Superior Financial LLC

Item 5: Fees and Compensation

    Fees are negotiable in the sole discretion of SF; furthermore, SF may have legacy clients
    under different engagements and fees than those described below.

A. Fee Schedule

Wealth Management Service Fee:

                 Assets Under                 Annual Fee
                 Management
          First $500,000 under                0.95%
          management
          Next $500,000 under                 0.65%
          management
          Any assets greater than             0.45%
          $1,000,000 under
          management

Neos Planning:

                                      Fee:

                                 $300 per month

Financial Review Service Fee:

                                      Fee:

                                     $2,500

 After the completion of their review, clients may contact SF with follow up questions
 for an additional hourly fee.

B. Payment of Fees

Payment of Advisory Service Fees

Wealth management fees are tiered fees paid quarterly in advance through a direct debit
of the client’s managed account.

       NEOS Financial Services fees and Financial Review fees are paid by check, credit card or
       ACH.

       C. Clients Are Responsible for Third Party Fees

       While SF strives to limit fees and invests client assets primarily in commission free
       investments, clients are responsible for the payment of all third-party fees (i.e. custodian
       fees, mutual fund fees, transaction fee etc.). Those fees are separate and distinct from the
       fees and expenses charged by SF. Please see Item 12 of this brochure regarding
       broker/custodian.

       D. Prepayment of Fees

       SF collects fees in advance. Fees that are collected in advance will be refunded based on
       the total days during the billing period that services were provided in the wealth
       management or NEOS engagements or a prorated amount based on the amount of work
       completed at the point of termination in a Financial Review engagement. Fees will be
       returned within fourteen days to the client via check or deposited back into the account.

       E. Outside Compensation for the Sale of Securities to Clients

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

Item 7: Types of Clients
SF generally provides investment advice to individuals and high net-worth individuals. We
generally require a minimum of $500,000 in investable assets for our Wealth Management service.
There are no account minimums required for Financial Review services. We reserve the right to
waive any minimums at our sole discretion.

Item 8: Investment Strategies and Risk, of Investment Loss

    A. Investment Strategies / Principles

    Asset Allocation – Asset allocation will determine the vast majority of investment
    performance. Our institutionally managed strategies help ensure long-term investment
    success.

    Broad Diversification - It is important to hold a broad array of investments with
    multiple asset classes that include global diversification.

    Keep Costs Low – We focus on low-cost, tax efficient investments which directly benefit
    you.

    Rebalancing – Accounts are reviewed at least quarterly and rebalanced when asset
    allocations are outside of targeted amounts allowing for opportunity for increased
    returns and reduced risk.

    The investment strategy for a specific client is based upon the objectives stated by the
    client during consultations. For some qualified clients, we recommend alternative
    investments as a part of their investment portfolio. For those clients for whom
    alternative investments are used, SF uses various alternatives including but not limited
    to non-traded REITs and interval funds. Non-traded (i.e., illiquid) investments will
    require additional paperwork and approvals for purchases.

    Other strategies may include long-term purchases, short-term purchases, trading,
    margin transactions, and option writing (covered options).

    Investing in securities involves a risk of loss that you, as a client, should be prepared
    to bear.

    B. Material Risks Involved

    All investment programs have certain risks that are borne by the investor. Our
    investment approach constantly keeps the risk of loss in mind. Investors face the
    following investment risks:

           Interest-rate Risk: Fluctuations in interest rates may cause investment prices to
            fluctuate. For example, when interest rates rise, yields on existing bonds become
            less attractive, causing their market values to decline.

       Market Risk: The price of a security, bond, or mutual fund may drop in reaction
        to tangible and intangible events and conditions. This type of risk is caused by
        external factors independent of a security’s particular underlying circumstances.
        For example, political, economic, and social conditions may trigger market
        events.

       Inflation Risk: When any type of inflation is present, a dollar today will not buy
        as much as a dollar next year, because purchasing power is eroding at the rate of
        inflation.

       Currency Risk: Overseas investments are subject to fluctuations in the value of
        the dollar against the currency of the investment’s originating country. This is
        also referred to as exchange rate risk.

       Reinvestment Risk: This is the risk that future proceeds from investments may
        have to be reinvested at a potentially lower rate of return (i.e., interest rate). This
        primarily relates to fixed income securities.

       Business Risk: These risks are associated with a particular industry or a
        particular company within an industry. For example, oil-drilling companies
        depend on finding oil and then refining it, a lengthy process, before they can
        generate a profit. They carry a higher risk of profitability than an electric
        company, which generates its income from a steady stream of customers who
        buy electricity no matter what the economic environment is like.

       Liquidity Risk: Liquidity is the ability to readily convert an investment into cash.
        Generally, assets are more liquid if many traders are interested in a standardized
        product. For example, Treasury Bills are highly liquid, while real estate
        properties and non-traded REITs are not.

       Financial Risk: Excessive borrowing to finance a business’ operations increases
        the risk of profitability, because the company must meet the terms of its
        obligations in good times and bad. During periods of financial stress, the
        inability to meet loan obligations may result in bankruptcy and/or a declining
        market value.

SF utilizes investment strategies that are designed to capture market rates of both return
and risk. Frequent trading, when done, can affect investment performance, particularly
through increased brokerage and other transaction costs and taxes.

Investing in securities involves a risk of loss that you, as a client, should be prepared
to bear.

C. Risks of Specific Securities Utilized

SF investments are primarily in Exchange Traded Funds (ETFs), Mutual funds, and
Individual Stocks. As noted above, SF also uses, when appropriate for a client’s
investment strategy, some alternative investments, and options.

      ETF and Mutual Fund Risk- When investing in an ETF or mutual fund, you will
       bear additional expenses based on your pro rata share of the ETF’s or mutual
       fund’s operating expenses, including the potential duplication of management
       fees. The risk of owning an ETF or mutual fund generally reflects the risks of
       owning the underlying securities of the ETF or mutual funds. You will also incur
       brokerage costs when purchasing ETFs.

      Equity (stock) Market Risk- Common stocks are susceptible to general stock
       market fluctuations and to the volatile increases and decreases in value as market
       confidence in and perceptions of their issuers change. If you held common stock,
       or common stock equivalents, of any given issuer, you would generally be
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