Professional Financial Advisors LLC

Fees and Compensation - Item 5

Professional Financial Advisors Wrap Fee Program Portfolio Management Services Fees
On an annualized basis, PFA charges a portfolio management fee of up to 1.60% of assets under management.
Portfolio management fees are negotiable depending on factors such as the amount of assets under
management, range of investments, and complexity of the client' s financial circumstances, among others. Since
this fee is negotiable, the exact fee paid by you will be clearly stated in the advisory agreement signed by you and
us.

Portfolio management fees are billed quarterly, in arrears, and are based on the value of your portfolio at the end
of the calendar quarter. Terms of payment are stated in the investment management agreement signed by you
and us. We shall never have physical custody of any client funds or securities, as the services of a qualified and
independent custodian will be used for these asset management services. We will deduct our fee directly from
your account through the qualified custodian holding your funds and securities. We will deduct our advisory fee
only when you have given us written authorization permitting the fees to be paid directly from your account.
Further, the qualified custodian will deliver an account statement to you at least quarterly. The account
statements will show all disbursements from your account. You should review all statements for accuracy.

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At the inception of portfolio management services, the first pay period's fees will be calculated on a pro-rata
basis. The portfolio management agreement between the client and PFA will continue in effect until either party
terminates the investment management agreement in accordance with the terms of the investment
management agreement. PFA's annual fee will be pro-rated through the date of termination. Refunds are not
applicable since fees are payable in arrears.

Non-Wrap Portfolio Management Services Fees
Mutual Funds Portfolio Management Services Fees
PFA charges an annual fee based upon a percentage of the market value of the assets being managed through
the American Funds platform. We charge the following annualized asset management fees:

                 Assets Under Management                     Annual Advisory Fee
                 $0 - $999,999                               0.75%
                 Over $1,000,000                             0.50%

If the advisory agreement is executed at any time other than the first day of a billing cycle, our fees will apply on
a pro rata basis, which means that the advisory fee is payable in proportion to the number of days in the billing
cycle for which you are a client. Our advisory fee is negotiable, depending on individual client circumstances.

The annual portfolio management fee is calculated quarterly based on the last business day of February, May,
August and November. The fee is based on the average daily net assets value ("NAV") of assets invested during
the quarter. Fees are billed and payable quarterly in arrears in the months of March, June, September and
December. For example, the fee for the period covering December, January and February will be calculated on
the last business day of February. You will be billed and the fee will be deducted from your account in the first
week of March.

American Funds charges certain fees, expenses and charges associated with its mutual fund(s). These fees and
charges are in addition to the investment advisory fee charged by PFA. For additional information regarding these
fees, expenses and charges, please refer to the mutual fund’s prospectus.

The portfolio management agreement between the client and PFA will continue in effect until either party
terminates the investment management agreement in accordance with the terms of the investment
management agreement. PFA's annual fee will be pro-rated through the date of termination. Refunds are not
applicable since fees are payable in arrears.

Variable Annuities Portfolio Management Services Fees
PFA charges an annualized portfolio management fee of up to 1.60% of assets under management in variable
annuity portfolios. The fees are negotiable and will be clearly stated in the advisory agreement signed by you and
us. The fees are billed quarterly, in arrears, and are based on the value of your portfolio at the end of the calendar
quarter. If the advisory agreement is executed at any time other than the first day of a billing cycle, our fees will
apply on a pro rata basis, which means that the advisory fee is payable in proportion to the number of days in the
billing cycle for which you are a client.

We will deduct our fee directly from your account through the qualified custodian holding your funds and
securities. We will deduct our advisory fee only when you have given us written authorization permitting the fees
to be paid directly from your account. Further, the qualified custodian will deliver an account statement to you
at least quarterly. The account statements will show all disbursements from your account. You should review all
statements for accuracy.

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The portfolio management agreement between the client and PFA will continue in effect until either party
terminates the investment management agreement in accordance with the terms of the investment
management agreement. PFA's annual fee will be pro-rated through the date of termination. Refunds are not
applicable since fees are payable in arrears.

For its services as custodian, Nationwide Advisory Solutions charges a flat monthly insurance charge of $20. It
does not charge an upfront sales charge, surrender charges, commission paid on sale, or mortality costs. All
...

Types of Clients - Item 7

We generally offer investment advisory services to individuals, high net worth individuals, pension and profit
sharing plans, trusts, estates, foundations, charitable organizations, insurance companies, corporations, and
other business entities.

PFA does not require a minimum account size to establish an advisory relationship. However, Nationwide
Advisory Solutions requires a minimum of $15,000 to open an account.

              Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

PFA advisors may use various methods to determine an appropriate investment strategy for your portfolio with
the goal of reducing risk and increasing performance in each customized portfolio. We seek to recommend
investment strategies or products that will give you a diversified portfolio consistent with your investment
objective. We do this by analyzing the various products, investment strategies, and money management firms to
which we provide access. That analysis includes a review of the structure, cost, and investment performance
history of each program.