Pillar Financial Advisors LLC

Item 5 - Fees and Compensation
General Fee Information
Fees paid to us are exclusive of all custodial and transaction costs paid to your custodian,
brokers or other third-party consultants. Please see Item 12 - Brokerage Practices for
additional information. Fees paid to us are also separate and distinct from the fees and
expenses charged by mutual funds, ETFs (exchange traded funds) or other investment
pools to their shareholders (generally including a management fee and fund expenses, as
described in each fund’s prospectus or offering materials). You should review all fees
charged by funds, brokers, us and others to fully understand the total amount of fees you
pay for investment and financial-related services.
Financial Planning fees can be paid via check to PFA or can be invoiced and processed
through a third-party nonaffiliated service, AdvicePay. With AdvicePay, Clients will be
asked to set up their bank account or credit card at AdvicePay to enable credit card or
ACH payments. While AdvicePay allows firms like PFA to receive payments directly from
the client’s credit card or bank account, it does not give PFA access to the bank account
itself, nor to any of the client’s credit card or bank account information. PFA is not able to
initiate any additional payments via AdvicePay.
Wealth Management Fees
We charge a separate, one-time flat fee for the initial WMS. The minimum fee is usually
$2,500; however, the fee may be higher based on the complexity of your financial
situation (at our sole discretion). The fee for this service is due upon presentation of the
completed WMS to you. Should you elect to terminate the advisory agreement before the
initial WMS is completed and presented, you will be assessed a pro-rata fee reflecting the
degree to which the WMS is complete.
Fees for ongoing wealth planning and investment management services will be assessed
as either a flat retainer fee or a percentage of investment assets under management. You
choose which type of fee will be assessed at the beginning of the engagement. Since the
minimum flat retainer fee is $20,000 annually, clients with less than $2,300,000 of
investment assets will generally be assessed an asset-based percentage fee under the
investment assets under management calculation.
Flat Fees
Our flat, annual fee (payable in quarterly installments, in advance) is based in part on the
value of your investment portfolio according to the schedule below. Other factors include
the nature and complexity of your investments (taxable, tax-deferred, proprietary
products, individual stocks, privately held businesses, etc.) and the complexity of your
overall financial situation (marital status, family situation, sources of income, etc.). Fees
may be higher if you are self-employed.

      Investment Assets                         Fee Range
      $2,300,000 - $5,000,000                   $20,000 - $35,000
      $5,000,000 or more                        $30,000 or more
Flat retainer fee amounts are quoted and agreed to by you at the beginning of the
engagement. The first payment is due upon your acceptance of your completed WMS and
will be prorated based on the number of days remaining in the calendar quarter. After the
initial year, the ongoing flat service fee will be increased each year by US inflation
(Seasonally Adjusted CPI-U) and rounded up or down to the nearest five-dollar increment.
The quarterly fee may also be adjusted to reflect a material change in your financial
situation. We will provide you a written notification of any fee changes. It is difficult to
pinpoint the retainer fee a potential client will be charged based on just one or two factors.
A single person may have a more complicated situation than a married couple with the
same level of income. A person with a relatively low-income level may have a more
complicated situation, because of investments or family needs, than someone with a
higher income. And a self-employed person may have greater needs and opportunities
than an employed person with the same income. Therefore, the fee schedule lists ranges
which overlap as the investment brackets change.
When we charge a flat dollar fee for investment management services that is based in
part on assets under management, the fee does not automatically adjust with fluctuations
in the value of the account. As a result, if the value of a client’s assets declines, the flat
fee will represent a higher percentage of the client’s assets. In some circumstances, the
annual fee may be higher than fees charged by other investment advisers offering similar
services or programs. Conversely, if the value of assets increases, the flat fee will
represent a lower percentage of assets under management. We periodically review our
flat fee arrangements and when deemed warranted, we may adjust a client’s fees to
reflect the current amount of assets managed and scope of services provided.
Asset-Based Percentage Fees
The annual fee schedule, based on a percentage of assets under management, is as
follows:
       First $1,000,000                        1.00%
       Next $2,000,000                         0.75%
       Next $2,000,000                         0.50%
       Next $5,000,000                         0.25%
       Amounts over $10,000,000                0.10%

Portfolio management fees are generally payable quarterly, in arrears. The fee is
calculated based on the market value of all managed assets (rounded up or down to the
nearest dollar) in your account at the close of the last business day of each calendar
quarter. Fees are rounded to the nearest whole dollar and are prorated for deposits to
and withdrawals from the account. If management begins after the start of a quarter,
fees will be prorated accordingly. With your authorization and unless other arrangements
are made, fees are normally debited directly from your account(s).
We may, at our discretion, make exceptions to the foregoing or negotiate special fee
...

Item 7 - Types of Clients
We serve individuals, trusts, estates and business entities. We typically require a
minimum portfolio value of $500,000 for Wealth Management Services. The minimum flat
retainer fee is $20,000 annually. Under certain circumstances and in our sole discretion,
we may negotiate such minimums.