SAFS LLC

Item 5 Fees and Compensation
Please refer to the "Advisory Business" section in this Brochure for information on advisory fees, fee
deduction arrangements, and refund policy according the services we offer.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses.

In addition to fund-related fees, Pershing Advisor Solutions, as custodian, will assess a fee based on
the assets under management held in your account with Pershing LLC ("Pershing").

We do not share in any portion of the brokerage fees/transaction charges imposed by the broker-
dealer or custodian. To fully understand the total cost you will incur, you should carefully review all
applicable fees, including those charged by mutual funds, exchange traded funds, our firm, and any
third parties. For information on our brokerage practices, please refer to the "Brokerage Practices"
section of this Brochure.

Compensation for the Sale of Securities or Other Investment Products
Persons providing investment advice on behalf of our firm are licensed as independent insurance
agents. These persons will earn commission-based compensation for selling insurance products,
including insurance products they sell to you. Insurance commissions earned by these persons are
separate and in addition to our advisory fees. This practice presents a conflict of interest because
persons providing investment advice on behalf of our firm who are insurance agents have an incentive
to recommend insurance products to you for the purpose of generating commissions rather than solely
based on your needs. You are under no obligation, contractually or otherwise, to purchase insurance
products through any person affiliated with our firm.

Any material conflicts of interest between you and our firm are disclosed in this Disclosure Brochure. If
at any time, additional material conflicts of interest develop, we will provide you with written notification
of the material conflicts of interest or an updated Disclosure Brochure.

Item 7 Types of Clients
Our firm offers investment advisory services to individuals, pension and profit sharing plans, trusts,
estates, charitable organizations, corporations, and other business entities.

In general, we require a minimum of $50,000 to open and maintain an advisory account. At our
discretion, we may waive this minimum account size. For example, we may waive the minimum if you
appear to have significant potential for increasing your assets under our management. We may also
combine account values for you and your minor children, joint accounts with your spouse, and other
types of related accounts to meet the stated minimum.