Googins Advisors Inc

Item 5: Fees and Compensation: How our firm is compensated.

5.A. A description of the range of fees.
Are our fees negotiable? The fee for investment management services is not negotiable, but can be
tailored for specific client circumstances.

Investment Advisory and Management Services
Googins Advisors charges a fee for continuous advice as a percentage of the assets under
management. The fee schedule is:

1.0% on the first $1,000,000 under management
0.8% on the next $1 million
0.6% on the amount over $2 million.

There are a few long-term clients that have a fixed quarterly fee ranging from $125-$500 irrespective
of the assets under management.

Googins Advisors calculates the fees quarterly in advance, using the market value of the portfolio assets
on the last business day of the preceding quarter. Googins Advisors retains the right to change the rates
after 90 days’ advance notice in writing.

5.B. Disclosure: Our firm bills its clients for the incurred advisory fees by:
      Sending an invoice to the client, OR
      Obtaining each client’s signed permission to deduct the advisory fees from the client’s account
          held by the custodian.
The client chooses the method of billing. The firm bills quarterly. Googins Advisors uses “direct billing”
that requires us to obtain a client’s written permission to deduct our fees directly from the client’s account
held by the custodian. We do send an invoice to some clients ourselves for payment of our advisory fees.

5.C. Disclosure: Other types of fees or expenses clients may pay in connection with the advisory services.
Clients should be aware that opening an investment account carries with it costs beyond the advisory
fee(s) Googins Advisors charges. When placing a transaction order to buy or sell securities, advisory clients
will have to pay any or all of the following charges in addition to the advisory fees charged by this firm as
applicable to the security and transaction.

         brokerage commissions                    administrative fees for investments in mutual funds
         custodian fees                           12b-1 fees in addition to administrative fees, and
         postage charges                           other marketing fees for mutual funds, paid to a
         processing charges                        broker dealer;
         ticket charges                           account maintenance fees charged by a broker
         early surrender fees                      dealer for an account, especially if inactive.
         transfer fees

All stock transactions will be charged the normal miscellaneous costs of postage, transfer and any SEC fees
as charged by Saxony Securities or Charles Schwab or Googins Advisors, Inc. In addition, stock and bond
transactions will be charged the commissions associated with such trades. Care is taken to reduce the
cost wherever possible.

Saxony charges Googins Advisors for advisory fee billing services. This fee is calculated as a percentage of
the advisory fees collected by Googins Advisors. The percentage ranges from .5% to 3.0% depending on
the amount of assets in a client’s account. As such, the fees paid to Saxony do not result in any additional
cost to the Client.

Regarding F-2 shares held directly with American Funds, American Funds charges the advisory fee directly
to the client’s assets held by American Funds and pays the advisory fees in whole to Googins Advisors.

Regarding variable insurance or annuity products held directly with Nationwide Mutual Insurance
Company or Lincoln Financial Group (the “Sponsors”), the Sponsors charge the advisory fee directly to the
client’s assets held by the respective Sponsors and pay the advisory fees in whole to Googins Advisors.

Regarding assets held directly with MG Trust with Aspire as record keeper, MG Trust charges the advisory
fee directly to the client’s assets held by MG Trust and pays the advisory fees in whole to Googins Advisors.

Advisory fee calculation for clients whose accounts are held by Charles Schwab or MG Trust (with Aspire
as record keeper) are the same as for clients whose accounts use Pershing as the custodian.

Googins Advisors notes that whether the custodial broker-dealer or a product sponsor holds the assets,
the same advisory fee schedule is applied to the customer, through the custodian.

We direct clients to this brochure’s Item 12 for further discussion of brokerage costs.

5.D. Disclosure: Do clients pay fees in advance? How may a client obtain a refund of a pre-paid fee if the
contract is terminated prior to a billed period’s end? How will the amount of the refund be
determined?

Googins Advisors may charge one half of the agreed upon financial planning fee to begin working on a
plan. If a client terminates the consulting agreement, all fees the client has paid in advance will be
refunded after Googins Advisors has subtracted fees earned for the time the firm has spent working on
the contracted plan.

Googins Advisors charges investment management fees quarterly in advance. Fees are prorated if the
assets arrive after the first day of a quarter. Also, via the custodian, a client’s fees are prorated if the
assets leave before the end of a quarter as a result of termination of the Advisory Agreement. Refunds
will not be issued for partial withdrawal of assets.

With respect to F-2 shares held directly with American Funds, American Funds charges fees at the end of
the quarter and bases the fees charged on the average daily balance during the quarter; American Funds
charges quarterly fees in February, May, August, and November each year.

With respect to Variable Annuities and Life Insurance products, we utilize two separate sponsors that offer
managed variable products. In both instances, you are billed monthly, in arrears. For those assets held at
Nationwide, your fee is calculated based on the average daily price. As to those assets at Lincoln Financial
...

Item 7.: Types of Clients.

Typically our clients include high net worth and other individuals, and corporations and other businesses.
We are prepared to provide services to pension and profit-sharing plans , charitable organizations, estates,
and trusts as well. Googins Advisors does not impose a minimum account size for its advisory services. We
generally recommend that a prospective client have approximately $100,000 in investable assets to make
paid advisory services effective.