Sterling Financial Advisors LLC

Item 5          Fees and Compensation
Fees for Pension Consulting
We receive an advisory fee, which is calculated based on a percentage of Plan assets and is charged quarterly
or monthly in arrears. This fee is charged to plan participants. The percentage of Plan assets is an annual
fee of up to .60%, which is negotiable. Should the pension consulting service be cancelled, the effective date
of the cancellation will be the end of the current quarter. The fee will be pro-rated through the date of
cancellation and charged to the plan. Please review your contract to determine which fee schedule applies
to your plan.

Item 7          Types of Clients
We typically work with individuals, high net worth individuals, trusts, pension and profit sharing plans, and
small businesses. Our minimum account value for clients who work with us is $250,000. This amount is
negotiable at the discretion of the Financial Advisor and is based on potential for additional assets, personal
relationship with the client, and the amount of services needed by the client.

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