Safran Wealth Advisors LLC

Item 5: Fees and Compensation

Safran Wealth Advisors offer services on a fee basis.
This may include a fixed retainer fee, fees based on asset management, or hourly fees.

Description

Wealth Management
Our Wealth Management Service includes financial planning and ongoing management of client
assets based on client needs, goals, risk tolerance and formulated financial planning
recommendations.
Wealth Management fees are based on the financial planning complexity and the value of
portfolio assets at the time of engagement. The fee may be adjusted annually based on client
planning needs and market value of assets advised by Safran Wealth Advisors. First year Wealth
Management Fees may be billed 50% in advance and may include one additional quarter billing
cycle during the first calendar.
For most of our clients, ongoing fees are deducted from a designated client account to facilitate
billing. The client must consent in advance to direct debiting of their investment account.
Portfolio management fees may range from .75% to 1.5% of assets under advisement.

Financial Planning
Financial planning begins with a comprehensive plan which addresses our clients’ life goals; we
create strategies to help our clients achieve financial independence. Clients have the flexibility of
having this fee deducted from their accounts or may opt to pay this fee directly by check.
The fees for financial planning generally range from $7,500 to $40,000.

For the majority of our clients, ongoing fees are deducted from a designated client account to
facilitate billing. The client must consent in advance to direct debiting of their investment
account.

Safran Wealth Advisors, at its sole discretion, may negotiate fees with a client based upon certain
criteria such as historical relationship, current financial condition and anticipated change in
client’s future financial situation.

Termination of Agreement
After entering into an agreement, a client has five (5) business days to cancel and obtain a full
refund. If a client opts to terminate the agreement after an initial five-day period but before the
presentation of the financial plan, Safran will be compensated for time spent developing the
financial plan. The unearned portion of the fee, if any, will be refunded to the client.

                                     Safran Wealth Advisors, LLC

Both Safran and the client have the option to terminate the relationship after providing 30 days
written notice. Upon termination, Safran will be paid prorated fees earned from the end of the
previous quarter through the date of termination.

Other Fees
All fees paid to Safran Wealth Advisors for investment advisory and financial planning services
are separate and distinct from the fees and expenses charged by mutual funds to their
shareholders.
All mutual funds have expenses, but not all mutual funds have sales charges, also known as
commissions. We do not accept commission-based compensation of any nature, nor do we
accept 12b-1 fees.
Whenever possible we select institutional class mutual funds which have low annual expense
ratios. Mutual fund expenses include management fees, as well as transaction costs and
opportunity costs, which are not disclosed in the fund’s prospectus or Statement of Additional
Information, but which may be estimated.
In addition to the above, custodians and broker-dealers may charge transaction fees in
connection with buying or selling of certain mutual funds, exchange-traded funds, stocks or
bonds. Mutual fund and stock transaction fees charged by our recommended custodian can vary.
We believe our access to institutional mutual funds with low expense ratios provides a long term
investment benefit to our clients. For further discussion concerning Safran’s brokerage practices,
please refer to Item 12 of this Disclosure Brochure.

Comparable Services
Safran Wealth Advisors believes that the charges and fees offered within its program are
competitive with alternative programs available through other firms offering a similar range of
services; however, lower fees for comparable services may be available from other sources.
A client could invest in mutual funds directly or buy other securities, without the services of
Safran Wealth Advisors.
In that case, the client would not receive the services provided by Safran Wealth Advisors which
are designed to help them achieve their financial life goals. Safran Wealth Advisors assists the
client in determining which portfolio allocation is most appropriate for their financial condition
and objectives and helps them undertake a disciplined approach to portfolio rebalancing so the
client can maintain a long-term investment perspective.

                                     Safran Wealth Advisors, LLC

Item 7:        Types of Clients

Description

Safran Wealth Advisors generally provides financial planning and investment advisory services
to individuals, trusts, estates, pension plans, business entities, and charities or foundations.
Our client relationships vary in scope, and our client relationships are longstanding.

Account Minimums
Our minimum fee to establish a Wealth Management relationship with a client is $7,500.
Each client will be required to sign a Wealth Management Agreement with Safran that sets forth
the terms and conditions of their relationship with Safran.