Grattan Financial Strategies Inc

Item 5. Fees and Compensation
Investment Management Fees

GFS manages individual advisory accounts as a percentage of assets under management on a sliding
scale of 1.25% to 1.00% depending on the size of the account. Fees are billed quarterly in arrears and
can be negotiated depending on the size of the account and other specific circumstances.

Generally, fees for services are deducted from the client account. The client may instead pay the fee
directly if the client chooses. Fees are calculated and deducted after each quarter has ended.

Financial Planning Fees

Clients of GFS are reviewed through the Financial Planning and Retirement Planning software and
process to determine client goals and objectives, timeline, risk tolerance, and total needs.
Recommendations are then formulated for direction of financial assets and other issues of client
concerns.

Comprehensive planning is offered along with individual needs analysis and are completed at the request
of the client. The fees for these services are generally $500.00 - $2,000.00 and are dependent on the
complexity of the issues to be addressed. These fees are negotiable and can be waived if continuing
services are requested and performed for the client through a relationship of Asset Management, Asset
Reporting or other services involving fees related to percentage of assets under management or other
commissions generated by the client investment decisions. Fees for Financial and Retirement Planning
are billed after service is rendered.

Form ADV Part 2A/B for GFS                                                                        Page 7 of 17
Prepared by Financial Registrations, Inc.                                                        ver. 12312025

Hourly Consulting Fees

GFS may provide advice on an hourly basis for a fee. These fees can be billed at a minimum of $500.00
per hour and can be negotiated depending on the complexity of the issue. Fees are payable after the
services are rendered.

Additional Fees and Expenses

As part of our investment advisory services to you, GFS may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally include
a management fee and other fund expenses. You will also incur transaction charges and/or brokerage
fees when purchasing or selling securities. These charges and fees are typically imposed by the broker-
dealer or custodian through whom your account transactions are executed. GFS does not share in any
portion of the brokerage fees/transaction charges imposed by the broker-dealer or custodian. GFS will
absorb, as part of our management of your account the trade costs associated with Mutual Fund
purchases and sales. To fully understand the total cost you will incur, you should review all fees charged
by mutual funds, exchange traded funds, our firm, and others. For information on our brokerage practices,
please refer to the Brokerage Practices section of this brochure.

Compensation for the Sale of Securities or Other Investment Products

Persons providing investment advice on behalf of our firm are registered representatives with B.B.
Graham & Company, Inc. (CRD #41533), a securities broker-dealer, and a member of the Financial
Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). In their
capacity as registered representatives, these persons could be entitled to receive commission-based
compensation in connection with the purchase and sale of securities, including 12b-1 fees for the sale of
investment company products. However, it is our policy that we will not accept any commissions or 12b-1
fees where you are also being charged an advisory fee. Compensation earned by these persons in their
capacities as registered representatives is separate and in addition to our advisory fees. This practice
presents a conflict of interest because persons providing investment advice on behalf of our firm who are
registered representatives have an incentive to effect securities transactions for the purpose of generating
commissions rather than solely based on your needs. When appropriate, GFS may recommend the
purchase of "no-load" funds. You are under no obligation, contractually or otherwise, to purchase
securities products through any person affiliated with GFS.

Fees charged to clients may be higher or lower than the aforementioned fees depending on the nature of
any pre-existing relationship, the complexity of the accounts, or terms and conditions of any outstanding
or pre-existing verbal or written agreement to which GFS is a party.

As a result of managing clients’ accounts, clients may also incur brokerage and other transaction-related
fees. Clients are encouraged to carefully review Item 5 Fees and Compensation, Item 11 under
Participation/Interest in Client Transactions and Item 12 Brokerage Practices for further details on all fees
charged to clients.

Item 7. Types of Clients
GFS is a registered investment adviser firm that provides investment advisory services to individuals, high
net worth individuals, pension and profit-sharing plans including 401-K plans, trusts, estates and
charitable organizations, and corporations and other business entities (e.g. partnerships)(collectively
referred to as “Clients”).

Requirement for Opening Accounts (Minimum Investment Amount)

GFS’ fee range for each particular service is subject to negotiation and could vary depending upon
various circumstances, including the scope of the services to be provided (the fee ranges for existing
clients prior to current calendar year may differ from those indicated).

GFS does not impose certain requirements for opening and/or maintaining an account, such as a
minimum account size or minimum fees. Also please see Fees and Compensation above for further
details on investment minimums.