Nova Financial LLC

Item 5: Fees & Compensation

 We are required to describe our brokerage, custody, fees, and fund expenses so you will know how
 much you are charged and by whom for our advisory services provided to you.

 A. Description of How We Are Compensated for Our Advisory Services Provided to You.

       (i) Comprehensive Portfolio Management:

             Assets Under Management                     Maximum Annual % of Assets Charged
                    $0 to $500,000                                     2.50%
                $500,001 to $2,000,000                                 2.25%
               $2,000,001 to $5,000,000                                2.00%
              $5,000,001 to $10,000,000                                1.75%
                   Over $10,000,000                                By Negotiation

       (ii) Pension Consulting:

             Assets Under Management                     Maximum Annual % of Assets Charged
                    $0 to $500,000                                     2.50%
                $500,001 to $2,000,000                                 2.25%
               $2,000,001 to $5,000,000                                2.00%
              $5,000,001 to $10,000,000                                1.75%
                   Over $10,000,000                                By Negotiation

 Fees charged for our Comprehensive Portfolio Management services and Pension Consulting are
 charged based on a percentage of assets under management, billed in advance (at the start of the
 billing period) on a quarterly basis and calculated based on the fair market value of your account as
 of the last business day of the previous billing period. Fees are prorated (based on the number of days
 service is provided during the initial billing period) for your account opened at any time other than
 the beginning of the billing period. The first fee is based on the value of the account on the first day
 of management by us and is payable within one month after engaging our firm’s Comprehensive
 Portfolio Management service. The first fee will be assessed on a pro-rata basis taking into account

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the time for which the account was not managed by us, and the time left in the quarter.

In the event that a deposit occurs during a billing period after the fee calculation, the fee for the billing
period will be recalculated at the end of the billing period and NOVA FINANCIAL SERVICES will bill a
second fee pro-rata, in arrears, on the additional deposits. In the event that a withdrawal occurs
during a billing period after the fee calculation, the fee for that billing period will be recalculated at
the end of the billing period and you will be refunded the pro-rate fee that was attributable to the
amount of the withdrawal.

The asset management services continue in effect until terminated by either party (i.e., NOVA
FINANCIAL SERVICES or you) by providing written notice of termination to the other party. Any
prepaid, unearned fees will be refunded by NOVA FINANCIAL SERVICES to you. Refunds will be
returned as promptly as possible but may take up to 90 days. Fee refunds will be determined on a pro
rata basis using the number of days services are actually provided during the final period.

Fees charged for our Comprehensive Portfolio Management services are negotiable based on the type
of client, the complexity of the client's situation, the composition of the client's account (i.e., equities
versus mutual funds), the potential for additional account deposits, the relationship of the client with
the investment adviser representative, and the total amount of assets under management for the
client.

NOVA FINANCIAL SERVICES believes that its annual fee is reasonable in relation to: (1) services
provided and (2) the fees charged by other investment advisers offering similar services/programs.
However, our annual investment advisory fee may be higher than that charged by other investment
advisers offering similar services/programs. In addition to our compensation, you may also incur
charges imposed at the mutual fund level (e.g., advisory fees and other fund expenses).

You must authorize the qualified custodian(s) of your account to deduct fees from your account and
pay such fees directly to NOVA FINANCIAL SERVICES.

You should review your account statements received from the qualified custodian(s) and verify that
appropriate investment advisory fees are being deducted. The qualified custodian(s) will not verify
the accuracy of the investment advisory fees deducted.

Brokerage commissions and/or transaction ticket fees charged by the qualified custodian are billed
directly to you by the qualified custodian. NOVA FINANCIAL SERVICES do not receive any portion of
such commissions or fees from you or the qualified custodian. In addition, you may incur certain
charges imposed by third parties other than NOVA FINANCIAL SERVICES in connection with
investments made through your account including, but not limited to, mutual fund sales loads, 12(b)-
1 fees and surrender charges, variable annuity fees and surrender charges, IRA and qualified
retirement plan fees, and charges imposed by the qualified custodian(s) of your account. Management
fees charged by NOVA FINANCIAL SERVICES are separate and distinct from the fees and expenses
charged by investment company securities that may be recommended to you. A description of these
fees and expenses are available in each investment company security’s prospectus.

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(iii) Financial Planning & Consulting:

We charge on an hourly or flat fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee that we charge you, is based on the scope and complexity of
...

Item 7: Types of Clients & Account Requirements

 We have the following types of clients:
    • Individuals.
    • Trusts, Estates or Charitable Organizations.
    • Limited Partnerships.
    • Pension and Profit-Sharing Plans.
    • Corporations, limited liability companies and/or other business types

     We do not require a minimum account balance for our comprehensive portfolio management.