LGT Financial Advisors LLC

Item 5           Fees and Compensation

     A.
                                     INVESTMENT ADVISORY SERVICES
         The fee schedule for our investment advisory services as of March 26, 2025, is as follows:

                    EQUITY, BOND AND BALANCED PORTFOLIOS (stock and bond)

                                                              Annual Fee as a %
                             Account Market Value             of Market Value
                             $0 - $1,000,000                  1.00%
                             $1,000,000 - $3,000,000          0.75%
                             $3,000,000 - $5,000,000          0.50%
                             $5,000,000+                      Negotiable

                FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
         To the extent specifically requested by a client, Registrant may determine to provide
         financial planning and/or consulting services (including investment and non-investment
         related matters, including estate planning, insurance planning, etc.) on a stand-alone fee
         basis. Registrant’s planning and consulting fees are negotiable, but generally range from
         $3,000 to $20,000 on an annual fixed fee basis, and between $350 to $395 on an hourly
         rate basis, depending upon the level and scope of the service(s) required and the
         professional(s) rendering the service(s).

                                     Information About Fees in General

         The Registrant’s fee is negotiable, and it may agree to reduce, waive, or charge clients
         alternative fee arrangements. These negotiations and decisions are driven by various
         objective and subjective factors, including the representative assigned to the account, the
         amount of assets to be invested, the complexity of the engagement, the anticipated number
         of meetings and servicing needs of the client, related accounts, future earning capacity, and
         anticipated future additional assets. As a result, similar clients could pay different fees,
         which will affect a client’s net account performance. Moreover, the services to be provided
         by the Registrant to any particular client could be available from other advisers at lower
         fees. All clients and prospective clients should be guided accordingly. Upon request and
         with our written approval, accounts that have a family or business relationship and are
         subject to our standard Equity, Bond and Balanced Portfolios fee schedule are generally
         aggregated with each other for purposes of calculating the applicable fee.

         Since the inception of our business, we have had other fee schedules in effect, which may
         provide for fees lower or higher than those shown above. Therefore, some of our clients
         pay higher or lower fees than our current standard fee schedules. From time to time, we
         negotiate fee schedules and minimum fees that vary from those discussed above.
         Additionally, the Registrant may provide investment advisory services to certain of its
         principals, employees, and their family members and friends without charge, orfor fee rates
         that are lower than the rates available to other clients.

   B. Clients may elect to have Registrant’s advisory fees deducted from their custodial account.
      Both Registrant's Investment Advisory Agreement and the custodial/clearing agreement
      may authorize the custodian to debit the account for the amount of Registrant's investment
      advisory fee and to directly remit that management fee to Registrant in compliance with
      regulatory procedures. In the limited event that Registrant bills the client directly, payment
      is due upon receipt of Registrant’s invoice. Registrant shall deduct fees and/or bill clients
      quarterly in advance, based upon the market value of the assets on the last business day of
      the previous quarter.

   C. As discussed below, unless the client directs otherwise or an individual client’s
      circumstances require, Registrant shall generally recommend that Charles Schwab & Co.
      Inc. (collectively “Schwab”) serve as the broker-dealer/custodian for client investment
      management assets. Broker-dealers such as Schwab charge brokerage commissions
      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 equity
      and fixed income securities transactions). From time to time, the Registrant and its
      employees may recommend that certain clients enter into asset-based pricing arrangements
      with a custodian. In those instances, the client would not pay for the cost of each transaction
      but would instead pay an asset-based fee designed to cover the cost of transactions. The
      Registrant only recommends them for accounts it expects to trade frequently, where it has
      a reasonable belief that the asset-based fee will be more favorable than paying transaction
      costs separately. The Registrant is not required to recommend or make this arrangement
      available to every client. The Registrant periodically reviews these arrangements, but it
      will not recommend that the client change their pricing arrangement, unless it determines
      that the benefit to the client will outweigh the administrative cost of changing the account
      relationship. In addition, there is no guarantee that a client will save fees and expenses by
      entering into this arrangement.

         Clients entering into an asset-based pricing arrangement will still incur a “trade away” fee
         for each trade that the Registrant has executed by a different broker-dealer than a client’s
         custodian. Because of this, in order to minimize clients’ trading costs, we generally execute
...

Item 7           Types of Clients

         Registrant’s clients generally include individuals, pension & profit sharing plans, and
         charitable organizations, although the Registrant has various different types of clients.