a quarter, the fee payable
with respect to such assets will be prorated based on the number of days remaining in the quarter.

Commissions or Sales Charges for Recommendations of Securities
Neither GFS nor its Supervised Persons receive commissions for the purchase or sale of securities.

Item 7. Types of Clients
GFS provides its services to individuals, pension and profit sharing plans, trusts, estates, charitable
organizations, corporations and business entities.

GFS does not impose a minimum portfolio size or a minimum annual fee.

 LLC Disclosure Brochure