Poulos Advisors Inc

Item 5 – Fees and Compensation

In addition to the information provide in Item 4 – Advisory Business, this section provides additional
details regarding our firm’s services along with descriptions of each service’s fees and compensation
arrangements. Lower fees for comparable services may be available from other sources.

Financial Planning Services
Poulos Advisors and its investment advisor representatives (referred to as “IARs”) provide financial
planning services in the form of written financial plans to clients contracting for such services. Financial
planning services are usually prepared for clients before investments are transferred or changes initiated
to portfolios transferred to Poulos Advisors. Financial plans can be specific or modular in their
preparation (unique to each client in their depth of preparation). Financial planning services may take into
consideration each client's objectives, risks that they are willing to undertake, investment knowledge, net
worth, income, age, projected retirement, unusual or material funding requirements, inheritance
possibilities, pensions, social security, children/relative funding issues, estate issues, and living expenses
expressed in today’s dollars requested for retirement. Topics covered in a financial plan can include, but
are not necessarily limited to, insurance planning, retirement planning, pension consulting, college
funding, estate planning, business planning, investment planning and tax planning.

Fees
Fees for financial planning services are billed on a fixed fee basis ranging from $500 to $20,000 or on an
hourly basis from $150 to $300 per hour. Clients may be able to receive similar financial planning
services elsewhere for a lower cost. The amount of the fee will depend upon the complexity of the client’s
situation, financial condition and the actual services to be provided. The exact fee will be quoted to the
client and disclosed in the financial planning client agreement.

Financial planning services terminate upon presentation of the financial plan and full payment of all fees
due. However, upon mutual agreement between Poulos Advisors and the client, financial planning
services are provided on an on-going basis and Poulos Advisors will provide client with periodic updates
and reviews to the original financial plan. Under this arrangement, financial planning services terminate
on the anniversary date of executing the financial planning client agreement. Under either situation,
Poulos Advisors and its clients can terminate services prior to completion of the initial financial plan or
prior to the anniversary date upon written notice to the other party. If services are terminated within five
business days of executing the Financial Planning Contract, services are terminated without penalty and
a full refund of all fees paid in advance is provided no later than 30 days after the termination request is
received by our firm. If services are terminated after the initial five-day period, the financial planning fees
will be refunded no later than 30 days after the date of termination or due within 30 days of termination.

Poulos Advisors, Inc.                                                                         Disclosure Brochure

Final fee refunds or payments are pro-rated, based on the amount of time Poulos Advisors has spent on
the engagement according to an hourly fee. The hourly fee will range between $150 and $300 depending
on the complexity of the client’s situation.

For clients contracting for one-time financial plans, fees will be due in advance or arrears as agreed to
with the client. Depending on the complexity of services provided and the fee to be charged, an initial
retainer fee may be due at the time the Financial Planning Contract is executed with the remaining
amount due upon presentation of the financial plan. For clients contracting for on-going financial planning
services, an initial retainer of up to 50% of the fixed fee is due upon execution of the Financial Planning
Contract. The remaining amount will be divided into equal payments, payable monthly or quarterly, in
advance. If it is later determined that the total cost will exceed the maximum amount quoted, the IAR of
Poulos Advisors will contact the client to receive authorization to provide additional services. At no time
will clients be required to pre-pay more than $500 six or more months in advance. On-going financial
planning services can also be billed on an hourly basis with an initial retainer amount due at the time the
agreement for services is executed. The initial retainer amount will be available for Poulos Advisors to bill
against. Additional bills are sent quarterly, in arrears, due upon receipt of a billing notice from Poulos
Advisors.

While financial planning services are prepared with the intention of the client implementing
recommendations made within the plan through Poulos Advisors, clients are not obligated to do so. If
clients elect to have an IAR of Poulos Advisors implement the advice provided as part of the financial
planning services, implementation will be made through the firm’s asset management or third-party
investment advisor services described below. Clients can also elect to have insurance recommendations
implemented through firm’s associated persons in their separate capacities as insurance agents. For
clients electing to establish an asset management account or third-party investment advisor services
account through Poulos Advisors, the firm may waive or reduce the amount of the financial planning fee
as a result of the additional asset management fees earned. Any adjustment to the financial planning fee
is at the discretion of Poulos Advisors and will be disclosed to clients prior to implementing transactions.

Asset Management Services
Poulos Advisors and its IARs offer asset management services for a percentage of assets under
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Item 7 – Types of Clients

We generally provide investment advice to the following types of clients:

     •    Individuals
     •    Pension and profit sharing plans
     •    Trusts, estates, or charitable organizations
     •    Corporations or business entities other than those listed above

All clients are required to execute an agreement for services in order to establish a client arrangement
with Poulos Advisors and/or the sponsor of third-party money manager platforms.

Minimum Investment Amounts Required

     •    We do not impose minimum investment amounts for our services.

     •    The minimum fee for our Qualified Plan Consulting Services is generally $3,000.