Harvest Financial Partners LLC

5.       Fees and Compensation
5.A      We are a fee-only adviser.
We are compensated for our advice solely by fees you pay us. We accept no commissions, trails, or other
types of compensation. We do not view the tools and research we receive from Charles Schwab to be com-
pensation. Those services are provided to any Investment Adviser using Charles Schwab as a broker-dealer
or Custodian, and Charles Schwab provides many of the services even to an individual who, without an
Investment Adviser, uses Charles Schwab as a broker-dealer or Custodian.

Our fee might be a percentage of assets under our management or advisement. Our fee might be measured
by the time we work for you. Our fee might be an amount fixed for a specified project or task. Our fee might
be a combination of these and other measures.

Our fee for discretionary investment management or nondiscretionary investment advice is (expressed
yearly) no more than 1.00% of your assets under our management or advice. We may negotiate fees.

Typically, we provide incidental financial-planning services for such a client. But some financial-planning
services might be for an additional fee, which would apply only if you agree to it.

If you authorized and we used margin for your investment portfolio, we don’t count your outstanding margin
balances in the assets on which we measure our fee.

Financial planning or consulting services fees
For financial planning or consulting services, we typically charge a fixed fee or hourly fee. Our financial
planning and consulting fees generally range from $250 to $4,000 for a fixed fee, or $350 an hour, depending
on the level and scope of the services and the professional rendering the financial-planning or consulting
services. We may also offer a service where clients agree to pay a monthly fee to have us available to answer
financial-planning questions as they arise.

To engage us to provide financial-planning or consulting services, you must enter into a written Agreement.
An Agreement states the terms and conditions of the engagement, describes the scope of our services, and
states the portion of the fee due after we commenced work but before completion. We may ask you to pay a
portion of the financial-planning or consulting fee (estimated hourly or fixed) promptly on making the
Agreement but before completion of the service. However, we limit any advance so a prepaid fee (if any)
does not exceed $500 for more than six months. The balance is generally due on delivery of the financial
plan or completion of the agreed-on services. Either party may end the Agreement by written notice to the
other. If you end our financial-planning or consulting services before we complete our work, we will refund
to you the remaining balance (if any) of our unearned fee.

Retirement Plan consulting fees
For Retirement Plan consulting where we serve as an adviser, our fee is no more than 0.50% of the Plan’s
assets for a year; fees can be negotiated. We have a minimum fee for our Retirement Plan consulting service.
For a start-up or very small Plan, this minimum fee could be more than 0.50% of the Plan’s assets. If you or
Harvest end our service so that we worked less than all of a fee-measurement period (usually, a quarter-
year), we adjust our fee so it is proportional to the portion of the period we worked.

March 5, 2026                                        Brochure                                       page 8 of 25

                                           Harvest Financial Partners, LLC

5.B      Ways to pay our fee
For fees measured on your assets under our management or advice, Harvest generally bills our fees quar-
terly. You may choose to be billed directly for fees, or to instruct your Custodian to directly debit our fees
from your Investment Account. Fees are not prorated for each capital contribution and withdrawal made
during the calendar quarter. An account initiated or terminated during a calendar quarter is charged a pro-
rated fee. On termination of an account, any earned, unpaid fees will be due and payable.

A Retirement Plan may pay our fee in either of these ways:

Employer pays: An Employer may pay our fee, paying it from the Employer’s money without using the
Retirement Plan’s assets. Concerning a Governmental Plan, we may refuse to accept payment from an Em-
ployer if we believe that the Employer lacks authority to pay our fee.

Plan pays: A Retirement Plan may pay our fee. To do so, the Plan’s Independent Plan Fiduciary must have
and use a power to pay us, or to instruct a trustee or insurer to pay us. If the Plan pays our fee, the Independ-
ent Plan Fiduciary decides how to allocate that expense among the Plan’s accounts, which may include Par-
ticipants’ Plan Accounts.

When do you pay fees?
For a fee measured on assets under our management or advice, fees are paid on quarterly periods in arrears.

For a fee measured on time worked (or as a fixed amount), you must pay promptly after we deliver our fee
statement. We can bill for some services on a monthly, quarterly, or yearly basis.

5.C      Others’ fees and expenses
Investing your assets will incur fees and expenses besides our fees. Those additional fees and expenses are
not our fees. If you invest in a mutual fund or exchange-traded fund, you will bear a share of the fund’s
expenses. If you use a Custodian, you might incur or bear transaction fees, commissions, or other brokerage
costs. A trust or insurance contract might involve fees and expenses. A Retirement Plan may allocate some
or all of the Plan’s expenses to be charged against Participants’ Plan Accounts, or even against a particular
Participant’s Plan Account.

5.D      When you pay us
For a fee measured on assets under our management or advice, we do not require or permit you to pay our
fee in advance. We use this restriction so that we do not have custody of your money in a way that could
...

7.       Types of Clients
We consider as clients an individual, a business, a trust, an estate, a charitable organization, or a Retirement
Plan, among others. We may advise another Investment Adviser. We may advise a lawyer, accountant, or
other professional to support his or her investment advice incidental to the practice of his or her profession.

We choose whether we want to accept a client. Usually, we will accept a client if the circumstances allow us
to provide a useful service for a reasonable fee.

Harvest usually has no minimum fee, except for Retirement Plan consulting. We may ask for a minimum fee
in some other circumstances.