Goldberg Financial Advisors LLC

Item 5: Fees & Compensation

We are required to describe our brokerage, custody, fees and fund expenses so you will know how
much you are charged and by whom for our advisory services provided to you. Our fees are
generally negotiable. Pursuant to CCR Section 260.238(j), our firm hereby discloses that lower fees
for comparable services may be available from other sources.

A. Description of how we are compensated for our advisory services provided to you.

   (i) Comprehensive Portfolio Management:

            Assets Under Management               Annual Percentage of Assets Charge

                     Any Assets                                    1.0%

       Our firm’s fees are billed on a pro-rata annualized basis quarterly in advance based on the
       value of your account on the last day of the previous quarter.

   (ii) Financial Planning & Consulting:

       We charge on an hourly basis for financial planning and consulting services. The total
       estimated fee, as well as the ultimate fee that we charge you, is based on the scope and
       complexity of our engagement with you. Our hourly fees are $500 for financial planning and
       consulting services.

   (iii) Retirement Plan Consulting:

       Our Retirement Plan Consulting services are billed on an hourly or flat fee basis or a fee
       based on the percentage of Plan assets under management. The total estimated fee, as well
       as the ultimate fee charged, is based on the scope and complexity of our engagement with
       the client. The maximum hourly fee to be charged will not exceed $750. Our flat fees range
       from $5,000 per year to $100,000. Annual fees based on a percentage of managed Plan
       assets are 0.50%.

B. Description of whether we deduct fees from clients’ assets or bill clients for fees incurred.

   (i) Comprehensive Portfolio Management:

       Our firm’s fees are billed on a pro-rata annualized basis quarterly in advance based on the
       value of your account on the last day of the previous quarter. Our firm bills on cash unless
       otherwise agreed to in writing. Fees will generally be automatically deducted from your
       managed account. In rare cases, we will agree to directly bill clients. As part of the fee
       deduction process, you understand and acknowledge the following:

       a) Your qualified custodian sends statements at least quarterly to you showing the market
          values for each security included in the Assets and all disbursements in your account
          including the amount of the advisory and custodial fees paid;
       b) You provide authorization permitting us to be directly paid by these terms;

       c) We will send you a quarterly billing summary which will include a legend that urges the
          client to compare information provided in their billing summary with the information
          provided in the monthly statement from the qualified custodian.

   (ii) Financial Planning & Consulting:

       We require a retainer of fifty-percent (50%) of the ultimate financial planning or consulting
       fee with the remainder of the fee directly billed to you and due to us within thirty (30) days
       of your financial plan being delivered or consultation rendered to you. In all cases, we will
       not require a retainer exceeding $500 when services cannot be rendered within 6 (six)
       months.

   (iii) Retirement Plan Consulting:

       The fee-paying arrangements for Retirement Plan Consulting service will be determined on
       a case-by-case basis and will be detailed in the signed consulting agreement. Fees will be
       calculated and deducted by the account custodian from the Client’s managed account.

C. Description of any other types of fees or expenses clients may pay in connection with our
   advisory services, such as custodian fees or mutual fund expenses.

   Clients will incur transaction charges for trades executed in their accounts, via individual
   transaction charges. These transaction fees are separate from our fees and will be disclosed by
   the firm that the trades are executed through Charles Schwab & Co., Inc. (“Charles Schwab”),
   does not charge transaction fees for U.S. listed equities and exchange traded funds. Clients may
   also pay holdings charges imposed by the chosen custodian for certain investments, charges
   imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
   disclosed in the fund’s prospectus (i.e., fund management fees, and other fund expenses),
   distribution fees, surrender charges, variable annuity fees, IRA and qualified retirement plan
   fees, mark-ups and mark-downs, spreads paid to market makers, fees for trades executed away
   from custodian, wire transfer fees and other fees and taxes on brokerage accounts and
   securities transactions). Our firm does not receive a portion of these fees.

D. We must disclose if client’s advisory fees are due quarterly in advance. Explain how a client may
   obtain a refund of a pre-paid fee if the advisory contract is terminated before the end of the
   billing period. Explain how you will determine the amount of the refund.

   We charge our Comprehensive Portfolio Management advisory fees quarterly in advance. In
   the event that you wish to terminate our services, we will refund the unearned portion of our
   advisory fee to you. You need to contact us in writing and state that you wish to terminate our
   services. Upon receipt of your letter of termination, we will proceed to close out your account
   and process a pro-rata refund of unearned advisory fees.

   Either party to a Retirement Plan Consulting Agreement may terminate at any time by
   providing written notice to the other party. If Retirement Plan Clients are billed in advance, full
   refunds will only be made in cases where cancellation occurs within 5 business days of signing
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Item 7: Types of Clients

We have the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates and Charitable Organizations;
   • Corporations, limited liability companies and/or other business types.

We require a minimum account balance of $500,000 for our Comprehensive Portfolio Management
and $1,000,000 for Retirement Plan Consulting. This minimum account balance requirement is
negotiable at our firm’s discretion. Some factors can include high growth potential or goodwill and
would be required throughout the course of the client’s relationship with our firm.