Midwestern Financial LLC

Item 5: Fees and Compensation
Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the client within five
(5) business days of signing the contract without incurring any advisory fees. How we are paid depends on
the type of advisory service we are performing. Please review the fee and compensation information below.

Investment Management Services
Our standard advisory fee is based on the market value of the assets under management and is calculated
as follows:
                      Account Value                               Annual Advisory Fee
                     First $1,500,000                                     1.00%
                     Next $1,000,000                                      0.88%
                     Next $2,500,000                                      0.76%
                     Next $5,000,000                                      0.64%
                 $10,000,000 and Above                                    0.50%

The annual fees are negotiable and are pro-rated and paid in advance on a quarterly basis. The advisory fee
is a blended fee and is calculated by assessing the percentage rates using the predefined levels of assets as
shown in the above chart, resulting in a combined weighted fee. For example, an account valued at
$2,500,000 would pay an effective fee of 0.952% with the annual fee of $23,800.00. The quarterly fee is
determined by the following calculation: (($1,500,000 x 1.00%) + ($1,000,000 x 0.88%)) ÷ 4 = $5,950.00. No
increase in the annual fee shall be effective without agreement from the client by signing a new agreement
or amendment to their current advisory agreement. For fee calculation purposes, accounts within the same
household are aggregated to reach the fee breakpoints.
Advisory fees are directly debited from client accounts, or the client may choose to pay by check or
debit/credit card. Accounts initiated or terminated during a calendar quarter will be charged a pro-rated
fee based on the amount of time remaining in the billing period. An account may be terminated with written
notice at least 15 calendar days in advance. Upon termination of the account, any unearned fee will be
refunded to the client.

Early Investors Program
We offer financial planning services for beginning investors using one of the following three tiers:

 Price Tier      Description of Services
 $399.00         Individual budget review and retirement analysis.
 $549.00         Individual retirement planning, student loan debt review and account set up.
 $799.00         Couple retirement planning, student loan debt review and account set up.

These fees for financial planning are paid up front, in advance of the presentation of the plan. Payment can
be made by check or debit/credit card. Clients may terminate the agreement without penalty, for a full
refund of MFG’s fees, within five business days of signing the Financial Planning Agreement. Thereafter,
clients may terminate the Financial Planning Agreement upon written notice.

Financial Planning Fixed Fee
Financial Planning is offered on a fixed fee basis. The fixed fee will be agreed upon before the start of any
work. The fixed fee can range between $250.00 and $35,000.00. The fee is negotiable and billed in advance,
however, upon agreement between MFG and the Client, payment may be made in either monthly or
quarterly installments or in arrears. Payment can be made by check or debit/credit card. MFG will not bill
an amount above $500.00 more than 6 months in advance. In the event of early termination, the client will
be billed for the hours worked at a rate of $250.00 per hour. If the initial deposit is greater than the amount
billed, then the client will be refunded the difference.

Pension Consulting Fee
The annual pension consulting fee is 1.00% of plan assets. At the end of each 3-month period (a
“quarter”), the value of the plan shall be determined by adding the value of the securities, cash equivalents
and any cash balance in the plan. If the plan has a negative cash balance, the fee will be charged on the
total assets under management, which will not include any cash debit (borrowing). Advisory fees are
directly debited from the plan by the third-party administrator, or the client may choose to pay by check.
Plans initiated or terminated during a calendar quarter will be charged a pro-rated fee based on the amount
of time remaining in the billing period. Upon termination of the account, any unearned fee will be refunded
to the account.

Educational Seminars
Fees for Educational Seminars will vary due to varying scope, length, and complexity of seminars. Fees are
negotiable and vary from up to $2,000 per seminar or up to $500 per participate. In the event that seminar
attendees will be responsible for payment, the fee will be published on the seminar announcement or
invitation. MFG may also provide pro bono seminars at its own discretion.

Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses
which may be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, and
other third parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire
transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities

transactions. Mutual fund 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 our
fee, and we shall not receive any portion of these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for
client’s transactions and determining the reasonableness of their compensation (e.g., commissions).
...

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals, high net-worth individuals,
pension and profit-sharing plans, and charitable organizations. We do not have a minimum account size
requirement.