IF Advisors LLC

Fees and Compensation
For 401(k) Plans
Plans pay fees directly to each of the parties involved in administering the retirement plan,
including the recordkeeper, third-party administrator, asset custodian, and investment advisor.
the Firm typically serves as the investment advisor. Advisory fees are based on plan assets and
vary by service tier. All fee structures use a progressive marginal rate, meaning each rate
applies only to the assets within that tier, not the total plan balance.
Core Advisory Fee. First $2,500,000 at 0.65%; $2,500,001 to $7,500,000 at 0.45%; above
$7,500,000 at 0.35%. Annual minimum: $6,000.
Enhanced Advisory Fee. First $2,500,000 at 0.80%; $2,500,001 to $7,500,000 at 0.60%;
above $7,500,000 at 0.50%. Annual minimum: $10,000.
Strategic Advisory Fee. Custom pricing is available for larger or more complex plans requiring
an expanded scope of services. Strategic engagements are governed by a separate agreement
and priced on a plan-specific basis.
The specific services included in each tier are described in the plan’s service agreement.
Additional services beyond the standard tier, such as recordkeeper searches, supplemental
education sessions, or other project-based engagements, may be available at a separate fee as
described in the plan’s service agreement.
Fees are billed quarterly in arrears and are deducted directly from the plan assets or paid by the
plan sponsor. The asset fee is calculated based upon the market value of the plan assets as
determined by the custodial statements as of the close of business on the last business day of
each quarter. Fees are negotiable.
Recordkeeper Fee Calculation Methodology. The Firm’s standard billing methodology for
retirement plan advisory services is quarterly in arrears, calculated based on the market value of
plan assets as of the last business day of each quarter. However, certain plan recordkeepers
require fee calculation or billing mechanisms that differ from the Firm’s standard methodology.
For example, a recordkeeper may require monthly billing based on month-end plan asset
values, or may calculate quarterly fees using monthly average asset values rather than a single
quarter-end measurement. Where the Firm’s standard methodology is not available through the
plan’s recordkeeper, the Firm will select the fee calculation method available through the
recordkeeper that most closely approximates the Firm’s standard policy. The applicable
methodology for each plan is documented in the plan’s service agreement and ERISA Section
408(b)(2) fee disclosure provided to the plan sponsor. While the specific calculation method
may produce minor period-to-period variations compared to the Firm’s standard methodology,
these differences are not expected to result in materially different total fees over time.
Plans that originated at Aspect Wealth Management or Financial Life Advisors may be billed
under legacy fee arrangements documented in their existing service agreements. These legacy
arrangements are being transitioned to the Firm’s standard fee schedule over time.

210-200-8878 | info@inflectionfinancial.com                                                            Page 7
Investment advisory services offered through IF Advisors, LLC, an SEC-registered investment adviser.

Inflection Financial

The Firm does not receive any indirect compensation such as 12b-1 fees, revenue sharing, or
sub-transfer-agent fees from any fund company, recordkeeper, or other service provider in
connection with its retirement plan advisory services.

Financial Advice Center Fees
Plan sponsors may receive access to the Financial Advice Center as a component of their plan
services at an additional charge. A separate service agreement must be entered into for access.
Plans enrolled in the Core service tier may elect FAC services as an optional add-on at an
additional fee of 0.15% (15 basis points) of plan assets, subject to a $2,000 annual minimum
and a $25,000 annual maximum, billed annually in advance. Plans enrolled in the Enhanced
service tier may elect FAC services as an optional add-on at an additional fee of 0.10% (10
basis points) of plan assets, subject to a $2,000 annual minimum and a $25,000 annual
maximum, billed annually in advance. There is no additional charge to individual participants for
FAC consultations.

For Individuals
The Firm provides several different ways to engage the Firm’s services. The method of payment
depends on the services required by the client.
Option 1: $7,500/year base fee + 0.50% of assets under management. Comprehensive
financial planning services, including investment strategy, retirement planning, tax planning
considerations, insurance review, estate planning considerations, and cash flow analysis, are
included in this fee.
Consulting Services: $550 per hour for project-based consulting services provided to
individuals or entities that are not parties to a Wealth Management Advisory Agreement, or that
request services outside the scope of any existing advisory relationship. Such services are
quoted in advance and require prior written authorization. This consulting arrangement is
separate from, and does not apply to, the Wealth Management Services described above.
Legacy Arrangements: Legacy clients. Some clients have a different fee schedule that was
previously negotiated. New clients are no longer offered these options.
Fees may be negotiated on a case-by-case basis based upon factors determined by the Firm to
be material, including but not limited to account size and servicing requirements. Certain clients
may pay under negotiated fee arrangements that differ from the standard fee schedule. Fees
are charged quarterly in arrears and are deducted from the client’s account. The asset-based
component is calculated based on the market value of assets as determined by Schwab’s
custodial statements as of the last business day of each quarter. The annual base fee is
...

Types of Clients
The Firm provides investment advisory services to employer-sponsored 401(k) retirement plans
and individual clients.
The suggested minimum account size for individual wealth management clients is $1,000,000.
Clients with assets below $500,000 should be aware that the Firm’s fee structure may result in a
total effective fee that is meaningfully higher than the asset-based component alone. The Firm
does not impose a hard minimum and will accept clients below the suggested minimum at its
discretion, provided the client understands the total cost of services relative to their account
size.

Methods of Analysis, Investment Strategies and Risk of Loss