Loyd Financial Management Inc

Item 5 – Fees & Compensation

Overview
 The following paragraphs detail the fee structure and compensation methodology for services
 provided by the Advisor. Each Client engaging the Advisor for services described herein shall be
 required to enter into one or more written agreements with the Advisor.

Fees for Advisory Services
 Loyd Financial bases its advisory fees on a percentage of assets under management over which
 it has direct or indirect regular and continuous supervision or management, i.e., accounts managed
 by Focus. Loyd Financial receives a fee for its advice and, therefore, does not receive brokerage
 commissions. Comparable services may be available from other sources at a lower cost. Neither
 Loyd Financial nor any of its supervised persons accept compensation for the sale of securities or
 other investment products.

 When Focus is used for Client fund management, no-load mutual funds, and ETFs are generally
 used. All advisory fees are disclosed to the Client, for third-party portfolio managed
 accounts, within the Focus Investment Advisory or Relationship Agreement and/or the
 Statement of Investment Selection Agreement before any investments are made. Focus’
 management fee schedule for SA Funds and or any Non-SA Funds such as DFA, Vanguard,
 Bridgeway, iShares, etc., is provided within the respective fund prospectus or on Focus’ website.

 Legacy Asset Management is provided at no additional cost to those Clients that also have assets
 invested and managed by Focus in a model portfolio or portfolios on the Focus platform. This
 service is provided at no additional cost as a value-added service.

 The Client always has the right to purchase investment products recommended in a financial
 plan from another broker dealer or through another registered investment adviser not affiliated
 with Loyd Financial.

 Clients incur other types of fees or expenses in connection with our advisory services—See Item

Item 7 – Types of Clients

Client Accounts
 Loyd Financial generally provides financial planning and investment advice to individuals,
 high net worth individuals and charitable organizations. Client relationships vary in scope and
 length of service.

Account Minimums
 Loyd Financial’s minimum account size is $6,000 per account registration.