McClarren Financial Advisors Inc

Item 5 – Fees and Compensation
Standard Retainer
Fees for the Initial Year of Standard Retainer range from: $5,000 - $100,000.
Fees are calculated annually and payable every four months, in advance. The first payment of the year
is 50% of the total. The two remaining payments are 25% of the total. Fees are calculated based on
the overall complexity of clients’ financial situation and the amount of time projected to complete the
agreed upon services.
Legacy clients may have lower fees.
Add-ons, credits, and miscellaneous adjustments: Credits and miscellaneous adjustments may be applied if
warranted. Any credits or adjustments will be determined at the sole discretion of MFA.
In no event will MFA require prepayment of more than $1200.00 in fees per client, six months or
more in advance of providing services to any client.
In addition to MFA’s fee, clients may incur certain other fees and charges to implement MFA’s
recommendations. Additional charges and fees may be imposed by custodians, brokers, third party
professionals and other third parties, such as fees charged by managers, custodial fees, deferred sales
charges, odd-lot differentials, transfer taxes, wire transfer and electronic funds fees, and other fees and
taxes. Mutual funds and exchange traded funds also charge internal management fees which are
disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition
to MFA’s fee.
Fees are generally not negotiable. The client may terminate an engagement by providing written notice
within five business days of signing a retainer agreement. Additionally, either party may terminate an
agreement, at any time upon 30 days written notice. Any prepaid but unearned fees will be promptly
refunded by MFA. MFA does not impose any penalties for termination of any agreement, however
any fees that have been earned but not yet paid by the Client will be due and payable to MFA. Whether
fees have been earned or unearned will be determined by MFA at MFA’s sole discretion.
Fees are billed per the client agreement and may be paid by check, credit card, or direct fee deduction
from a client’s account held by their qualified custodian. For direct fee deduction, clients will provide
written authorization to the custodian of their accounts at Charles Schwab and Co., Inc. and Fidelity
to pay their fees from the client’s account(s). MFA will send the client a bill showing the amount of
the advisory fee owed, and if the client elected to have their fee directly deducted, the amount to be
deducted and the specific manner in which the fee was calculated. Charles Schwab and Co., Inc. and
Fidelity do not verify the accuracy of MFA’s advisory fee calculation. The custodian will send the
client a statement, at least quarterly, indicating all amounts disbursed from the account including the
amount of advisory fees paid directly to MFA.
MFA does not sell insurance or investment products and does not accept commissions as a result of
any product recommendations. MFA does not pay referral or finder's fees, nor does it accept such
fees from other firms.

Item 7 – Types of Clients
MFA provides holistic financial planning and investment advisory services primarily to individuals and
families. We strive to work with people from all different walks of life. As such, we maintain no
minimum net-worth or asset requirements; however, we believe that in most cases it makes sense for
clients to have at least $500,000 in investable assets to account for our minimum fee of $5,000. As
discussed above, your chosen relationship agreement and fee will be based upon your individual
circumstances.