Koss-Olinger Consulting LLC

ITEM 5 FEES AND COMPENSATION (CONTINUED)
 Fees to Koss Olinger are as follows:

                Market Value of Client Asset               Annual Fee Range
                                    $1 to $2,000,000       0.90 – 1.00%
                           $2,000,001 to $5,000,000        0.60 – 0.80%
                         $5,000,001 to $10,000,000         0.45 – 0.55%
                        $10,000,001 to $20,000,000         0.40 – 0.45%
                        $20,000,001 to $50,000,000         0.35 – 0.40%
                       $50,000,001 to $100,000,000         0.30 – 0.35%
                                 Over $100,000,000         0.25 – 0.30%

 The client will receive a statement showing the amount of the fee and the value of the client’s assets on which
 the fee was based. The client is responsible for verifying the accuracy of the fee calculation, as the client’s
 custodian will not determine whether the fee was properly calculated. Fees may be negotiated or waived under
 certain circumstances. For instance, related accounts (i.e. households or family relationships) may, at Koss
 Olinger’s sole discretion, be consolidated for valuation of assets to determine the fees to be charged.
 For custodians whose fees cannot be automatically deducted, a statement will be sent to the client that reflects
 the value of account assets and the fee amount due to the Adviser.
 Third Party Money Manager Fees
 Advisory fees charged by third party money managers ("TPMMs") are separate and apart from our advisory
 fees. Assets managed by TPMMs are in addition to our advisory fee, which is based on the fee schedule set
 forth in the Portfolio Management Services section in this brochure. Advisory fees that you pay to the TPMM
 are established and payable in accordance with the brochure provided by each TPMM to whom you are
 referred. These fees may or may not be negotiable. You should review the recommended TPMM's brochure
 and take into consideration the TPMM's fees along with our fees to determine the total amount of fees
 associated with this program.

 Other Fees and Expenses

 Advisory fees charged are separate and distinct from the fees and expenses charged by mutual funds, which
 may be recommended to clients. Clients may incur certain charges imposed by third parties other than the
 Adviser. A description of these and other expenses are available in each fund’s prospectus. The Adviser will
 not be compensated on the basis of a share of capital gains or on capital appreciation of the funds or any
 portion of the funds of the client.

 The client may choose to use the programs individually or in combination. All fees may be negotiable at the
 sole discretion of the Adviser. The client or the Adviser may cancel the Agreement at any time with 10 days
 written notice to the other. If the client wishes to cancel the Agreement prior to any services being performed,
 any advance payments shall be fully refunded. If the client cancels the Agreement after the Adviser has begun
 the services requested, the client shall be charged for the services completed and the remainder of any
 advance payments, if any, shall be refunded to the client within 30 days of the written request. If additional
 payment is due Adviser, an invoice shall be presented to the client and will be due upon receipt. Should the
 client terminate the Agreement within five business days after signing, no charges or penalties will be
 assessed. The client will be responsible for any fees or charges incurred by the client from third parties as a
 result of maintaining the account or for any securities transactions executed. Regardless of Advisor
 termination, investments made by the client in private securities transactions cannot be immediately
 terminated. In these cases, the client is bound by the terms of the LPA/Operating Agreement as a limited
 partner/member of such investment. This may mean, for instance, that the client would have to wait until the
 next redemption window to terminate the investment.

Form ADV – Part 2A            Koss Olinger Consulting, LLC             SEC No. 801-58175             03-31-2026

 Should outside consultants be required in areas of special concern or expertise, their fee and/or time charge
 will be in addition to Koss Olinger’s fee. All information and advice furnished by either to the other, including
 their agents and employees, shall be treated as confidential and not disclosed to third parties except as
 agreed upon in writing or required by law.

 A client may invest in securities and investment products directly without the services of the Adviser. In that
 case, the client would not receive the services provided by the Adviser, which are designed, among other
 things, to assist the client in determining which investment management programs and money managers are
 most appropriate to the client’s financial situation and objectives. The client should review both the fees
 charged by the funds and the fees charged by the Adviser and the other investment advisers chosen to fully
 understand the total amount of fees to be paid by the client. Only then will the client be able to fully evaluate
 the advisory services being provided and the fees being paid. In addition, the client may pay fees for custodial
 services, account maintenance, transaction fees and other fees associated with maintaining an account.
 Adviser does not share in any portion of such fees.

 The client will receive a statement at least quarterly from the custodian of their account, detailing all
 transactions and fees deducted from the account for that calendar quarter.

 Additional Compensation for the Sale of Securities and Insurance Products

 Supervised Persons of the Adviser, when acting as registered representatives of Valmark Securities, Inc.
 (“VSI”), an SEC-registered broker-dealer and FINRA member, will receive commissions-based compensation
...

ITEM 7 TYPES OF CLIENTS
 Our client base includes individuals, pension and profit sharing plans, trusts, estates, charitable
 organizations, and corporations or business entities not already mentioned.

 The new Koss Olinger client should have a minimum of $2,000,000 in investable assets and/or $5 million in
 net worth. However, the minimum may be waived for existing client relationships, employees and their
 relatives, and for new clients at our discretion. There is no minimum account size for financial planning
 clients.

 A client is expected to complete and sign various documents to establish an account. Some of the documents
 that a client would expect to complete and sign are the Risk Return Optimizer questionnaires, new account
 forms, a Financial Advisory Agreement and/or Private Client Account Agreement(s).