Sharkey Howes & Javer Inc

Item 5        Fees and Compensation
SHJ is a full service, fee-only investment advisory and financial planning firm. SHJ charge for our
services only and do not sell products that generate commissions or compensation to our planners or
our firm. As fiduciaries, we always act in good faith and in the best interests of our clients.

Annual Investment Management Fee
The first $1,000,000                      1.00% of portfolio assets
The next $1,000,001 up to $3,000,000      0.80% of portfolio assets
The next $3,000,001 up to $5,000,000      0.60% of portfolio assets
Over $5,000,000                           0.50% or less of portfolio assets

The annual investment management fee includes portfolio management and investment selection,
monthly statements from the custodian, quarterly performance reports, rebalancing and unlimited
consultation.
Our Investment Management fees are generally one percent (1%), or less, of the amount of assets
that we manage for you. One-quarter of this fee (.25%), or less, is deducted through direct billing to
the custodian at the end of each quarter, based on the account value at that time. Our fee is deducted
automatically from your custodial account at the end of each calendar quarter. It is clearly shown on
the quarterly statement that we provide to you and on the monthly statement sent independently from
your custodian.
Some special client circumstances have us bill clients directly for asset management fees, rather than
through their custodial account. New clients may be charged an initial set-up fee to open a new
custodial account. If you terminate your relationship with us, we will bill for fees earned up to the date
of termination. We may combine the value of related accounts for fee calculation purposes.
The advisory fee payable for any Held Away Account will be deducted directly from that account, if
possible, or another Client account if the plan does not allow fees to be paid from the account directly.
If there are insufficient funds available in another Client account or believes that deducting the
advisory fee from another Client account would be prohibited by applicable law, we will invoice you,
unless other billing arrangements are made.

In addition, the custodian may charge you a brokerage fee to buy or sell securities. SHJ does not
share in any brokerage fees charged by custodians.

Although SHJ 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, assets to be
placed under management, anticipated future additional assets; related accounts; portfolio style,

account composition, reports, among other factors. The specific annual fees are identified in the
contract between the adviser and each client.

Financial Planning Services
The charge for us to develop your personal financial plan is billed by the project and may range
between $2,000 and $15,000 dollars depending upon the complexity of your situation. In advance of
our work, you’ll know what cost to expect and we will bill you at the time of service. Financial Planning
clients pay an initial retainer of $500 for work to be completed within six months. Payments made
prior to the rendering of services will generally not be refundable if the work has been fulfilled by SHJ.
However, fair and proportionate refunds shall be made where services have not yet been rendered.

Item 7        Types of Clients
We offer Financial Planning and Investment Management services to individuals, businesses,
trustees and pension plans. Generally, our minimum investment account size is $250,000; although,
due to unique client circumstances, we occasionally accept some accounts less than $250,000.