KKM Financial LLC

Item 5 - Fees and Compensation

Fees paid to KKM are for KKM advisory services only and are negotiable. The fees do not include, for
example, the fees charged by third parties such as third-party managers, or accountants and attorneys
assisting with providing the client with accounting and legal advice. Transaction charges and other
account fees will also be charged by brokerage firms in accordance with the account’s brokerage firm’s
normal transaction charges schedule. See Item 12, Brokerage Practices.

Before clients are billed the fee calculation is reviewed by the firm’s Representative providing services
and approved by the firm's CCO (or designee) before being submitted to the client for approval. Upon
approval, the client instructs their respective broker-dealer to make the payment to KKM.

Prospective clients should be aware that in addition to KKM's advisory fees, each mutual fund in which a
client's assets are invested also pays its own advisory fees and other internal expenses which already have
been deducted from the fund's reported performance. Depending on the fund, a client may be able to
invest directly in the shares issued by the fund with or without incurring any sales or third-party
management fees. Account maintenance fees are also deducted by the custodian.
In addition, there are tax effects pertaining to fund share redemptions, and other sales, made by KKM on
behalf of clients. Redemptions and sales are taxable events which may accelerate the recognition of
capital gains, and losses, and frequent redemptions and sales may result in short-term, rather than long-
term, capital gains and losses.

Clients can purchase investment products through brokerage firms and agents other than those
recommended by us. Clients are required to select a broker of their choice prior to entering into the
services agreement with us. That firm must be registered in the state in which the client resides.

KKM typically does not charge its employees or related accounts advisory fees.

                       KKM Financial, LLC
                    ADVISORY FEE SCHEDULE
                        Effective June, 2025

1. KKM Asset Allocation, 2. KKM Bond Selection, 3. Essential 40, 4. KKM
Equity Selection, 5. Dynamic Model Portfolios, 6. KKM Dynamic Options
Overlay Program.

            Consulting & Management Services – Annual Fees

  1) Asset Allocation (Including simple option overlay consulting and mgmt. services)
     Conservative Model, Moderate Model, Growth Model, Aggressive Growth Model
                                   Customized Equity Allocation

            Net Asset Value                                      Annual Fee

              $100,000 – 999,999                                   1.25%
              $1,000,000 – 4,999,999                               1.00%
              $5,000,000 – 9,999,999                               0.75%
              $10,000,000 +                                       Negotiated

2) Essential 40

         Net Asset Value                                       Annual Fee

          $100,000 – 999,999                                    1.25%
          $1,000,000 – 4,999,999                                1.00%
          $5,000,000 – 9,999,999                                0.75%
          $10,000,000 +                                       Negotiated

3) KKM Equity Selection (Model driven equity selection)

         Net Asset Value                                       Annual Fee

          $100,000 – 999,999                                    1.25%
          $1,000,000 – 4,999,999                                1.00%
          $5,000,000 – 9,999,999                                0.75%
          $10,000,000 +                                       Negotiated

4) KKM ETF Dynamic Model Portfolios
     Tactical Rotation Model, Sector Rotation Model, International Rotation Model,
     Fixed Income Model, Developed ex-US Dynamic FX Hedged Model

          Net Asset Value                                      Annual Fee

          $100,000 – 999,999                                    1.25%
          $1,000,000 – 4,999,999                                1.00%
          $5,000,000 – 9,999,999                                0.75%
          $10,000,000 +                                       Negotiated

5) KKM Bond Selection (Stand Alone)
        Net Asset Value                                        Annual Fee

           $100,000+                                              0.5%

    6) KKM Dynamic Option Overlay Program (Only Available to Qualified Clients*)

                 o Performance Based Fee (incentive fee) of 1/10 is available to
                         qualified clients*. Please see “Incentive Fee” for further
                         information.

     *Qualified Client
        1. A natural person who or a company that has at least $1,100,000 under the
           management of the investment adviser; or

        2. A natural person who or a company that the investment adviser reasonably believes has a
           net worth (together, in the case of a client which is a natural person, with assets held jointly
           with a spouse) of more than $2,200,000.

Asset Management Fee.

Fees are billed daily, monthly, or quarterly in arrears based on the agreed upon annual management fee
with the client. Fee billing functionality of the custodian (broker-dealer, bank) will typically designate
how the client chooses the billing cycle. (i.e. Interactive Brokers allows for daily fee deductions). Fees
may be amended at the discretion of KKM Financial. Typically, monthly fees charged are computed
based on net asset value (NAV) of assets under management on the last calendar day of the month and
quarterly fees charged are computed based on the net asset value (NAV) of assets under management on
the last day of the quarter. In some instances, monthly fees could be computed based on the average daily
...

Item 7 - Types of Clients/Minimum Account Size

KKM makes its advisory services available to a wide variety of clients including, but not limited to,
individuals, trusts, estates and investment companies.

The minimum market value of cash and/or securities to open an account is $100,000. The minimum may
be waived at KKM's discretion.