Personalized Financial Solutions LLC

Item 5 – Fees and Compensation of the Disclosure Brochure for complete details on fees.

C. Fees
Investment advisory fees are paid either monthly or quarterly, in advance of each calendar month or quarter,
pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market
value of assets under management at the end of the prior calendar month or quarter. Investment advisory fees
range from 0.50% to 2.00% annually. The investment advisory fee in the first month or quarter of service is
prorated from the inception date of the account[s] to the end of the first month or quarter. Fees may be negotiable
at the sole discretion of the Advisor. Certain Clients may be offered a fixed rate fee schedule. The Client’s fees will
take into consideration the aggregate assets under management with the Advisor. All securities held in accounts
managed by PFS will be independently valued by the Custodian. PFS will not have the authority or responsibility
to value portfolio securities.

As noted above, the Wrap Fee Program includes normal securities trading costs incurred in connection with the
discretionary investment management services provided by PFS. Securities transaction fees for Client-directed
trades may be charged back to the Client, if applicable. The Advisor's recommended Custodian may not charge
securities transaction fees for ETF and equity trades in a client’s account[s], provided that the account meets the
terms and conditions of the Custodian's brokerage requirements. The Custodian typically charges for institutional
mutual funds, options, and other types of investments. This means that, in most cases, when the Advisor buys
and sells ETFs and equity securities in the Client’s account[s], there are no securities transaction fees paid to the
Custodian, but there is a cost to the Advisor for purchasing most institutional mutual funds. There is an incentive
for PFS to utilize ETFs and equities over mutual funds and other investments that have a cost to the Advisor.

In addition, all fees paid to PFS for investment advisory services or part of the Wrap Fee Program are separate and
distinct from the expenses charged by mutual funds and exchange-traded funds (“ETFs”) to their shareholders, if
applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will
generally be used to pay management fees for the funds, other fund expenses, account administration (e.g.,
custody, brokerage and account reporting), and a possible distribution fee. The Client may also incur other costs
assessed by the Custodian or other parties for account related activity fees, such as wire transfer fees, fees for
trades executed away from the Custodian and other fees. The Advisor does not control nor share in these fees. The
                                          Personalized Financial Solutions LLC
                                 28163 US Highway 19 North, Suite 205, Clearwater, FL 33761
                                                  Phone: (727) 754-4401

Client should review both the fees charged by the fund[s] and the fees charged by PFS to fully understand the total
fees to be paid. Please see Item 5.C. – Other Fees and Expenses in the Disclosure Brochure (included with this
Wrap Fee Program Brochure).

D. Compensation
PFS is the sponsor and portfolio manager of this Wrap Fee Program. PFS receives investment advisory fees
paid by Clients for participating in the Wrap Fee Program and pays the Custodian for the costs associated with
the normal trading activity in the Client’s account[s].

Item 5 – Account Requirements and Types of Clients
PFS offers investment advisory services to individuals, high net worth individuals, families, trusts, and estates.
PFS generally does not impose a minimum relationship size. Please see Item 7 – Types of Clients in the
Disclosure Brochure for additional information.

Item 6 – Portfolio Manager Selection and Evaluation
Portfolio Manager Selection
PFS serves as sponsor and as portfolio manager for the services under this Wrap Fee Program.

Related Persons
PFS personnel serve as portfolio managers for this Wrap Fee Program.

Item 7 – Types of Clients

PFS offers investment advisory services to individuals, high net worth individuals, families, trusts, and estates.
PFS generally imposes a minimum relationship size of $500,000.