Guncheon Financial LLC

Item 5: Fees and Compensation
Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the client within five (5)
business days of signing the contract without incurring any advisory fees or penalties. How we are paid depends
on the type of advisory service we are performing. Please review the fee and compensation information below.

Investment Management Services
Our maximum advisory fee for custom-designed portfolios is based on the market value of the assets under
management and is calculated as follows:
                       Account Value                       Maximum Annual Advisory Fee
                        $0 - $500,000                                   1.25%
                   $500,001 - $1,000,000                                1.10%
                  $1,000,001 - $2,000,000                               1.00%
                  $2,000,001 - $5,000,000                               0.85%
                   $5,000,001 and Above                                 0.75%

For example, if a client has $1,500,000 invested, the annual fee would be $15,000 ($1,500,000 x 0.01). The fees
are negotiable. The Advisory Fee shall be paid quarterly, in advance, and based upon the market value (such
value includes cash, dividends, accrued interest, assets purchased on margin and margin balance) of the Assets
on the last day of the previous quarter, as valued by the Custodian or another independent third-party, or as
set forth on the most recent statement made available to us. No increase in the annual fee shall be effective
without agreement from the client by signing a new agreement or amendment to their current advisory
agreement.
Advisory fees are directly debited from client accounts (please see Item 15 for more information). Accounts
initiated or terminated during the quarter will be charged a pro-rated fee based on the amount of time
remaining in the billing period. An account may be terminated with written notice at least 30 calendar days in
advance. Upon termination of the account, any unearned fee will be refunded to the client on a prorated basis.

Company Retirement Plans
                       Account Value                       Maximum Annual Advisory Fee
                       $0 - $1,000,000                                  1.00%
                  $1,000,001 - $3,000,000                               0.75%
                   $3,000,001 and Above                                 0.50%
The annual fees are negotiable and are pro-rated and paid in arrears on a quarterly basis. The advisory fee is a
tiered 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, a plan valued at $5,000,000 would pay an

effective maximum fee of 0.70%. This is determined by the following calculation: ($1,000,000 x 1.00%) +
($2,000,000 x 0.75%) + ($2,000,000 x 0.50%) = $35,000.00.

No increase in the annual fee shall be effective without agreement from the client by signing a new agreement
or amendment to their current advisory agreement.
Advisory fees are directly debited from client accounts by the TPA, or the client may choose to pay by check.
Accounts initiated or terminated during a calendar quarter will be charged a pro-rated fee based on the amount
of time remaining in the billing period. An account may be terminated with no advance notice. Since fees are
paid in arrears, no rebate will be needed upon termination of the account.

Plan Confidence™ Service Fee
Plan Confidence™ Adviser Service Fee – You will be charged a reoccurring monthly or quarterly fee up to 1% of
the 401(k) account’s balance.

The fee can be directly debited from client accounts by the TPA or through an automated billing system created
by Plan Confidence Corporation and Stripe, Inc (a third-party payment processor), deducted from another
account under our management, or you may even pay by check or debit card. You may cancel this fee at any
time for any reason.

Educational Seminars
Educational seminars are complimentary.

Financial Planning
We do not charge separately for financial planning services.

Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses that
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.
Certain associates of the firm are insurance licensed, which is considered a conflict of interest. Please see Item
10 for further information.
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 wealth consulting and investment management services to individuals and families, corporate
executives, business owners, and pension and profiting sharing plans. Our minimum account size requirement
is $250,000 but can be waived at TLG’s discretion.