Stevens Foster Financial Services Inc

Item 5         Fees and Compensation

Stevens Foster’s fees and compensation are fully transparent. The details of how Stevens Foster’s
compensation is calculated and charged is clearly documented in the written Agreement signed with each
client.

                                Financial Planning and Tax Service Fees
Services at a fixed or hourly fee are established upon execution of the Financial Planning/Tax Services
Agreement. Stevens Foster’s fee schedule is based upon the time estimated to gather information and
prepare the financial plan, the complexity of the planning case and/or tax return, special circumstances or
services and the amount of research involved to create the financial plan or file the tax return. Financial
Planning/Tax Service fees typically fall within a range of $750 to $25,000.

                                            Asset Based Fees
Investment management services are established upon execution of the Asset Management Agreement.
Accounts managed by Stevens Foster are charged based on a percentage of assets under management.
The asset management fee percentage vary due to the scope and extent of services provided, along with
the value of the managed accounts. Annual tiered asset management fees typically range between .30%
and 1.00%. Fees are billed monthly, based on the prior month’s account values, and collected in advance.

                                               Outside Costs
Steven Foster’s fees are exclusive of third-party brokerage commissions, transaction fees, and other
related costs and expenses which may be incurred by a client. Clients incur certain charges imposed by
custodians, brokers, third-party asset managers and other third-parties such as; fees charged by asset
managers, custodial fees, deferred sales charges, odd-lot differentials, wire transfer and electronic fund
fees, banking charges (if assets are held by a bank custodian), and other fees and taxes on brokerage
accounts and securities transactions. Mutual funds and exchange traded funds also charge internal
management fees which are disclosed in a fund’s prospectus. Such charges, fees and commissions are
exclusive of and in addition to Steven Foster’s fee. Stevens Foster does not receive any portion of these
commissions, fees and costs. If a desired investment product were to have a commission or load that can
be waived in favor of the client, Stevens Foster may advocate for this on behalf of the client. For more
information, refer to Item 12 Brokerage Practices.

                                     General Information about Fees
Agreements may be terminated by either party, without penalty, upon written notice. For fees payable in
monthly or quarterly installments, a refund of any collected but unearned fees would be provided upon
termination.

Item 7          Types of Clients

Stevens Foster provides advisory services, to the following types of clients: individuals, high net worth
individuals, corporate officers and insiders, Section 16 officers, small business owners, family trusts and
foundations.