Heckman Financial & Insurance Services Inc

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 HFIS offers discretionary direct asset management services to advisory Clients. HFIS
 charges an annual investment advisory fee based on the total assets under management as
 follows:
        Assets Under Management               Annual Fee              Negotiated Fee
                 All Assets                     1.50%
         Client Managed account                 $30/yr
 The annual fee is negotiable based upon certain criteria (e.g., historical relationship, type of
 assets, anticipated future earning capacity, anticipated future additional assets, dollar
 amounts of assets to be managed, related accounts, account composition, negotiations with
 Clients, etc.). Fees are billed monthly or quarterly in arrears based on the amount of assets
 managed as of the close of business on the last business day of the previous period. Lower
 fees for comparable services may be available from other sources. Clients may terminate
 their account within five (5) business days of signing the Investment Advisory Agreement
 with no obligation and without penalty. After the initial five (5) business days, the
 agreement may be terminated by HFIS with thirty (30) days written notice to Client and by
 the Client at any time with written notice to HFIS. For accounts opened or closed mid-
 billing period, fees will be prorated based on the days services are provided during the
 given period. All unpaid earned fees will be due to HFIS. Client shall be given thirty (30)
 days prior written notice of any increase in fees. Any increase in fees will be acknowledged
 in writing by both parties before any increase in said fees occurs.

 ERISA PLAN SERVICES
 The annual fees are based on the market value of the Included Assets and will not exceed
 1%. The annual fee is negotiable and may be charged as a percentage of the Included Assets
 or as a flat fee. Fees may be charged quarterly or monthly in arrears or in advance based on
 the assets as calculated by the custodian or record keeper of the Included Assets (without
 adjustments for anticipated withdrawals by Plan participants or other anticipated or
 scheduled transfers or distribution of assets). If the services to be provided start any time
 other than the first day of a quarter or month, the fee will be prorated based on the number
 of days remaining in the quarter or month. If this Agreement is terminated prior to the end
 of the billing cycle, HFIS shall be entitled to a prorated fee based on the number of days
 during the fee period services were provided or Client will be due a prorated refund of fees
 for days services were not provided in the billing cycle.
 The fee schedule, which includes compensation of HFIS for the services is described in
 detail in Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees,
 however the Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or
 have fees deducted from Plan Assets. HFIS does not reasonably expect to receive any
 additional compensation, directly or indirectly, for its services under this Agreement. If
 additional compensation is received, HFIS will disclose this compensation, the services
 rendered, and the payer of compensation. HFIS will offset the compensation against the
 fees agreed upon under the Agreement.
 ONE TIME FINANCIAL PLANNING AND CONSULTING
 One time Financial planning services are are offered based on an hourly fee of $500 per
 hour. Fees for may be billed 50% in advance with the balance due upon plan delivery, or
 due upon delivery of the completed plan.
 Lower fees for comparable services may be available from other sources. Prior to the
 planning process, the Client will be provided an estimated plan fee. Fees for financial plans
 are due upon delivery of the completed plan.
 ONGOING FINANCIAL PLANNING FEES
 Ongoing financial planning services are offered for an annual fixed fee between $900 and
 $12,000 based on complexity and unique Client needs. Fees are billed in equal installments
 either monthly or quarterly. Lower fees for comparable services may be available from
 other sources.
 THIRD PARTY MANAGERS
 We at times will utilize the services of TPM managers and receive a referral fee for
 referring clients. We will be paid a portion of the advisory fee paid to the TPM. The client
 will not pay additional advisory fees to the TPM for these services. This is detailed in Item
 10 of this brochure.
 SEMINARS AND WORKSHOPS
 HFIS holds seminars and workshops to educate the public on different types of investments
 and the different services they offer. The seminars are educational in nature and no specific
 investment or tax advice is given. HFIS does not charge a fee for attendance to these
 seminars.
Client Payment of Fees
 Fees for asset management services are deducted from a designated Client account to
 facilitate billing or they may pay HFIS directly. The Client must consent in advance to direct
 debiting of their investment account.

 Fees for financial plans will be billed to the Client and paid directly to HFIS.
 Fees for asset management services provided by TPM are deducted from a designated
 Client account by TPM to facilitate billing. The Client must consent in advance to direct
 debiting of their investment account.
Additional Client Fees Charged
 Although uncommon, custodians may charge brokerage commissions, transaction fees, and
 other related costs on the purchases or sales of mutual funds, equities, bonds, options and
 exchange-traded funds. Mutual funds, money market funds and exchange-traded funds also
 charge internal management fees, which are disclosed in the fund’s prospectus. HFIS does
 not receive any compensation from these fees. All of these fees are in addition to the
 management fee you pay to HFIS. For more details on the brokerage practices, see Item 12
 of this brochure.
Prepayment of Client Fees
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Item 7: Types of Clients
Description
 HFIS generally provides investment advice to individuals, high net worth individuals,
 trusts, estates, or charitable organizations, corporations or business entities. Client
 relationships vary in scope and length of service.
Account Minimums
 HFIS does not require a minimum to open an account.