Ostrofe Financial Consultants Inc

Item 5 – Fees and Compensation

Ostrofe Financial Consultants does not recommend no-load funds.

The specific manner in which fees are charged by Ostrofe Financial Consultants, Inc. is established in a client’s Investment
Advisory Agreement.

For OFC rendering the above described services, the client will receive a free introductory session and from that point
agrees to compensate OFC. Fees are based by a household of accounts as a percentage of assets under management,
billed quarterly, in advance, and deducted from clients’ assets as follows:

                          Portfolio Value                                     Annual Fee
                          $0 - $999,999                                       1.25%
                          $1,000,000 - +                                      1.00%

Clients may not select a different billing option. Fees may be subject to negotiation under certain circumstances as agreed
on by the Firm and the client.

Other Fees and Expenses:

Clients should be aware that they will be responsible for all fees imposed by the custodian for trading and other related
costs, which can include but not be limited to brokerage commissions, transaction costs, custodian fees, transfer fees, or
redemption fees on short–term investments. In addition, Ostrofe Financial Consultants, Inc. invests in open-end mutual
funds in client portfolios. These funds charge fees to their shareholders, which are described in their respective prospectus
and usually include a management fee, administrative and operations fees, and certain distribution fees (e.g., 12b-1 fees).
These fees are generally referred to as a fund’s “expense ratio” and the fees are deducted at the mutual fund level when
calculating the fund’s net asset value (“NAV”) and have a direct bearing on the fund’s performance. Certain mutual funds
also charge an up-front or back-end sales charge and and/or redemption fees. In addition, some open-end mutual funds
offer different share classes of the same fund and one share-class can have a higher expense ratio and sales/redemption
fees than another share class. The most economical share class will depend on certain factors, including the amount of
time the shares are held by a client and the amount a client will be investing. Mutual fund expense ratios and
sales/redemption fees vary by fund, so it is important for clients to read the mutual fund prospectus to fully understand all
the fees charged. For more information, see Section 12: Brokerage Practices.

Clients must pay fees in advance. A client may obtain a refund of a pre-paid fee by providing a written request to our office.
if the advisory contract is terminated before the end of the billing period. The amount of the refund is prorated and calculated
based on the day of termination, compared to the number of days in a quarter.

Household portfolio value includes other assets and accounts under OFC management for which our quarter investment
management fee does not apply. Examples include: fixed and variable annuity contracts, non-traded REITs, and 529
plan accounts.

Ostrofe Financial Consultants, Inc. pays any transaction costs within a client’s LPL Financial brokerage account over which
discretion has been given. This may be through LPL Financial’s SWMII platform. Ostrofe Financial Consultants, Inc. pays
a flat, asset-based cost to LPL Financial for trading, which reduces/eliminates any conflict of interest related to this
arrangement.

Certain investment adviser representatives of Ostrofe Financial Consultants, Inc. are also associated with LPL Financial
as broker-dealer registered representatives (“Dually Registered Persons”). In their capacity as registered representatives
of LPL Financial, certain Dually Registered Persons earn commissions for the sale of securities or investment products
that they recommend for brokerage clients. This practice presents a conflict of interest and gives it or its supervised
persons an incentive to recommend investment products based on the compensation received, rather than on a client’s
needs. They do not earn commissions on the sale of securities or investment products recommended or purchased in
advisory accounts through Ostrofe Financial Consultants, Inc. In order to address the conflict, we tell clients they have
the option of purchasing many of the securities and investment products we make available to them through another
broker-dealer or investment adviser. However, when purchasing these securities and investment products away from
Ostrofe Financial Consultants, Inc., you will not receive the benefit of the advice and other services we provide.

At Ostrofe Financial Consultants we take a “client first” approach to all conflicts of interest.

Investment Advisor Representatives of Ostrofe Financial Consultants, Inc., in their capacity as Registered Representatives
of, or as agents appointed with various life, disability or other insurance companies, receive commissions, 12(b)-1 fees, or
other compensation from the respective product sponsors and/or as a result of effecting securities transactions for clients.
In order to address the conflict, we tell clients they have the option of purchasing the insurance products we make available
to them through another broker-dealer or investment adviser.

Certain employees of Ostrofe Financial Consultants, Inc. are Dually Registered Persons. LPL Financial is a broker-dealer
that is independently owned and operated and is not affiliated with Ostrofe Financial Consultants, Inc. This practice gives
those Dually Registered Persons an incentive to recommend investment products based on the compensation received,
rather than on the client’s needs. In order to address the conflict, we tell clients they have the option of purchasing the
securities and investment products we make available to them through another broker-dealer or investment adviser.
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Item 7 – Types of Clients

Ostrofe Financial Consultants, Inc. provides financial planning services to individuals, pension and profit-sharing plans,
trusts, estates, charitable institutions, and corporations or businesses.