Professional Financial Solutions LLC

Item 5          Fees and compensation
PFS’s financial planning fees are negotiable but generally range from $2,000 to $5,000 on a
fixed fee basis depending upon the level and scope of the services required as well as the Client’s
financial situation.

Payment of the fee for planning services is charged as follows:
      Payment 1: $500                        at agreement signing
      Payment 2: 60% of total fee            when draft plan is presented
      Payment 3: Balance of fee              when the plan is completed

PFSLLC ADV Part 2 02062026

                   PROFESSIONAL FINANCIAL SOLUTIONS, LLC
                           ADV PART 2/BROCHURE
                              FEBRUARY 06, 2026

The initial payment (not to exceed $500) is due from the Client prior to PFS commencing
services. In the event that the Client terminates PFS’s financial planning and/or consultation
services prior to the commencement of services, the balance of PFS’s fee, if any, shall be
refunded to the Client. The Client can contact PFS by email, letter, or phone to notify us of the
termination. PFS will refund the initial deposit as soon as possible. Once work has commenced,
any fee paid that corresponds to that work is deemed earned if the agreement is terminated. Fees
for planning services are paid directly to PFS, not deducted from investment accounts.

Plans are updated periodically as the Client’s situation changes for investment management
Clients at no additional cost. If a non-investment management Client requests a plan update, the
fee is negotiated.

Consulting engagements are charged $200 to $500 on an hourly basis, depending upon the level
and scope of the services required as well as the Client’s financial situation. An estimate of the
total cost is provided prior to the commencement of work and is negotiable. The fee is due upon
completion of the project. This fee is paid directly to PFS, not deducted from a Client’s
investment account.

Investment management fee schedule (payable in arrears)
       Consolidated accounts managed, on the first $1 million                       1.00%
       Consolidated accounts managed, amounts from $1 million-$2 million            0.50%
       Consolidated accounts managed, amounts over $2 million                       0.25%

These fees are not negotiable. At this time, no fee is charged against employer retirement
plans—for example, 401(k) accounts— or 529 educational savings accounts. This may change
in the future as services develop that would provide the detailed information PFS requires to
prepare performance reports for Clients and perform other management activities. There is also
no fee for money market investments held in a taxable account.

Certain assets in Client accounts will not be billed, such as cash in taxable accounts and
specifically identified legacy investment positions. Therefore, these assets will not be counted
when calculating advisory fees. Exclusion of these assets can place Client assets in a higher fee
rate due to the exclusion.

PFS shall charge the investment management fee based upon a percentage of the market value of
the assets being managed by PFS. PFS’s annual investment management fee shall be prorated
and paid quarterly, in arrears, based upon the market value of the assets on the last day of the
previous quarter. PFS, in its sole discretion, may charge a lesser management fee based upon
certain criteria (e.g., anticipated future assets, dollar amount of assets to be managed, related
accounts, account composition, etc.). If there is a margin loan outstanding on a Client’s account,
this does not reduce the asset value, so the margin loan has no impact on the management fee.

PFS’s investment management fee is paid quarterly at approximately ¼ of the annual rate based
on the number of days in that quarter. The fee shall be deducted from an account that PFS is

PFSLLC ADV Part 2 02062026

                   PROFESSIONAL FINANCIAL SOLUTIONS, LLC
                           ADV PART 2/BROCHURE
                              FEBRUARY 06, 2026

managing. In order to streamline fee collection and performance reporting, payment of asset
management fees directly to PFS is not allowed. All securities held in accounts managed by PFS
will be independently valued by the custodian. PFS will conduct periodic reviews of the
custodian’s valuation to ensure accurate billing.

In addition to the fees paid to PFS, the Client will also pay fees to various service providers. The
Broker/Dealer (B/D) that has custody of a Client’s assets will typically charge a transaction fee
for the investments used. At Charles Schwab (Schwab), the current charge is $9.99 per
Dimensional Fund Advisor (DFA) mutual fund trade. In addition to B/D fees, mutual funds and
exchange traded funds used in Client accounts also levy a management fee (expense ratio) that is
deducted from the annual return generated by the fund. These vary by fund. Clients are
encouraged to review the fund prospectus for specific fund expenses.

As noted earlier, PFS primarily recommends mutual funds and exchange traded funds for Client
accounts. The funds typically recommended are no load and do not have ongoing 12(b)1 fees.
In the rare case where we use load-waived funds, the Client may have to pay a 12(b)1 fee as part
of the fund expenses. See Item 12 for information on brokerage.

Advance Payment of Fees and Termination

Financial Planning Services
PFS may require an advance deposit for financial planning fees as described above. Either party
may terminate the financial planning agreement, at any time, by providing written notice to the
other party. The Client may also terminate the financial planning agreement within five (5)
business days of signing the PFS agreement at no cost to the Client. After the five-day period,
the Client will incur charges for bona fide advisory services rendered to the point of termination
...

Item 7          Types of Clients
PFS predominantly works with individuals, helping them with their personal financial concerns.
Some of these Clients have living trusts or irrevocable trusts, which we also manage and for
which we provide advisory services. In addition, PFS helps small business owners establish
retirement plans, usually SEPs and Individual 401(k)s. Finally, PFS works with charitable
organizations (or non-profits) to which its Clients gift shares of their fund investments. These
gifts are typically liquidated upon receipt by the charity and the funds are disbursed, resulting in
no ongoing investment management or advisory services.

PFSLLC ADV Part 2 02062026

                   PROFESSIONAL FINANCIAL SOLUTIONS, LLC
                           ADV PART 2/BROCHURE
                              FEBRUARY 06, 2026

For those potential Clients seeking only investment management services, the minimum
managed portfolio is $500,000. PFS may, in its sole discretion, reduce and/or waive its account
minimum.

As stated earlier, prior to engaging PFS to provide financial planning, consulting services, and/or
investment management services, the Client will be required to enter into a formal agreement
with PFS setting forth the terms and conditions of the engagement as well as describing the
scope of the services to be provided. For investment management services, the Client will also
complete a separate custodial/clearing agreement with each designated broker-dealer/custodian.