SAS Financial Advisors LLC

Item 5         Fees and Compensation

                     INDIVIDUAL PORTFOLIO MANAGEMENT FEES
Our annual fee for Individual Portfolio Management services will be charged as a
percentage of assets under management, according to the following schedule:

Assets        under       management                     Annual      Fee (%)*

   ● Up to $1,000,000...............................................0.85%
   ● $1,000,000 to $4,999,999..................................0.60%
   ● Over $5,000,000................................................0.50%

*SAS will quote an exact percentage to each client based on both the nature and total dollar
value of that account.

Our fees are invoiced in arrears at the end of each calendar quarter based upon the value
(market value or fair market value in the absence of market value), of the client's account at
the end of the current quarter. Fees are calculated by multiplying the assets under
management by the relevant percentage and dividing such product by four. Accounts
opened in mid-quarter will be assessed at a pro-rated management fee. Fees will be
debited from the account in accordance with the client authorization in the Client Services
Agreement.
                                 FINANCIAL PLANNING FEES
Financial Planning fees will be charged in one of the three ways listed below, upon
mutual agreement with the client:
1) Fixed fee: Fixed fees typically range from $800 to $5,000 depending on the nature and
complexity of each client's circumstances and upon mutual agreement with the client. We
require a retainer upon the signing of the advisory agreement of 50% of the negotiated fee. The
balance is due upon completion of the advisory service; and/or
2) Hourly basis: Our hourly fees range from $75 to $350 per hour, depending on the nature
and complexity of each client's circumstances and upon mutual agreement with the client. An
estimate for total hours will be determined at the start of the advisory relationship. 50% of the
estimated fee may be due upon signing the advisory agreement. The balance (based on actual
hours) is due upon presentation of the plan to the client.
3) Retainer Fee: SAS also offers a retainer fee based on a combination of hourly fees and
assets under management fees. The retainer fee will include the ongoing development and
updating of the financial plan. The factors that will be used to determine the amount of the
retainer fee include the complexity of the client's circumstances, the estimated amount of time
that will be involved, and the nature and frequency of the reporting that will be provided. The
retainer fee agreement covers all areas discussed and agreed upon by SAS and the SAS's

Financial Planning fee is determined based on the nature of the services being provided and
the complexity of each client’s circumstances. All fees are agreed upon prior to entering into a
contract with any client.

                   ADDITIONAL COMPENSATION RECEIVED BY SAS
Nothing to disclose in this matter.
See “Other Financial Industry Activities and Affiliations” Item 10 for additional disclosures.

                                      GENERAL INFORMATION
Limited Negotiability of Advisory Fees: Although SAS has established the
aforementioned fee schedule(s), we retain the discretion to negotiate alternative fees on a
client-by-client basis. Client facts, circumstances and needs are considered in determining
the fee schedule. These include the complexity of the client situation, assets to be placed
under management, anticipated future additional assets; related accounts; portfolio style,
account composition, reports, among other factors. The specific annual fee schedule is
identified in the contract between the adviser and each client.
We may group certain related client accounts for the purposes of achieving the minimum
account size requirements and determining the annualized fee.
Discounts, not generally available to our advisory clients, may be offered to family
members and friends of associated persons of our firm.
Termination of the Advisory Relationship: A client agreement may be canceled at any
time, by either party, for any reason upon receipt of written notice. As disclosed above, fees
are paid in arrears of services provided. Upon notification for termination of any account, any
prepaid, unearned fees will be promptly refunded. In calculating a client’s reimbursement of
fees, we will pro rate the reimbursement according to the number of days remaining in the
billing period.
Mutual Fund Fees: All fees paid to SAS for investment advisory services are separate and
distinct from the fees and expenses charged by mutual funds and/or ETFs to their
shareholders. These fees and expenses are described in each fund's prospectus. These fees will
generally include a management fee, other fund expenses, and a possible distribution fee. If
the fund also imposes sales charges, a client may pay an initial or deferred sales charge. A
client could invest in a mutual fund directly, without our services. In that case, the client
would not receive the services provided by our firm which are designed, among other things,
to assist the client in determining which mutual fund or funds are most appropriate to each
client's financial condition and objectives. Accordingly, the client should review both the fees
charged by the funds and our fees to fully understand the total amount of fees to be paid by the
client and to thereby evaluate the advisory services being provided.

Additional Fees and Expenses: In addition to our advisory fees, clients are also
responsible for the fees and expenses charged by custodians and imposed by broker dealers,
including, but not limited to, any transaction charges imposed by a broker dealer with which
an independent investment manager effects transactions for the client's account(s). Please

refer to the "Brokerage Practices" section (Item 12) of this Form ADV for additional
information.
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Item 7      Types of Clients
 SAS provides advisory services to the following types of clients:
        Individuals (other than high net worth individuals)
        High net worth individuals,
        Pensions & Profit-Sharing Plans
        There is NO account minimum size.