Great River Financial LLC

Item 5: Fees and Compensation
Please note, unless a Client has received this brochure at least 48 hours prior to signing an investment advisory
and/or a Financial Planning Agreement (collectively, “Client Contract”), the Client Contract may be terminated
by the Client within five (5) business days of signing the Client Contract without penalty. How we are paid
depends on the type of advisory services we perform. Below is a brief description of our fees, however, you
should review your executed Client Contract for more detailed information regarding the exact fees you will be
paying.

Investment Management & Financial Planning
Our standard advisory fee is based on the market value of the assets under management and is calculated as
follows:
                Household Account Value                              Annual Advisory Fee
                      $0 - $1,000,000                                        1.00%
                   $1,000,001 and above                                      0.10%

The Client’s annual fee is based on an aggregate value of all managed accounts within the Client’s established
household. The annual fees are paid in arrears on a monthly basis, based on the average daily balance of all
household accounts’ combined value. The fee will adjust up or down depending on the growth or decline in the
value of the household account. The advisory fee is a blended fee and is calculated by assessing the percentage
rates using the predefined levels of assets as shown in the above chart resulting in a combined weighted fee. For
example, an account valued at $2,000,000 would pay an effective fee of 0.55% with the annual fee of $11,000.
The fee for a month with 30 days would be determined by the following calculation: (($1,000,000 x 1.00%) +
($1,000,000 x 0.10%)) x (30/365) = $904.11. Clients will be notified at least 30 days prior to any changes to the
annual fee structure. Changes will be effective on the next billing cycle after notification without prior Client
consent. The fee may be negotiable in certain cases.

We calculate period-end account values after all dividends settle in the account, therefore, the account value used
to calculate advisory fees may differ from that of the custodial account statement. Our billing invoice will indicate
the total account value used to calculate the advisory fee. Engagements initiated or terminated during a calendar
month will be charged a prorated fee based on the amount of time remaining in the billing period.
For Clients with a household account value of less than $250,000, the services may be limited to investment
management, as described in Item 4 of this Brochure. In the event the Client requests services beyond the scope of
investment management, the Client may be requested to sign a separate financial planning agreement and will be
responsible for payment of such services.
Client may elect for GRF to notify Client’s custodian, of the amount of fees due pursuant to Client Contract, and
the custodian will be authorized to deduct such fees from Client’s account and remit payment to GRF. If Client
elects to utilize such a payment arrangement, Client agrees to furnish any additional written authorizations or
instructions required by the custodian for such payment arrangement. Alternatively, advisory fees for this service
may be paid by electronic funds transfer, debit card, credit card, or check. For fees paid by electronic funds
transfer, debit card or credit card, we use an independent third party payment processor in which the Client can
securely input their banking information and pay their fee. We do not have access to the Client’s banking
information at any time. The Client will be provided with their own secure portal in order to make payments.

An engagement may be terminated with written notice at least 30 calendar days in advance. Since fees are paid in
arrears, no refund will be needed upon termination of the Client Contract.
Investment Management on Held Away Assets
Clients will be invoiced directly according to the fee schedule above plus Pontera’s platform fee of 0.30%. The
advisory fee is based on the account value at the beginning of the agreement, and recalculated at the beginning of
each calendar year. The annual fee will be billed in equal monthly installments at the end of each month.

Financial Planning Hourly Fee
Hourly financial planning engagements are offered on a limited basis at an hourly rate ranging from $300 - $400,
for limited scope projects. The fee is due at the completion of the engagement. In the event of early termination by
the Client, any fees for the hours already worked will be due. Fees for this service may be paid by electronic funds
transfer, credit card, or check.
Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which
may be incurred by the Client. Clients may incur certain charges imposed by custodians, brokers, and other third
parties such as custodial fees, 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. Mutual fund and
exchange-traded funds also charge internal management fees, which are disclosed in a fund's prospectus. Such
charges, fees, and commissions are exclusive of and in addition to our fee, and we shall not receive any portion of
these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for Client’s
transactions and determining the reasonableness of their compensation (e.g., commissions).
We do not accept compensation for the sale of securities or other investment products including asset-based sales
charges or service fees from the sale of mutual funds.

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals, and high net-worth individuals.
Our minimum account size requirement is $250,000, and is inclusive of all household accounts. This minimum
fee may be waived or amended at the discretion of GRF.