Stewardship Financial Services Inc

Item 5 – Fees and Compensation

A- Compensation Methods

Stewardship is “flat-fee only.” Stewardship never charges a percentage of assets. We
believe it is inherently unfair to charge a client more for the same work simply because a
client has greater assets.

All advisory service income comes directly from fees charged to clients. Stewardship
sells no products which means it receives no commissions.

The “flat” distinguishes Stewardship from most other “fee-only” firms in that, other than
hourly charges, all of Stewardship’s fees are fixed, flat amounts.

Stewardship charges in one of five ways:

   1) For one-time project work, a flat fee, typically ranging from $2,000 - $6,000.

   2) For “retainer” clients, annual fees ranging from $2,000 to $5,000, billed quarterly.

   3) An initial two-hour “work session” for $800. This is Stewardship’s minimum fee.
      Subsequent work sessions are $975.

   4) Hourly work at $290 an hour, billed in 15-minute increments.

   5) When transferring assets to our custodian, we charge $200 for the first account transfer
      and $100 for each subsequent account transfer.

All fees are negotiable. Stewardship won’t let fees prevent someone from getting the
help they need. No increase in the fee schedule shall be effective without prior Client
consent.

Each year on Jan 1, Stewardship will adjust retainer fees for inflation using the same
cost-of-living-adjustment (COLA) announced for Social Security recipients. For example,
Stewardship used the COLA announced by the Social Security Administration in the fall
of 2025 for the inflation increase for January 2026. Annual fees are rounded to the
nearest $5 increment. For example, for a 3% COLA, a client with a $3,200 annual
retainer will increase to $3,295. ($3,200 plus 3% = $3,296 which rounds to $3,295.)
Hourly fees are rounded to the nearest $1 increment.

B- Billing Method and Schedule

Clients are billed directly. Fees are never deducted from client assets or accounts.

For single-engagement project work, Stewardship requires an up-front deposit of $500
or half the fee, whichever is less. The remaining balance is due immediately upon
presentation of the plan or advice to the client.

For annual retainer services, clients are billed quarterly during the period in which
services are provided.

C- Other Fees

Clients receiving investment advice will pay ongoing management fees within their
mutual funds and ETFs. These fees are fully disclosed in the fund prospectuses.
Stewardship receives no portion (zero) of these management fees and no compensation
(zero) from the mutual fund or ETF companies whose products it recommends.

Clients may also incur transaction fees if they use a brokerage service to buy or sell the
recommended funds. Stewardship receives no portion (zero) of those transaction fees.
For additional information, see item 12, Brokerage Practices.

D- Pre-Payment of Fees, Terminations and Refunds

Pre-payment of fees is required as described in Item B of this section, “Billing Method
and Schedule.” Prepayment of more than $1,200 is neither solicited nor required for
services to be provided more than 6 months into the future.

The client or Stewardship may terminate the advisory agreement at any time upon
written notice to the other. If the client verbally notifies Stewardship of the termination
and no written notice is received within 10 business days, Stewardship will provide
written notice of the termination as of the verbal date. If a client terminates within 5

business days of signing the advisory agreement, no charges will be assessed and all
prepaid fees will be returned promptly to the client. Should the client terminate the
engagement after 5 business days of signing the advisory agreement, the client will be
responsible and invoiced for work performed by Stewardship. All unearned, prepaid
fees will be promptly refunded. If either party terminates an annual retainer agreement,
the client will be charged or refunded (at the discounted retainer rate) for prepaid time,
used or unused, as well as for the months in the current quarter. If terminated on or
before the 15th of the month, the month of termination will be credited. Otherwise, the
month of termination will be charged in full.

E- Additional Compensation

Under no circumstances does Stewardship or any Stewardship employee or advisor
receive compensation for any of the following:

   ▪   The sale of securities or other investment products.
   ▪   Asset-based sales charges
   ▪   Service fees from the sale of mutual funds

Item 7 – Types of Clients

Stewardship provides services to individuals, businesses, charitable organizations, trusts
and estates. The only minimum requirement is a two hour initial “work session” for $800.
There are no minimums as to income, assets, or net worth. Fees are negotiable.
Stewardship won’t let fees prevent someone from getting the help they need.