SYM Financial Corporation

Item 5 – Fees and Compensation
SYM charges its fee on a percentage of client assets under management or may charge flat fees.
Advisory fees are billed quarterly, in advance (with the exception of Qualified Plan Consulting services), based
upon the market value (including cash, securities, and accrued income) of the assets on the last business day of
the previous quarter (adjusted for intra-quarter additions/withdrawals, as applicable). Qualified Plan Consulting
services are billed in arrears at the beginning of each calendar quarter. Advisory fees are debited directly from
client accounts unless the client made alternative arrangements.
Client agreements will continue in effect until terminated by either party by written notice to the other. Upon
termination, SYM will have no obligation to recommend or take any action with regard to securities, cash or other
investments and will refund a pro rata portion of any prepaid and unearned advisory fees.
No change from the agreed upon annual fee shall be effective without prior written notification to the client.
Unless SYM determines to the contrary, advisory fees shall commence upon execution of the advisory agreement
by the client and SYM.
Fees for each service are explained below in more detail.

Wealth Management
Our annual fees for Wealth Management services are calculated as a percentage (%) of the market value of the
assets under management. Those percentages are tiered based on assets under management and generally range
from .30 – 1.50% as set forth in the fee schedule in the client’s advisory agreement. There is a minimum annual
fee commensurate with client complexity and is generally no less than $2,500 for clients with emerging wealth.

Financial Planning Projects
Our Financial Planning Project fee is determined based on the nature of the services being provided and the
complexity of each client’s circumstances. All fees are agreed upon prior to entering into a contract with any
client. The agreed upon fee, which is stated in the respective client’s contract, is payable as follows: 50% of the
fee is due at the start of the Financial Planning Project and the remaining 50% is due at the completion of the

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Financial Planning Project. Any advance payment; however; will never exceed $1,200 for work that will not be
completed within six months.

Portfolio Management
Our annual fees for Portfolio Management are calculated as a percentage (%) of the market value of the assets
under management. That percentage is generally less than or equal to 1.25% as set forth in the fee schedule in
the client’s advisory agreement.

Qualified Plan Consulting
Our annual fees for Qualified Plan Consulting services are calculated as a percentage (%) of the market value of
the assets under management. Those percentages are tiered based on assets under management and generally
range from .20 – .70%. There is a minimum annual fee and it is generally no less than $4,000.

General Information

Mutual Fund Fees
All fees paid to SYM for Portfolio Management services are separate and distinct from the fees and expenses
charged by mutual funds and/or ETFs to their shareholders. These fees and expenses are described in each fund's
prospectus. These fees will generally include a management fee, other fund expenses, and a possible distribution
fee. If the fund also imposes sales charges, a client may pay an initial or deferred sales charge. A client could invest
in a mutual fund directly, without our services. In that case, the client would not receive the services provided by
our firm which are designed, among other things, to assist the client in determining which mutual fund or funds
are most appropriate to each client's financial condition and objectives. Accordingly, the client should review both
the fees charged by the funds and our fees, to fully understand the total amount of fees to be paid by the client
and to thereby evaluate the advisory services being provided.

Alternative Investment Fees
For certain clients, SYM assists with identifying alternative investments to help implement the client’s objectives
on a non-discretionary consulting basis. SYM also provides discretionary advice with respect to alternative
investments for clients who fit the suitability profile for these types of investments. These investments may
include; but, are not limited to private equity funds, private debt funds, real estate funds, and hedge funds.
If a client determines to become a private fund investor, and/or SYM recommends alternative investments to a
client, the amount of assets invested in the fund(s) shall be included as part of “assets under management” for
purposes of SYM calculating its Portfolio Management fee per Item 5. No SYM client is under absolutely any
obligation to consider or make an investment in a private investment fund(s).
Please note: Private investment funds generally involve various risk factors, including, but not limited to, potential
for complete loss of principal, liquidity constraints and lack of transparency, a complete discussion of which is set
forth in each fund’s offering documents, which will be provided to each client for review and consideration. Unlike
liquid investments that a client may own, private investment funds typically do not provide daily liquidity or
pricing. Each prospective client investor may be required to complete a Subscription Agreement, pursuant to
which the client shall establish that he/she is qualified for investment in the fund; and acknowledges and accepts
the various risk factors that are associated with such an investment.

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Additional Fees and Expenses
...

Item 7 – Types of Clients
SYM provides advisory services to the following types of clients:

      Individuals, including High Net Worth Individuals

      Qualified Retirement plans (other than plan participants) including pension and profit-sharing plans, trusts,
       and estates

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       Charitable organizations

       Corporations or other businesses not listed above