Lifefocus Financial Advisors LLC

Item 5 – Fees and Compensation

A.   Fee Schedule
ASSET MANAGEMENT
LFFA charges an annual investment advisory fee based on the total assets under
management as follows:

             Assets Under Management                   Maximum Annual Fee

                  $0 - $1,000,000                               .85%

              $1,000,001 - $2,000,000                           .80%

              $2,000,001 - $4,000,000                            .75%

                  Over $4,000,000                               .65%

This is a tiered or breakpoint fee schedule, meaning the entire account is charged the same
management fee. The annual fee is negotiable. Current client relationships may exist where
the fees maybe different than the fee schedule above.

Fees are billed quarterly in advance based on the amount of assets managed as of the close
of business on the last business day of the previous billing period.

LFFA may also charge an annual fixed amount for asset management. Fixed fees are billed
quarterly in advance. In certain circumstances a client is not able or does not desire to use a
fee based on a percentage of investable assets as described above. In this situation, a client
may opt for a flat fee of $6,500 annually, billed in quarterly installments of $1,625.

Lastly, please note that LFFA may group certain related Client accounts, often known as
“householding”, for the purposes of achieving the minimum annualized fee.

RETIRMENT PLAN SERVICES
The annual fees may be fixed, hourly or based on the market value of the Included Assets,
and the negotiated rate shall not exceed 1%. Fees may be charged quarterly in advance
based on the assets as calculated by the custodian or record keeper of the Included Assets
(without adjustments for anticipated withdrawals by Plan participants or other anticipated or
scheduled transfers or distribution of assets) on the last business day of the previous billing
period.

The fee schedule, which includes compensation of LFFA for the services provided, is
described in detail in the Retirement Plan Agreement. The Plan is obligated to pay the fees;
however the Plan Sponsor may elect to pay the fees. Clients may elect to be billed directly or
have fees deducted from Plan Assets. LFFA does not reasonably expect to receive any
additional compensation, directly or indirectly, for its services. If additional compensation is
received, LFFA will disclose this compensation, the services rendered, and the payer of
compensation.

FINANCIAL PLANNING AND CONSULTING
LFFA charges an hourly rate or fixed fees for financial planning and consulting. Prior to the
planning process the Client will be provided an estimated plan fee which will be based on the
complexity of the engagement. For hourly fee arrangements, services will be completed and
delivered within ninety (90) days contingent upon timely delivery of all required
documentation. LFFA reserves the right to waive the fee should the Client implement the plan
through LFFA. Hourly fee services are offered based on an hourly fee of $275 per hour. Fees
for financial plans are billed upon completion of the plan.

B.    Payment of Fees
Asset Management Fees are generally deducted directly from the Client’s Account.

Financial Planning and Consulting Fees are generally invoiced directly to the Client but may
also be deducted from another account held with LFFA.

LFFA, in its sole discretion, may charge a lesser investment advisory fee based upon certain
criteria (e.g., historical relationship, type of assets, anticipated future earning capacity,
anticipated future additional assets, dollar amounts of assets to be managed, related
accounts, account composition, negotiations with Clients, etc.).

For all services, Clients may terminate their engagement with LFFA within five (5) business
days of signing an Agreement with no obligation and without penalty. After the initial five (5)
business days, the Agreement may be terminated by LFFA with thirty (30) days written notice
to Client and by the Client at any time with written notice to LFFA. For accounts opened or
closed mid-billing period, fees will be prorated based on the days services are provided during
the given period. In the case of hourly engagements, fees will be prorated based on the work
completed at the stated hourly rate. All unpaid earned fees will be due to LFFA and all
unearned fees will be refunded to the Client. Any increase in fees will be acknowledged in
writing by both parties before any increase in said fees occurs.

C.     Additional Fees
Custodians may charge brokerage commissions, transaction fees, and other related costs
on the purchases or sales of mutual funds, equities, bonds, options, margin interest, and
exchange-traded funds. Mutual funds, money market funds, and exchange-traded funds may
also charge internal management fees, which are disclosed in the fund’s prospectus. LFFA
does not directly receive any compensation from these fees. All of these fees are in addition
to the management fee you pay to LFFA. For more details on the brokerage practices, see
Item 12 of this brochure.

D.    Prepayment of Fees
LFFA does not expect Clients to prepay fees.

E.    External Compensation for the Sale of Securities
LFFA does not receive any external compensation from the sale of securities.

Item 7 – Types of Clients & Account Minimums

LFFA’s Clients are generally individuals, small businesses, trusts, estates, high net-worth
individuals, and charities. Client relationships vary in scope and length of service.

There is no minimum account size and Clients are not required to have a certain amount of
investment experience or sophistication.