K R Financial LLC

ITEM 5.          FEES AND COMPENSATION
Investment Management Fees:
KR Financial’s investment management fee schedule (“Advisory Fees”) for accounts managed by KR
Financial is based on a percentage of assets (generally net of any debit balances) and is set forth below.
The Advisory Fees represent the highest fee that may be charged absent special circumstances:

Account Assets                                                            Annual Fee
Under $10,000,000                                                            0.625%
$10,000,000 - $30,000,000                                                    0.50%
$30,000,001 - $49,999,999                                                    0.3750%
Over $50,000,000                                                             0.250%

Advisory clients who also use the Shared Family Office Services may receive a reduced fee on the KR
Financial’s investment supervisory services. KR Financial’s Advisory Fees are prorated and paid
quarterly, in arrears, based upon the average market value of the assets on the last business day of the
quarter. KR Financial’s actual fees may be negotiated and a client may pay more or less than similar
clients depending on the particular circumstances of the client, which may include considerations
related to size of the client’s account, additional and/or differing levels of service or as negotiated.
Clients that negotiate fees may end up paying a higher fee than that set forth in the fee schedules
above as a result of fluctuations in the client’s assets under management and/or account performance.

In addition to the investment management fee, the client may incur brokerage commissions, markups
and/or transaction fees for effecting certain securities transactions (i.e., transaction fees are charged
for certain no-load mutual funds, commissions are charged for individual securities transactions). In
addition, the client will also incur, relative to all mutual fund and exchange traded fund purchases,
charges imposed at the fund level (e.g., management fees and other fund expenses).

Shared Family Office Fees:
The KR Financial charges a fixed fee for the Shared Family Office Services payable in arrears. The
fee may be charged as frequently as monthly and is negotiable depending on the nature and extent of
the Shared Family Office Services provided, as well as the complexity of the client’s specific situation.
The fee charged for the Shared Family Office Services is set forth in the Advisory Agreement.

ITEM 7. TYPES OF CLIENTS
KR Financial provides investment advisory services to the following clients:
   • High Net Worth Individuals & Families;
   • Trusts, Estates, Charitable Organizations;
   • Corporations

KR Financial, LLC (IARD # 111282)
February 2026