Stawnychy Financial Services Inc

Item 5 Fees and Compensation

Asset Management and Qualified Retirement Plan Consulting Fees
Pursuant to an Investment Advisory contract signed by each client, Stawnychy Financial will
charge an annual Asset Management Fee, payable quarterly in advance, based on the value of
portfolio assets of the account at the end of the previous quarter. New account fees are charged
monthly in advance until the beginning of the next calendar quarter, and then convert to quarterly
in advance. Fees for the first month will be prorated from the inception of the account to the end
of the first month.

Asset Management Fees range up to 1.55% per annum based on several factors including whether
the Asset Management Fee includes transaction costs or not, the type and complexity of the
investment management strategy employed, and the size of the account or overall client
relationship. Asset Management Fees may be reduced or waived for directors, officers, and
employees of Stawnychy Financial at the discretion of management. These fees may be negotiated
by Stawnychy Financial at its sole discretion. Asset Management Fees will generally be directly
deducted from the client account on a quarterly basis. In some cases, fees will not be directly
deducted and the client will be invoiced on a quarterly basis. For those clients whose fees are
directly deducted, the client will give written authorization permitting the Advisor to be paid
directly from their account held by the custodian. The custodian will send a statement at least
quarterly to the client and the Advisor will also send an invoice to the client outlining the fee
calculation and time period covered, and the amount withdrawn from the client account each time
the fee deduction invoice is sent to the qualified custodian.

Except in limited circumstances as described in Item 15, Stawnychy Financial generally does not
accept or maintain custody of a client’s funds or securities except for authorized fee deduction.

Stawnychy Financial offers investment management services to clients in both all-inclusive fee
(“wrap fee”) and non-wrap fee options. A wrap fee account is defined as one where a fee is charged
to the account that is not based directly on transactions in the account, and includes both the
investment management services and the costs of custody and executing the transactions in the
account (except for short-term trading or redemption fees which will be paid by clients). In non-
wrap fee accounts, the client will pay all custodial and securities execution and clearance fees to
the custodian and executing broker directly out of their account plus the Asset Management Fee
of the Advisor. Generally, clients in the wrap fee accounts will pay a higher Asset Management
Fee than those where those costs are not included in the advisory fee. The specific arrangement
for each client will be negotiated and defined in the investment advisory contract signed by each
client.

Fixed Fees
Stawnychy Financial charges a fixed fee for comprehensive financial planning services that will
range from $500 to $15,000 depending on the scope and complexity of the services required, and
will be negotiated in advance. Fixed fee-based clients are billed 25% of the fee upon the analysis
of the client’s current situation, 25% upon delivery of the initial proposed plan, 25% after final
revisions, and the remaining 25% upon delivery of the final plan.

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Hourly Fee
Some clients will contract to have financial planning advice, financial analysis or specific
consulting or administrative services provided based on an hourly fee. The Advisors hourly fee
will be billed at rates ranging from $100 per hour for clerical/administrative services to $300 per
hour for financial and business planning services provided by a senior CFP. The Advisor’s hourly
fees will be negotiated and agreed upon by the parties in advance. Hourly fee-based clients are
billed on a monthly basis and upon completion of work performed.

All fees paid to Stawnychy Financial for investment advisory services are separate and distinct
from the expenses charged by mutual funds and to their shareholders and the product sponsor in
the case of variable insurance products. These fees and expenses are described in each fund’s or
variable product’s prospectus. These fees will generally include a management fee and other fund
expenses. Please see Item 12 for additional information on trading costs.

If in a non-wrap account, client is responsible for all custodial and securities execution fees charged
by the custodian and executing broker-dealer. The Advisor’s fee is separate and distinct from the
custodian and execution fees. For wrap accounts, Stawnychy Financial will pay such custody and
transaction costs out of the Asset Management Fee.

Stawnychy Financial’s management fee is payable in advance. Upon termination with 30 days
advance written notice, any fees paid in advance will be prorated to the date of termination and
any unearned fee will be refunded to the client.

Neither Stawnychy Financial nor its supervised persons accept compensation for the sale of
securities or other investment products, including asset-based sales charges or service fees from
the sale of mutual funds.

The Client may terminate these services within five business days of the effective date of an
Agreement signed with the Advisor without penalty or payment of the Advisor's fee.

Item 7 Types of Clients

The Advisor will offer its services to individuals, high net worth individuals, charitable
organizations, municipal governments, and small businesses.

The Advisor does not have any minimum requirements for opening or maintaining accounts.