Phil A Younker & Associates Ltd

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 and without penalty. How we
are paid depends on the type of advisory service we are performing. Please review the fee and compensation
information below.

Investment Advisory Services
When PY&A directs clients to Outside Managers, PY&A will be compensated via a fee share from each of the
advisors to which it directs clients. The fees shared will not exceed any limit imposed by any regulatory
agency. The Outside Manager will debit the client’s account for the advisory fee and will remit PY&A’s portion
of the fee to PY&A. The standard advisory fee is based on the market value of the account and is calculated
as follows:
                       Account Value                               Annual Advisory Fee
                      $0.00 - $500,000                                     1.00%
                    $500,001 and Above                                     0.80%

The annual fees are negotiable and are pro-rated and paid in arrears on a quarterly basis. Please note, the
above fee schedule does not include the Outside Manager’s fee. 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.

Accounts initiated or terminated during a calendar quarter will be charged a pro-rated fee based on the
amount of time remaining in the billing period. An account may be terminated with written notice at least 30
calendar days in advance. Upon termination of the account, a prorated fee will owed by the client.

Multigenerational Wealth Services – Fixed Fee
The Advisor offers this service on a fixed fee basis. Fixed fees will be determined on a case by case basis with
the fee based on the complexity of the situation and the needs of the client. The fixed fee will be agreed
upon before the start of any work. The fee is negotiable. Fees for this service may be waived at the discretion
of the Advisor for clients with significant assets managed by the firm.

If PY&A is in the process of performing planning services for a fixed fee client, and the client does not wish to
have it completed, PY&A reserves the right to refund the unearned portion of the fixed fee, as of the date of
cancellation.

Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses that
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 12 further describes the factors that we consider in selecting or recommending broker-dealers for
client’s transactions and determining the reasonableness of their compensation (e.g., commissions).
We do not accept compensation for the sale of securities or other investment products including asset-based
sales charges or service fees from the sale of mutual funds.

Item 7: Types of Clients
We provide portfolio management services to individuals, high net-worth individuals, pension and profiting
sharing plans, estates, trusts, charitable organizations and corporations or other businesses.
We do not have a minimum account size requirement.