Safir Wealth Advisors LLC

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or
more written agreements with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth Management fees are paid monthly in arrears pursuant to the terms of the investment advisory agreement.
Wealth management fees are based on the average daily market value of assets under management during the
month. Wealth management fees are based on the following schedule:

                     Assets Under Management ($)                  Annual Rate (%)
                 Up to $2,500,000                                     1.00%
                 Next $2,500,000 (up to $5,000,000)                   0.80%
                 Next $5,000,000 (up to $10,000,000)                  0.60%
                 Over $10,000,000                                     0.40%

The wealth management fee in the first month of service is prorated from the inception date of the account[s] to
the end of the first month. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take
into consideration the aggregate assets under management with Advisor. All securities held in accounts managed
by SWA will be independently valued by the Custodian. SWA will conduct periodic reviews of the Custodian’s
valuations.

The Advisor’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other related costs and
expenses, which may be incurred by the Client. However, the Advisor shall not receive any portion of these
commissions, fees, and costs.

Financial Planning Services
When a Client engages SWA for stand-alone financial planning services, fees are either on an hourly basis, for a
fixed fee, or on an ongoing retainer. Hourly fees are charged at a fixed hourly rate of $350. Fixed fees range from
$2,000 to $10,000. Ongoing retainer fees range from $6,000 to $12,000 annually. Fees may be negotiable based
on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An
estimate for total hours and/or total costs will be provided to the Client prior to engaging in these services.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s]
at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be
deducted from the Client’s account[s] at the respective month-end date. The amount due is calculated by applying
the monthly rate (annual rate divided by 12) to the average daily balance of total assets under management with
SWA at the end of each month. Clients will be provided with a statement, generally monthly, from the Custodian
reflecting deduction of the wealth management fee. It is the responsibility of the Client to verify the accuracy of

                                              Safir Wealth Advisors, LLC
                                          63 Niblick Lane, Greenland, NH 03840
                                                  Phone: (603) 430-6001
                                                  www.safiradvisors.com

these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility.
Clients provide written authorization permitting advisory fees to be deducted by SWA directly from their account[s]
held by the Custodian as part of the investment advisory agreement and separate account forms provided by the
Custodian.

Financial Planning Services
Financial planning fees may be invoiced by the Advisor with up to fifty percent (50%) of the expected total fee upon
executing the financial planning agreement, and the balance shall be invoiced upon completion of the agreed-upon
deliverable[s]. Financial planning fees for ongoing financial planning engagements are invoiced by the Advisor on a
monthly basis in arrears.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties other than SWA in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities
execution fees charged by the Custodian. The investment advisory fee charged by SWA is separate and distinct
from these custody and execution fees.

In addition, all fees paid to SWA for investment advisory services are separate and distinct from the expenses
charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described
in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the
funds, other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and a
possible distribution fee. A Client may be able to invest in these products directly, without the services of SWA,
but would not receive the services provided by SWA which are designed, among other things, to assist the
Client in determining which products or services are most appropriate for each Client’s financial situation and
objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by
SWA to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional
information.

D. Advance Payment of Fees and Termination
Wealth Management Services
SWA is compensated for its wealth management services after services are rendered each month. Either party
may terminate the investment advisory agreement by providing advance written notice to the other party. The
Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s
agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory
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Item 7 – Types of Clients

SWA offers investment advisory services to individuals, high net worth individuals, trusts, and estates. The
amount of each type of Client is available on SWA’s Form ADV Part 1A. SWA generally does not impose a
minimum account size for establishing a relationship.