Peak Financial Consulting Inc

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
ASSET MANAGEMENT
Peak offers discretionary direct asset management services to advisory Clients. Lower fees
for comparable services may be available from other sources. Total fees to Client will never
exceed the safe harbor threshold of 3% of assets under management per year. Peak
charges an annual investment advisory fee based on the total assets under management as
follows:
            Assets Under Management                      Annual Fee               Quarterly Fee
                Up to $1,000,000                           1.20%                   0.3000%
            $1,000,001 to $2,000,000                       0.95%                   0.2375%
            $2,000,001 to $3,500,000                       0.85%                   0.2125%
                Over $3,500,001                            0.75%                   0.1875%
This is a tiered or breakpoint fee schedule, the entire portfolio is charged the same asset
management fee. For example, a Client with $1,500,000 under management would pay
$14,250 on an annual basis. $1,500,000 x 0.95% = $14,250.
The annual fee may be negotiable based upon certain criteria (e.g., historical relationship,
type of assets, anticipated future earning capacity, anticipated future additional assets,
dollar amounts of assets to be managed, related accounts, account composition,
negotiations with Clients, etc.).
Fees are billed quarterly in advance based on the amount of assets managed as of the close
of business on the last business day of the previous quarter. Initial fees for partial quarters
are pro-rated. Lower fees for comparable services may be available from other sources.
Clients may terminate their account within five (5) business days of signing the Investment
Advisory Agreement with no obligation and without penalty. Clients may terminate advisory
services with thirty (30) days written notice. For accounts closed mid-billing period, any
unearned fees will be refunded to the Client. Client shall be given thirty (30) days prior
written notice of any increase in fees. Any increase in fees will be acknowledged in writing by
both parties before any increase in said fees occurs.

FINANCIAL PLANNING
Peak charges a fixed fee for financial planning. Prior to the planning process the Client will
be provided an estimated plan fee. Planning fees will be based upon the plan selected in
accordance with the fee chart below.
    Simple Planning Fee:                Moderate Planning Fee:           Complex Planning Fee:

  Initial year of services: $1,000 to
                                        $2,001 to $6,000 Initial Fee    $6,001 to $12,000 Initial Fee
  $2,000 Initial Fee

  Optional annual fee for ongoing
                                        25% of Initial Fee for Annual   25% of Initial Fee for Annual
  services: $400 for Annual
                                        Renewal                         Renewal
  Renewal

Fees for initial financial plans are billed 25% in advance with the balance due upon plan
delivery.
A Full Annual Planning Review is an optional ongoing service. Additional costs are as noted
above. Fees are billed on the annual anniversary date based upon the date a Client

executes the Financial Planning Agreement. If Client chooses not to update annually, then
they are charged a new planning fee when they require an update.
Initial plans are completed and delivered inside of one-hundred and eighty (180) days. If
Client does not elect ongoing services, services will terminate after one year of assistance.
Client may cancel within five (5) business days of signing Agreement with no obligation and
without penalty. If the Client cancels after five (5) business days, any unearned fees will be
refunded to the Client, or any unpaid earned fees will be due to Peak.
SEMINARS AND WORKSHOPS
Peak does not charge a fee for attendance to these seminars.
Client Payment of Fees
Fees for asset management services are deducted from a designated Client account to
facilitate billing. The Client must consent in advance to direct debiting of their investment
account.
Fees for financial plans will be billed to the Client and paid directly to Peak.
Additional Client Fees Charged
Custodians may charge transaction fees on purchases or sales of certain mutual funds,
equities, and exchange-traded funds. These charges may include mutual fund transaction
fees and commissions postage and handling and miscellaneous fees. Additionally, internal
fees for fund management and distribution.
For more details on the brokerage practices, see Item 12 of this brochure.
Prepayment of Client Fees
Investment management fees are billed quarterly in advance. Client may cancel within five
(5) business days of signing Agreement with no obligation and without penalty. If the Client
cancels after five (5) business days, any unearned prepaid fees will be refunded to the
Client, or any unpaid earned fees will be due to Peak.
Fees for financial plans are billed 25% in advance with the balance due upon plan delivery.
If the Client cancels after five (5) business days, any unearned fees will be refunded to the
Client, or any unpaid earned fees will be due to Peak.
External Compensation for the Sale of Securities to Clients
Investment Advisor Representatives of Peak receive external compensation for the sale of
securities to clients as a registered representative of Mutual Securities, Inc., a broker-dealer
and for the sale of insurance products and services. Approximately 10% of their time is
spent as a registered representative of Mutual Securities, Inc. less than 5% of their time is
spent as insurance agents. Less than 15% of their total revenue is generated as a registered
representatives and insurance agents. They will offer clients products from this activity.
This represents a conflict of interest because it gives an incentive to recommend products
...

Item 7: Types of Clients
Description
Peak generally provides investment advice to individuals and high net worth individuals.
Client relationships vary in scope and length of service.
Account Minimums
Peak requires a minimum of $250,000 to open an account. In certain instances, the
minimum account size may be lowered or waived.