Physician Family Financial Advisors Inc

5. Fees & Compensation
Physician Family charges a monthly membership fee and may charge a one-time fee for the preparation
of a financial plan. For current pricing, visit https://www.physicianfamily.com.

One-time fees for the preparation of a financial plan may be charged in advance and collected via card
charge or via ACH from your bank account. Membership fees will be charged at the beginning of each
monthly service period via ACH from your bank account, will renew monthly and are nonrefundable.
We may change the membership fee we charge you by giving you fourteen days prior written notice.
You may cancel our agreement by giving us fourteen days prior written notice.

If you are not completely satisfied, we will refund 100% of the fee you paid for a project-based
engagement. For ongoing engagements, we will waive the next month's fee. In either case, you must
notify us verbally or in writing with your request for a refund or waiver.

You are responsible for verifying the accuracy of the fee charged. Fees may be waived or reduced at our
discretion. Engagements begun before the date of this disclosure may have different terms.

Physician Family may recommend the investment sub-advisory services of MTG, LLC dba Betterment
Securities (“Betterment”). You will pay nothing to Betterment for these services because Physician
Family covers these costs as part of your membership fee. The cost of these services will be paid by us
directly to Betterment. We may recommend the brokerage services of Charles Schwab & Co., Inc.
(“Schwab”) and Altruist Financial, LLC (Altruist), where you are solely responsible for the cost of these
services. For Schwab’s pricing, visit https://www.schwab.com/pricing. For Altruist’s pricing, visit
https://altruist.com/legal/.

You may also bear other costs including but not limited to mutual fund expenses, transaction costs and
taxes. Physician Family is not responsible for and does not receive any of these.

7. Types of Clients
Physician Family serves individuals and a few employer-sponsored retirement plans.