Markle Financial LLC

Item 5 Fees and Compensation
MFL's fees may be negotiable at the firm's discretion, depending on the services being provided and
can vary from Client to Client based on a variety of factors, including but not limited to, the investment
objective, mandate or strategy; investment asset classes and vehicles involved; degree of servicing
required; overall Client account/relationship size; the custodial platform, prevailing market-place
conditions and other factors MFL deems relevant.

The fees we charge for our advisory services differ depending on the custodian that holds your assets,
therefore fees are typically disclosed in the custodial documents that are signed by the Client. If not
disclosed on custodial documents, fees are disclosed in MFL's client agreement.

MFL does not have a minimum account size requirement, however, MFL does have a $2,500.00
minimum flat advisory fee for the Firm's advisory services, which is subject to the investment advisor's
discretion.

Client accounts managed on the SEI Private Trust Platform ("SEI") will pay additional fees charged by
selected third party managers or from mutual funds or ETFs. Third party manager fees currently range
between .18%-1.35%, which may be discounted by SEI based on the firm's assets on their
platform. Changes in the selection of third party managers may result in fees charged by third party
managers to change. These fees can be greater or less than the fees initially charged. Advisor fees
and manager fees are disclosed in the initial SEI Client proposal. SEI platform third party manager
fees and MFL fees are charged quarterly in arrears based on the value of the account at the end of the
quarter.

For certain clients, where appropriate, we can recommend a 1035 exchange of their annuities.
Annuities are billed based on an asset based fees as stated in the client contract.

Client accounts managed at TIAA and American funds are billed quarterly in arrears on the value of
the account at the end of the quarter.

Assets held within each independent Custodian or Transfer Agent are aggregated for the purpose of
tiered fee discounts. Assets held across multiple Custodians or Transfer Agents are not aggregated in
total for purposes of additional tiered fee discounts."

Other custodians may bill fees on a different frequency. Fee frequency and calculation method is
disclosed in the client's new account opening documents.

Fees for the management of 401k plans are subject to negotiation, and will be stated, along with the
frequency, and method of calculation in the contracts supplied by the plan record keeper.

As stated above, Clients will also bear additional fees and costs for services rendered by Client-
approved TPAs, the asset management platform sponsors, and qualified custodians.
These latter fees and costs are detailed further in TPA, platform
sponsor and custodian contractual agreements and associated disclosure documents which the Client
will be furnished at account opening.

MFL calculates fees for certain custodians, otherwise the fees are calculated by the custodian. Clients
may terminate the Investment Advisory Contract at any time, upon written notice, subject to payment of
prorated fees. Consulting and Financial Planning fees may be partially charged and collected in
advance, subject to the Client's approval. Clients may terminate an executed agreement in writing,
without penalty for a full refund of unearned fees, if any.

Wrap Fee Programs
MFL does not participate in or sponsor a wrap fee program but may, in certain instances, cause Clients
to participate in such a wrap fee program through selected third party managers. Sponsor and advisers
to a wrap fee program disclose wrap program fees at or prior to the initial investment in a wrap
account. Please review the appropriate Disclosure Brochure and Wrap Fee Disclosure Brochure of the
specific wrap fee program for more information.

Payment of Investment Advisory Fees
Asset-based advisory fees are ordinarily charged, in accordance with the Client written authorization,
on a quarterly basis, directly from the Client's custodian account(s). Some MFL representatives provide
asset allocation advice through solicitors, co-advisor, and sub-adviser programs of various unaffiliated
third-party investment advisers based on your personal and financial goals, investment objectives, and
risk tolerance. MFL enters into relationships with third party investment advisers that pass the MFL
due diligence process. Third party investment advisers recommended by MFL, or a representative
must be approved. There could be other third-party investment adviser programs suitable for you that
are more or less costly.

A complete description of the third-party investment adviser's services, fee schedules and account
minimums will be disclosed in the third-party investment adviser's Form ADV, Brochure and/or other
written disclosure which will be provided to you at the time an agreement for services is executed. We
strongly suggest that you review these materials to familiarize yourself with the third-party investment
adviser chosen. MFL charges Clients who participate in these services a fee based on a percentage of
the value of the Client's assets. Third party investment advisers' charge Clients a separate fee based
upon services provided by the third-party investment adviser. The fee is separate from and may not
include custodial charges, transaction charges, contingent deferred sales charges on funds purchased
prior to their participation in the account, mutual fund sales load, 12b-1 fees, surrender charges, or
other costs imposed by third parties.

Other Fees and Expenses
In addition to the fees described above, Clients may bear other costs associated with investments or
accounts including but not limited to: (i) custodial charges, brokerage fees, commissions and related
costs; (ii) interest expenses; (iii) taxes, duties and other governmental charges; (iv) transfer and
...

Item 7 Types of Clients
As discussed in Item 4 - Advisory Business of this Brochure, MFL currently provides investment
management services, as an investment adviser, to individuals, high net worth individuals, pension and
profit-sharing plans on a discretionary and non-discretionary basis. There is no minimum asset size for
any of MFL's services, however, at the discretion of the advisor, there is a minimum account annual
advisor fee of $2,500.