Integrated Financial Consulting LLC

Item 5 Fees and Compensation
Generally, fees are negotiable at the discretion of INTEGRATED FINANCIAL
CONSULTING. Depending upon the type of engagement, fees are calculated in one of
the following methods:
Investment Management Fee: IFC may charge an annual fee for investment management
services based on the assets under management when no financial planning services are
being provided to the Client. This fee is negotiable and ranges between 1-1.5% of the
assets under management, depending upon the amount of assets managed by IFC.
Client's fee will be set forth in the client's agreement and agreed to by the client before
services begin.
Hourly: For financial planning engagements of a more limited scope IFC may charge an
hourly fee that ranges between $300 - $750/hour, depending upon the complexity of the
engagement. This fee is charged when IFC is delivering advice on a limited scope and
no on-going investment management is being provided. Discounts are negotiable based
on client circumstances and at IFC's sole discretion. Client's fee will be set forth in the
client's agreement and agreed to by the client before services begin.
Fixed Fee for a Limited Engagement:
For our limited-scope financial planning, you will pay either a fixed fee at the time of
signing the engagement, or you will pay an hourly fee that is billed in 3-to-10-hour
increments depending on the expected length of the engagement. This fee is charged
when IFC is delivering advice on a limited scope and no on-going investment

management is being provided. Discounts are negotiable based on client circumstances
and at IFC's sole discretion. Client's fee will be set forth in the client's agreement and
agreed to by the client before services begin. If any of the fixed fee paid remains unearned
at the conclusion of the engagement we will refund you the unearned portion of your fee.
Annual Fixed Fee for On-going Engagements:
For Clients receiving comprehensive financial planning and investment management
services from IFC, the Firm may charge an annual fixed fee that ranges from $5,000 -
$250,000, based primarily on: (1) client's non-capital gain income, (2) client's net worth,
and (3) complexity of client's financial situation. The exact fee will be quoted to the client
before the engagement begins. Additional charges for travel and other out of pocket
expenses, and extra tax return preparation may also be charged to the client as disclosed
in the client's agreement.
Renewal Fees for the Annual Fixed Fee: Prior to the conclusion of a term of service the
Firm will notify the client of the fixed annual fee for the upcoming year. A renewal year's
fee is calculated in the same manner as the initial fee and generally ranges from $1,000
- $250,000, depending upon the scope of the engagement determined at the time of the
renewal of the engagement.
IFC will provide clients with advance written notice of any amendments to a client's fee
and clients will have the option to consent to the new fee or terminate services before the
increased fee takes effect.

Fee Billing:

Annual Fixed Fee for On-going Engagements
The annual fixed fee charged in on-going comprehensive engagement is normally billed
quarterly, in advance. Although INTEGRATED FINANCIAL CONSULTING may, on
occasion, agree to a client to pay by check upon presentation of an invoice, the fee is
normally deducted from a designated client account directly by the custodian upon the
Firm's instruction. The client must consent in advance to direct debiting of their
account(s). If a client elects to have their fee deducted from their account, the custodian's
account statements will show the fees deducted from the account. But, it is important to
note that custodial firms do not verify advisory fee calculations.
Investment Management Fee
The fee charged for investment management service is billed quarterly, in advance.
Meaning, the firm invoices the client at the beginning of every three-month calendar billing
period. The fee is based on the value of the account(s) at the time of the engagement or
renewal. Although INTEGRATED FINANCIAL CONSULTING may, on occasion, agree to
a client to pay by check upon presentation of an invoice, the fee is normally deducted
from a designated client account directly by the custodian upon the Firm's instruction. The
client must consent in advance to direct debiting of their account(s). If a client elects to
have their fee deducted from their account, the custodian's account statements will show
the fees deducted from the account. But, it is important to note that custodial firms do not
verify advisory fee calculations.

Fixed Fee for Limited Engagement: IFC sets forth the fixed fee in a limited scope
engagement in the Client's agreement at the beginning of the engagement. Generally,
one half of the fixed fee will be charged at the time of signing the engagement agreement
and the remaining amount billed at the conclusion of the second meeting.

Hourly Fee:
When IFC is engaged for financial planning and consultation services under an hourly fee
arrangement the hourly rates are between $300 - $750/hour per hour depending upon
the complexity of the matter. Clients are billed in 6-minute increments and a partial
increment will be treated as a whole. This fee is generally billed in 3 to 5 hour increments,
depending on the expected length of the engagement.

Other Fees

Clients may incur certain fees or charges imposed by third parties as to the securities
held in the account. The Client is responsible for all custodial and securities execution
fees charged by the custodian and executing broker-dealer. Please see Item 12
Brokerage practices for more information. The Investment Advisory Fee charged by
INTEGRATED FINANCIAL CONSULTING is separate and distinct from these custodian
and execution fees.

Expense Ratios
Fund companies charge each fund shareholder an investment management fee that is
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Item 7 Types of Clients

Description
INTEGRATED FINANCIAL CONSULTING generally provides investment advice to
individuals, high net-worth individuals, and to trusts of those individuals.
Client relationships vary in scope and length of service.