IFC and Insurance Marketing Inc

Item 5. Fees and Compensation
Prior to engaging IFC to provide any investment advisory services, the client will be required to enter into
one or more written agreements with IFC setting forth the terms and conditions under which IFC shall
render its services.

Financial Planning and Consultation Services Fees
IFC charges an hourly fee of up to $250 per hour, or a disclosed flat fee of no more than $10,000 for its
financial planning and financial consultation services. This fee may vary depending on the complexity of
the client’s financial situation, financial needs and the qualifications and experience of the IFC personnel
providing the requested services. The hourly fee is agreed upon prior to the start of the financial planning
relationship. Financial planning and consultation services terminate upon presentation of the written plan
or delivery of the requested consultation services.

While IFC generally bills for its hourly fees upon delivery of the requested services, IFC may request a
deposit of up to one-half of the estimated total hourly fee upon the client’s execution of the Financial
Planning and Consulting Services Agreement, with the balance due upon delivery of the requested
services. Financial planning and consulting fees are billed directly to, for payment directly by, the client
and are not billed to the client’s account. Hourly and flat fees are based upon the services to be provided,
and are negotiable. In its sole discretion, IFC may waive or reduce future financial planning or
consultation fees for clients who have engaged IFC for other services. In addition, certain affiliated
persons of IFC and family members and personal acquaintances of IFC's affiliated persons may receive
financial consultation services at a discounted rate which is not available to advisory clients generally.

The Financial Planning and Consulting Services Agreement automatically terminates upon IFC’s delivery
of the requested consultation services. Prior to the delivery of the requested services, either IFC or the
client may terminate the Financial Planning and Consulting Services Agreement at any time with written
notice to the other. If the Agreement is terminated, all fees due from the Client at the time of termination
are due and payable within thirty days. Advisor will refund any unearned, prepaid fees within thirty days of
termination. Should the Client wish to terminate the Agreement within 5 business days after signing, no
penalty will be assessed and all fees will be refunded promptly. All financial planning and consulting
services requested will be provided within 6 months of the time the agreement is signed or the Client will
receive a refund of unearned fees.

Commissionable Products
When Financial Planning and Consultation Services are provided, the client may be given the option of
implementing certain recommendations through IFC and/or IFC IARs. IARs of IFC may be licensed as
insurance agents with various insurance companies. When clients purchase recommended insurance
products through them in this capacity, they will earn compensation in the form of commissions and
insurance trail fees in addition to any advisory fees charged to the client. While IFC endeavors to at all
time to put the interest of the clients first as a part of IFC’s fiduciary duty, clients should be aware that the
receipt of commissions and/or additional compensation itself creates a conflict of interest, and may cause
the IAR to recommend products based upon the compensation received rather than the needs of the
client. Financial Planning and Consultation Services clients have the option of implementing and effecting
the transaction of any insurance products or other services that are recommended and may purchase
such products from the provider of their choice. When clients purchase commissionable products from an
IFC IAR, IFC may waive or reduce the amount of the financial planning or consulting fee as a result of the
additional fees and/or commissions being earned. Any adjustment to the financial planning or consulting
fee is at the discretion of IFC and will be disclosed to the client prior to implementing transactions.

Investment Management Services Fees
In the event the client engages IFC to provide investment management services, IFC shall do so for an
investment management fee based upon a percentage of the market value of the assets under
management.

Fee Calculation and Billing
The annual fee for investment management services is billed quarterly in advance based on the following
fee schedule. One quarter of the annual fee shall be billed quarterly based on the market value of the
client’s account under management at the end of the last business day of each quarter. The client’s initial
fee will be assessed on the same fee schedule based on the amount placed under management and then

pro-rated based on the number of days remaining in the initial quarterly period that the client’s portfolio
was under management billed the next business day after the end of the current quarter.
        Portfolio Value Annual Fee​       1.5%

IFC generally requires that clients authorize IFC to bill investment management fees to the client’s
account. IFC will send the client a billing invoice indicating the amount of the advisory fee, the value of the
client’s assets upon which the fee was based and the manner in which the fee was calculated. Clients will
also be provided statements from their selected custodian that reflect all account activity, including
management fee billing, and should use the information on these statements to verify the accuracy of the
fees and charges by the custodian and/or IFC. The custodian does not verify the accuracy of IFC’s fee
calculations.

The above fee schedule reflects IFC’s maximum fees for investment management services. IFC, in its
sole discretion, may negotiate to charge a lesser or no advisory fee based upon certain criteria (i.e.
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Item 7. Types of Clients
IFC generally provides investment advisory services to individuals, high net worth individuals, trusts,
pension and retirement plans and businesses. While the firm currently does not have any requirements
for establishing and maintaining an account, such as minimum account size, independent managers may
have such requirements, which may affect the availability and use of independent managers in client
accounts.