Sechrest Financial Services LLC

Item 5 – Fees and Compensation

A. SFS is fee-only and is compensated for our services only by fees paid to us
   by the client. We offer to use no-load mutual funds and other investment
   products that we recommend to clients. We do not receive commissions from
   any products we recommend or from other financial planning professionals we
   work with for our clients’ planning. The fee will be discussed prior to entering
   into a contract and the client is billed quarterly in arrears. Fees will be
   negotiated depending on the size and complexity of the account and are
   generally between $12,000 - $20,000 per year.

B. We deduct fees from clients’ assets, but at a client’s request, we can bill
   clients for fees incurred instead.

C. While every effort is made to control transaction costs in client accounts,
   clients investing in mutual funds or other investments will incur brokerage,
   investment management, and transaction costs associated with those
   investments. Please refer to Item 12 – Brokerage Practices for additional
   information about brokerage.

D. Client fees will be discussed prior to entering into a contract and the client is
   billed quarterly in arrears. Fee refund or agreement termination terms are
   outlined in the Client Agreement that is signed by both us and the client
   before services begin. Unless otherwise stated, client agreements are for a
   period of one year and may be terminated at any time upon 30 days written
   notice. There are no provisions for refunds when services have been
   rendered.

E. SFS, its owner, and its employees do not accept compensation for the sale of
   securities or other investment products.

                     Part 2A of Form ADV – Firm Brochure

Item 7 – Types of Clients

SFS offers to provide investment advice to individuals, corporations, trusts,
estates, charitable organizations, and businesses’ retirement accounts, such as
pension plans. We do not have a minimum account size.

                        Part 2A of Form ADV – Firm Brochure