Starr-Mathews Financial LLC

Item 5: Fees and Compensation

A. Fee Schedule

Investment Supervisory Services Fees
           Total Assets Under Management                   Annual Fee

          All Assets Under Management                        1.50%

These fees are negotiable depending upon the needs of the client and complexity of the
situation, and the final fee schedule is attached as Exhibit II of the Investment Advisory
Contract. Fees are paid monthly in arrears, and clients may terminate their contracts with

ten days’ written notice. Because fees are charged in arrears, no refund policy is necessary.
Clients may terminate their accounts without penalty within 5 business days of signing
the advisory contract. Advisory fees are withdrawn directly from the client’s accounts
with client written authorization.

At the discretion of Starr-Mathews Financial, investment supervisory services fees may
be charged on a fixed fee basis. These fees are negotiable and will depend on the
complexity of the situation, and the final fee schedule is attached as Exhibit II of the
Investment Advisory Contract. Fees are paid monthly in arrears, and clients may
terminate their contracts with ten days’ written notice. Because fees are charged in
arrears, no refund policy is necessary. Clients may terminate their accounts without
penalty within 5 business days of signing the advisory contract. Advisory fees may be
withdrawn directly from a client’s designated account or the client may be invoiced and
billed directly monthly in arrears.

Financial Planning Fees
Fixed Fees
Depending upon the complexity of the situation and the needs of the client, the rate for
creating client financial plans is between $1,500 and $50,000. Fees are paid in in advance,
but never more than six months in advance. Fees that are charged in advance will be
refunded based on the prorated amount of work completed at the point of termination.
The fees are negotiable and the final fee schedule will be attached as Exhibit II of the
Financial Planning Agreement. Clients may terminate their contracts without penalty
within five business days of signing the advisory contract.

The fee refunded will be the balance of the fees collected in advance minus the hourly rate
times the number of hours of work that has been completed up to and including the day
of termination.

Hourly Fees
Depending upon the complexity of the situation and the needs of the client, the hourly fee
for these services is between $150 and $300. The fees are negotiable and the final fee
schedule will be attached as Exhibit II of the Financial Planning Agreement. Fees are paid
in advance, but never more than six months in advance. Fees that are charged in advance
will be refunded based on the prorated amount of work completed at the point of
termination. Clients may terminate their contracts without penalty within five business
days of signing the advisory contract.

The fee refunded will be the balance of the fees collected in advance minus the hourly rate
times the number of hours of work that has been completed up to and including the day
of termination.

Qualified Retirement Plan ERISA 3(38) or ERISA 3(21) Fees

Maximum fees may include asset based fees up to 1.5%, flat fees up to $50,000 and
participant fees up to $5 per participant.

These fees are negotiable depending upon the needs of the client and the complexity of
the situation. Fees may include minimums or a combination of flat fees, asset based fees
and per participant fees. A detailed fee schedule is attached as an appendix to the RPA
agreement. Fees are paid in arrears, and clients may terminate their contracts with ten
days’ written notice. Because fees are charged in arrears, no refund policy is necessary.
Clients may terminate their accounts without penalty within 5 business days of signing
the RPA contract. Clients have the option of paying the fee either by the plan sponsor
issuing a check or by having the fee debited from the plan’s trust. All retirement plan
assets are held by independent, third party custodians. For fees debited from the plan’s
trust, the custodian provides a billing statement showing the fees that were deducted. For
fees invoiced directly, we will provide you with an invoice describing the fees charged.
You should verify the accuracy of the fee charged, verify the correct amount was debited
from the plan trust by comparing the fee to that shown on the custodial statement and
report any discrepancies immediately to us. If you terminate your relationship with us,
the fee will be prorated to the asset transfer date.

B. Payment of Fees

Payment of Investment Supervisory Fees

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization. Fees are paid monthly in arrears. Advisory fees may also be invoiced and
billed directly to the client monthly in arrears.

Payment of Financial Planning Fees
Hourly Financial Planning fees are paid via check in advance, but never more than six
months in advance. Fees that are charged in advance will be refunded based on the
prorated amount of work completed at the point of termination.
Fixed Financial Planning fees are paid via check in advance, but never more than six
months in advance. Fees that are charged in advance will be refunded based on the
prorated amount of work completed at the point of termination.

Payment of Qualified Retirement Plan ERISA 3(38) or ERISA 3(21) Fees

Qualified retirement plan fees are charged against the plan trust by the TPA based on
client written authorization or paid directly by the client upon presentation of an invoice.
Payment cycles are quarterly, semi-quarterly, or monthly in arrears. Asset based fees are
calculated using custodian reports independent of both the TPA and advisor.

       C. Clients Are Responsible For Third Party Fees

       Clients who participate in the wrap fee program will not have to pay for transaction or
...

Item 7: Types of Clients

SM generally provides investment advice and/or management supervisory services to the
following types of clients:

          ❖ Individuals

          ❖ High-Net-Worth Individuals
          ❖ Pension and Profit Sharing Plans

Minimum Account Size

There is no account minimum.