Lynch Financial Advisors Inc

Item 5: Fees and Compensation

Clients are not required to maintain an ongoing planning engagement and may terminate the agreement
upon thirty (30) days' written notice. Upon termination, fees will be assessed in accordance with the terms
of the client's advisory agreement.

Financial Reviews are available for a fixed fee of $1,500 per review. A Financial Review generally includes
approximately two hours of meeting time and two hours of preparation and follow-up work. Fees are
charged in accordance with the schedules below:

Schedule A — Standard Fee Schedule
Tax preparation is billed separately through Lynch Tax LLC.

 Assets Under Management                               Annual Advisory Fee

 $0 – $500,000                                         1.20%

 $500,000 – $1,500,000                                 0.95%

 $1,500,000 – $3,500,000                               0.70%

 $3,500,000 – $5,000,000                               0.50%

 $5,000,000+                                           0.40%

Schedule B — 401(k) Plans
Tax preparation is billed separately through Lynch Tax LLC.

 Plan Assets Under Management                          Annual Advisory Fee

 $0 – $5,000,000                                       0.60%

 $5,000,000+                                           0.45%

Schedule C — Legacy
For Founder clients with $1,500,000 or more in assets under management with Lynch Financial Advisors.
Combined household assets must exceed $2,000,000 to qualify for Legacy pricing. Minimum participation
for family members is $500,000 AUM.
Tax preparation is billed separately through Lynch Tax LLC.

 Assets Under Management                               Annual Advisory Fee

 $0 – $1,500,000                                       0.95%

 $1,500,000 – $3,500,000                               0.70%

 $3,500,000 – $5,000,000                               0.50%

 $5,000,000+                                           0.40%

Schedule E — Monthly Accumulation Clients
For clients who pay a monthly retainer. Fee is based on household AUM and filing status. Clients who reach
$150,000 in AUM transition to Schedule A — Standard Fee Schedule (Wealth Management Client status).
The monthly retainer is a combination of asset management and tax preparation services: 10 months of
payments are allocated to Lynch Financial Advisors for asset management, and 2 months of payments are
remitted to Lynch Tax LLC for tax preparation services. For compliance purposes, tax preparation fees
cannot be charged through Lynch Financial Advisors and are billed separately through Lynch Tax LLC.
                 Client's Kids    $0 – $75,000       $75,000 –         $150,000+
                                                     $150,000

 Single          $25 – $50/mo     $100/mo            $150/mo           Schedule A — Wealth
                                                                       Management Client

 Married         $50 –            $150/mo            $200/mo           Schedule A — Wealth
                 $100/mo                                               Management Client

General Fee Terms
Advisory fees are based on the fair market value of the portfolio under management at the closing date
of each month. In the event that the client terminates the managed account between monthly billing
cycles, the client will receive a pro-rata refund based on the amount of time their account has been under
management          and        the      time      remaining     within      that     particular    month.

A client may also incur certain charges imposed by custodians and other third parties. These include
transfer fees, execution costs, administrative fees, 12b-1 fees, and other similar fees on brokerage
accounts and securities transactions. Exchange traded funds also charge internal management fees, which
are disclosed in the relevant fund’s prospectus. Lynch Financial Advisors does not receive these fees or
any other compensation from exchange traded fund managers. Such fees are in addition to advisory fees
contained in the above schedules.

If Lynch Financial Advisors is unable to collect the advisory fee from the client’s account, Lynch Financial
Advisors reserves the right to liquidate assets to pay advisory fees, or to assess the fee in arrears and/or
terminate the client’s participation in the Program. Any unearned pre-paid fees will be calculated and
refunded on a pro-rata basis.

Payment Methods
Clients may pay financial planning fees by credit card, check, or other payment methods approved by the
Firm. Asset management fees may be deducted directly from the client's brokerage account pursuant to
the client's authorization. Additional details regarding billing arrangements are set forth in the client's
advisory agreement.

Fee Waivers and Reduced Fees
The Firm may, in its sole discretion, waive or reduce fees for certain clients based on individual
circumstances.

Termination and Refunds
Clients may terminate their advisory agreement upon thirty (30) days’ written notice.

Financial Review fees are generally billed after services are provided. Refund requests for Financial Review
engagements will be considered on a case-by-case basis at the Firm’s discretion.

For retainer engagements, monthly fees are billed at the beginning of each month and cover services for
that month. If a client terminates during the month, the engagement will end thirty (30) days after the
Firm receives written notice of termination. Any refund will be determined based on the timing of the
termination notice, fees paid, and services provided through the effective termination date, as described
in the client’s advisory agreement.

Other Fees and Expenses
In addition to the Firm's advisory fees, clients may incur certain fees and expenses imposed by third
parties. These may include, but are not limited to, custodian fees, brokerage commissions, transaction
...

Item 7: Types of Clients

The Firm provides advisory services to individuals, high-net-worth individuals, trusts, retirement plans,
small business retirement plans, businesses, and corporations. The Firm may also provide financial
planning and consulting services to business owners and other clients based on their individual needs.

The Firm does not impose a minimum account size requirement for advisory services. In limited
circumstances, the Firm may provide advisory services at a reduced fee or without charge to individuals
who demonstrate a financial need for such assistance. The decision to waive or reduce fees is made on a
case-by-case basis at the Firm's discretion.