Halberstadt Financial Consultants Inc

FEES AND COMPENSATION
Investment Management Fee:

The annual fee for investment management services will be charged as a percentage of assets
under management, according to the following schedule:

                         Assets Under Management                   Annual Fee (%)
                         First $1,000,000                             1.00%
                         $1,000,000 to $2,000,000                     0.50%
                         Over $2,000,000                              0.33%

The minimum annual fee for all investment management accounts is $4,000. Halberstadt
Financial will ensure that the fee charged will never exceed 3.00% of the client’s assets under
management. The minimum annual fee may, however, prevent Halberstadt Financial from
accepting smaller investment management accounts.

Halberstadt Financial Consultants, Inc. (IARD # 109462)
March 2026

Halberstadt Financial’s advisory fees shall also be prorated and paid quarterly, in advance, based
on the market value of the assets on the last business day of the previous quarter. Halberstadt
Financial’s actual fees may be negotiated and a client may pay more or less than similar clients
depending on the particular circumstances of the client, which may include considerations
related to size of the client’s account, additional and/or differing levels of service or as
negotiated. Clients that negotiate fees may end up paying a higher fee than that set forth in the
fee schedules above as a result of fluctuations in the client’s assets under management and/or
account performance.

Some clients of Halberstadt Financial pre-date the aforementioned fee schedule and continue to
receive advisory services pursuant to their contractual fee arrangement. As a result, in some
circumstances, clients are paying a lower advisory fee than the fee schedule above. Additionally,
in limited situations, some clients pay a higher fee than the above fee schedule. In order to address
any conflicts, Halberstadt Financial provides these clients a credit to ensure their advisory fee is
consistent with Halberstadt Financial’s current fee schedule.

Halberstadt Financial will generally recommend a broker-dealer/custodian for client’s investment
management assets. In addition to the investment management fee, the client may incur brokerage
commissions and/or transaction fees for affecting certain securities transactions (i.e., transaction
fees are charged for certain mutual funds, commissions are charged for individual securities
transactions). In addition, the client will also incur, relative to all mutual fund and exchange-traded
fund purchases, charges imposed at the fund level (e.g. management fees and other fund
expenses).

Financial Planning and Consulting Fee:

Financial planning and consulting fees will be calculated based on a charge of $345.00 per hour.
The length of time it will take to provide the service will depend on the nature and complexity of
the individual client’s personal circumstances. An estimate for total hours and a maximum fee
will typically be determined at the start of the advisory relationship. There is a 2 ½ hour
minimum for financial planning or consulting projects. In certain circumstances, these fees may
be negotiable.

   PERFORMANCE-BASED FEES and SIDE-BY-SIDE MANAGEMENT
Halberstadt Financial does not charge performance-based fees.

Halberstadt Financial Consultants, Inc. (IARD # 109462)
March 2026

TYPES OF CLIENTS
Halberstadt Financial offers a combination of investment advisory services where appropriate to
individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations,
and other business entities.

Halberstadt Financial will generally require a minimum account size of $400,000 for investment
management services. However, Halberstadt Financial may accept lesser account sizes, based upon
certain criteria (i.e., existing financial planning client, anticipated future earning capacity,
anticipated future additional dollar amount of assets to manage, etc.)

    METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS

As explained previously, Halberstadt Financial will allocate the client’s assets among various
investments, taking into consideration the overall management style selected by the client.
The mutual funds will be selected on the basis of any or all of the following criteria: (1) the
fund’s performance history; (2) the industry sector in which the fund invests; (3) the track record
of the fund’s manager; (4) the fund’s investment objectives; (5) the fund’s management style and
philosophy; and (6) the fund’s management fee structure. Portfolio weighting between funds
and market sectors will be determined by each client’s individual needs and circumstances.
Clients will have the opportunity to place reasonable restrictions on the types of investments
which will be made on the client’s behalf. Clients will retain individual ownership of all
securities that are held by an independent custodian.

Halberstadt Financial does not guarantee the future performance of any account or any
specific level of performance, the success of any investment decision or strategy that Halberstadt
Financial may use, or the success of Halberstadt Financial’s overall investment management. All
in- vestment decisions are subject to various markets, currency, economic, political, and
business risks, and those investment decisions will not always be profitable. Each client is
advised that it remains his/her/its responsibility to promptly notify Halberstadt Financial if there
is any change in his/her/its financial situation or investment objectives for the purpose of
reviewing, evaluating and revising Halberstadt Financial’s previous recommendations and/or
advisory services.