Roxbury Financial LLC

Item 5 Fees and Compensation

Asset Management and Qualified Plan Advisory Fees
Pursuant to an investment management agreement signed by each client, the client will pay
Roxbury Financial an annual management fee, payable quarterly in advance, based on the value
of portfolio assets of the account managed by the Advisor as of the close of business on the last
business day of each quarter. The management fee may be adjusted to account for significant
contributions or withdrawals made to the account during the quarter. New account fees will be
prorated from the inception of the account to the end of the first quarter.

 Assets Under Management          Annual Fee
 First $500,000                     2.00%
 Next $1,500,000                    1.75%
 Next $3,000,000                    1.50%
 Over $5,000,000                    1.25%

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Fees will be calculated on a blended tier schedule. For example, a $2,000,000 account fee would
be calculated annually as follows: ($500,000 x 2.00%) + ($1,500,000 x 1.75%) = ($10,000) +
($26,250). These fees may be negotiated by Roxbury Financial at its sole discretion. The client
will give written authorization permitting the Advisor to be paid directly from their account held
by the custodian. The custodian will send a statement at least quarterly to the client. Where it is
not practical to deduct fees directly from client accounts, client will be sent an invoice at the
beginning of each quarter. The invoice is payable upon receipt.

Fixed Fees
Roxbury Financial will charge a fixed fee for financial planning services that will be based on the
estimated hours to provide the services multiplied by an hourly rate of $400. The hours required
will be based on the scope and complexity of the financial planning services defined in a financial
planning agreement signed by all financial planning clients. The maximum fee for such services
does not exceed $40,000. Fixed fees are negotiable at the discretion of the Advisor. Fixed fee-
based clients are billed in one of two ways. The first option requires the fee to be paid when the
services are completed and any deliverables have been provided to the client. The second option
requires a payment of one-quarter of the agreed upon fee to be paid on execution of the agreement,
and then one-quarter of the fee on the first business day of each calendar quarter until either (i) the
fee is paid in full, or (ii) the services specified in the agreement are completed, at which time the
balance of the fee will be due in its entirety. All services provided under the first payment option
will be completed in less than six months from the engagement commencement.

All fees paid to Roxbury Financial for investment advisory services are separate and distinct from
the expenses charged by mutual funds to their shareholders. These fees and expenses are described
in each fund’s prospectus. These fees will generally include a management fee and other fund
expenses. Client is responsible for all custodial and securities execution fees charged by the
custodian and executing broker-dealer. The Advisor’s fee is separate and distinct from the
custodian and execution fees.

Roxbury Financial’s fees are payable in advance. Upon termination, any fees paid in advance will
be prorated to the date of termination and any unearned fees will be refunded to client.

Where acting in the capacity of an insurance agent, investment advisor representatives (IARs) of
Roxbury Financial may as agent effect insurance transactions for typical and customary
compensation. This practice presents a conflict of interest by creating an incentive to recommend
insurance products based on the compensation received, rather than on a client’s needs. Clients of
Roxbury Financial are not required to utilize the IARs in their capacity as insurance agents for the
purchase of insurance products. Roxbury Financial has established a Code of Ethics to address
conflicts of interest. See the response to Item 11 below for more information on the Code of Ethics.
A client may be able to invest in products recommended by the firm directly, without the services
of Roxbury Financial. In that case, the client would not receive the services provided by Roxbury
Financial which are designed, among other things, to assist the client in determining which
products or services are most appropriate to each client’s financial condition and objectives. Clients
should be aware that commissions from the sale of investment products do not represent 50% or
more of the revenues received by Roxbury Financial. Roxbury Financial does not charge advisory
fees on client assets invested through the broker-dealer or on insurance products.

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Item 7 Types of Clients

The Advisor will offer its services to individuals, pension and profit sharing plans, trusts, estates,
charitable organizations, corporations or other business entities.

The Advisor does not have any minimum requirements for opening or maintaining an account.