Main Street Financial LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client shall sign a wealth management agreement that details the responsibilities of Main Street and
the Client.

A. Fees for Advisory Services
Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
wealth management agreement. Wealth management fees are based on the market value of assets under
management at the end of each calendar quarter. Investment advisory fees range from 0.50% to 1.50% based on
the following schedule:

                      Assets Under Management                   Annual Rate
                      Up to $200,000                              1.50%
                      Next $200,000                               1.25%
                      Next $200,000                               1.00%
                      Next $200,000                               0.80%
                      Next $450,000                               0.60%
                      Over $1,250,000                             0.50%
                                                Main Street Financial LLC
                                    2500 Westchester Ave, Suite 107, Purchase, NY 10577
                                        Phone: (914) 698-8303 * Fax: (914) 698-0745
                                                 www.mainstfinancial.com

The wealth management fee in the first quarter of service is prorated to the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
by Main Street will be independently valued by the Custodian. Main Street will conduct periodic reviews of the
Custodian’s valuations to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities and custody fees, and other related
costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall
not receive any portion of these commissions, fees, and costs.

Financial Planning Services
Main Street offers financial planning services at an hourly rate of $300 per hour. Fees may be negotiable based on
the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate
for total hours and overall costs will be provided to the Client prior to engaging for these services

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor will notify the Custodian indicating the amount of the fees to be deducted from the
Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the
quarterly rate (annual rate divided by 4) to the total assets under management with Main Street at the end of the
quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the
investment advisory fee. Clients provide written authorization permitting advisory fees to be deducted by Main
Street to be paid directly from their account[s] held by the Custodian as part of the wealth management agreement
and separate account forms provided by the Custodian.

Financial Planning Services
Financial planning fees are invoiced by the Advisor and are due upon completion of the agreed upon deliverable[s].

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Main Street, in connection with
investment made on behalf of the Client’s account[s]. The Client is responsible for all securities execution and
custody fees charged by the Custodian, if applicable. The Advisor's recommended Custodian does not charge
securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the
terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for
mutual funds and other types of investments. The investment advisory fee charged by Main Street is separate and
distinct from these custody and execution fees.

In addition, all fees paid to Main Street for investment advisory services are separate and distinct from the
expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are
described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for
the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a
possible distribution fee. A Client may be able to invest in these products directly, without the services of Main
Street, but would not receive the services provided by Main Street which are designed, among other things, to
assist the Client in determining which products or services are most appropriate to each Client’s financial condition
and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by
Main Street to fully understand the total fees to be paid. Please see Item 12 – Brokerage Practices.

D. Advance Payment of Fees and Termination
Wealth Management
Main Street is compensated for its services in advance the quarter, before wealth management services are
rendered. Either party may terminate the wealth management agreement, at any time, by providing advance written
notice to the other party. After the first year, the Client shall be responsible for wealth management fees up to and
including the effective date of termination. Upon termination, the Advisor will refund any unearned, prepaid

                                                Main Street Financial LLC
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Item 7 – Types of Clients

Main Street provides investment advisory services to individuals, high net worth individuals, trusts, estates and
other businesses. The amount of each type of Client is available on the Advisor's Form ADV Part 1A. These
amounts may change over time and are updated at least annually by the Advisor. Main Street generally does not
impose a minimum relationship size.