Personal Choice Financial Advisors 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.
Personal Choice Financial offers comprehensive financial planning and investment advisory services for a percentage of
assets under management, fixed fees, and hourly charges, established on a client-by-client basis. Fee payment is
dependent upon the type of advisory services performed. There is no charge for the initial consultation, which is
intended to allow the Adviser and the client to assess whether Personal Choice Financial’s services are appropriate for
the client’s situation and whether the client’s temperament is a good fit for the Adviser.

 Comprehensive Financial Planning
Comprehensive Financial Planning is provided on an ongoing flat-fee basis. Fees are billed in arrears, and charges
will be paid quarterly by check, ACH bank drafts, credit card, or investment account. Clients wishing to have their
fees deducted directly from their investment account must maintain the account under Personal Choice Financial
management with the Adviser’s third-party custodian. To the extent a Comprehensive Financial Planning
relationship is terminated before the end of a billing period, the applicable fee shall be prorated through the date of
termination with any remaining balance payable by the client upon termination. Financial Planning Fees may be
adjusted from time to time upon not less than thirty (30) days’ advance written notice to Client, after which such
adjusted Financial Planning Fees will be applied to Client’s account(s).

 Flat Fees
    ●​ $500 per month ($6,000/year) with $1k Onboarding
             ○​   Additional $100 per month for a significant other included in the plan.
             ○​   Flat Fees may increase based on complexity and level of service.
             ○​   Residents and Fellows may receive a 30% discount, and onboarding fees are waived.
             ○​   Clients who sign up for Flat Fees can add on Investment Management Services at a 0.25% reduction.

 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
                           $0 - $250,000                                   1.25%
                       $250,000 - $1,500,000                               1.00%
                      $1,500,001 - $5,000,000                              0.75%
                      $5,000,001 and Above                                 0.50%

The annual fees are negotiable and are pro-rated and paid in arrears on a quarterly basis. Some clients were originally
set up for their fees to be paid in advance and their fee arrangement remains unchanged. The advisory fee is a tiered
fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the above
chart, and applying the fee to the account value as of the last day of the previous quarter. 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.
Advisory fees are directly debited from client accounts, or the client may choose to pay by check. The exception for
this is directly-managed held-away accounts, such as 401(k)’s. As it is impossible to directly debit the fees from these
accounts, those fees will be assigned to the client’s taxable accounts on a pro-rata basis. If the client does not have a
taxable account, those fees will be billed directly to the client. Accounts initiated or terminated during a calendar
quarter will be charged a prorated 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 if their fees are billed in advance. For clients whose fees are paid in
arrears, no rebate will be needed upon termination of the account.

 Employee Benefit Plan Services

                                    Account Value                       Annual Advisory Fee
                                   $0 - $3,000,000                            0.50%
                              $3,000,001 - $5,000,000                         0.25%
                             $5,000,001 - $10,000,000                         0.20%
                              $10,000,000 and Above                           0.18%

Fees for this service may be negotiable. PCFA will be compensated for Employee Benefit Plan services according to
the value of plan assets not to exceed 0.50% of total plan assets. This does not include fees to other parties, such as
RecordKeepers, Custodians, or Third-Party-Administrators. Fees for this service are either paid directly by the plan
sponsor or deducted directly from the plan assets by the Custodian on a quarterly basis, and PCFA’s fee is remitted
to PCFA.

 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 7: Types of Clients
We provide financial planning and portfolio management services to individuals, high net-worth individuals, pension and
profiting sharing plans, charitable organizations, corporations or other businesses.

We do not have a minimum account size requirement.