GGM Financial LLC

Item 5: Fees and Compensation
Wealth Management Fees
GGM offers Wealth Management services to advisory Clients. GGM charges an annual wealth
management fee based on the total assets under management as follows:

               Assets Under Management                            Annual Fee

                    Less than $500,000                               1.25%

                  $500,000 - $1,000,000                              1.15%

                  $1,000,000 - $3,000,000                             .85%

            Additional assets over $3,000,000                         .65%

This is a blended fee schedule, meaning different asset levels are assessed at different fees, as shown
above, and then blended together. Fees are billed quarterly in advance based on the amount of assets
managed as of the close of business on the last business day of the previous billing period. Lastly,
please note that GGM may group certain related Client accounts, often known as “householding,” for
the purposes of achieving the minimum account size and determining the annualized fee.
Third-Party Management Fees
GGM has entered into a Solicitor Agreement with various TPMs, including Commonwealth, to refer
Clients to. The fees charged will be disclosed to the Client in a separate agreement executed directly
with the referred TPM.
Generally, all fees are withdrawn from the Client’s account unless otherwise noted. The TPM will receive
written authorization from the Client to deduct advisory fees from their account held by a qualified
custodian. The TPM will then remit to GGM their agreed-upon fee, as GGM does not have access to
deduct Client fees.
Financial Planning and Consulting Fees – Stand-Alone Services
GGM charges a fixed fee for financial planning and consulting. Prior to the planning process, the Client
will be provided with an estimated plan fee, which will be based on the complexity of the engagement.
For hourly and fixed fee arrangements, services will be completed and delivered within ninety (90) days,

                                                                                      GGM Financial, LLC
                                                                                          Form ADV 2A
                                                                                             March 2026

contingent upon the timely delivery of all required documentation. GGM reserves the right to waive the
fee should the Client implement the plan through GGM. Fixed Fee Services are offered based on a
fixed fee between $2,500 and $10,000, depending on the complexity of the engagement. Fees are billed
50% in advance, with the balance due upon plan delivery.
Wealth Management clients receive financial planning services at no additional fee.
Retirement Plan Consulting Fees
GGM provides clients with the option of paying an annual fee for ongoing services based on a
percentage of assets under advisement, a flat fee, or an hourly rate not to exceed $500. The fee amount
a client will pay is negotiable between the client and the advisor and will be associated with all services
provided by the advisor under the Retirement Plan Consulting Agreement. Fees may be paid directly
from qualified plan assets or may be direct billed, as agreed between the client and the advisor qualified
plan assets or may be direct billed, as agreed between the client and the advisor.
Payment of Fees
Wealth Management fees shall be deducted from the client’s account on a quarterly basis unless
otherwise instructed by the client.
For TPM services, the method of payment will be disclosed in the TPM’s Form ADV Part 2.
Financial Planning and Consulting Fees are generally invoiced directly to the Client, but may also be
deducted from another account held with GGM.
Retirement Plan Consulting Fees are generally deducted directly from the Client’s/Plan Assets.
GGM, in its sole discretion, may charge a lesser fee based upon certain criteria (e.g., historical
relationship, type of assets, anticipated future earning capacity, anticipated future additional assets,
dollar amounts of assets to be managed, related accounts, account composition, negotiations with
Clients, etc.).
For all services, Clients may terminate their engagement with GGM within five (5) business days of
signing an Agreement with no obligation and without penalty. After the initial five (5) business days, the
Agreement may be terminated by GGM with thirty (30) days written notice to Client and by the Client at
any time with written notice to GGM. For accounts opened or closed during the mid-billing period, fees
will be prorated based on the days services are provided during the given period. In the case of hourly
engagements, fees will be prorated based on the work completed at the stated hourly rate. All unpaid
earned fees will be due to GGM, and all unearned fees will be refunded to the Client. Any increase in
fees will be acknowledged in writing by both parties before any increase in said fees occurs.
Additional Fees
Custodians may charge brokerage commissions, transaction fees, and other related costs on the
purchases or sales of mutual funds, equities, bonds, options, margin interest, and exchange-traded
funds. Mutual funds, money market funds, and exchange-traded funds may also charge internal
management fees, which are disclosed in the fund’s prospectus. GGM does not directly receive any
compensation from these fees. All of these fees are in addition to the management fee you pay to
GGM. For more details on the brokerage practices, see Item 12 of this brochure.
Prepayment of Fees
Asset Management and some Financial Planning fees are paid in advance.

                                                                                    GGM Financial, LLC
                                                                                        Form ADV 2A
                                                                                           March 2026
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Item 7: Types of Clients
GGM provides investment advisory services to:
  • Individuals and families
  • High net worth individuals and families
  • Trusts, estates, or charitable organizations
  • Pension and profit-sharing plans
  • Charitable organizations
  • Corporations or other businesses
GGM Financials' managed account programs generally have a $500,000 minimum investment
requirement. In some cases, account balances may be combined at the household level to satisfy the
account minimum. GGM Financial may waive account minimum requirements in our sole discretion.