Symphony Financial Services Inc

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Asset Management:

The maximum annual fee to be charged to the client’s account(s) will not exceed 2.00%. The fee to be
assessed to each account will be detailed in the client’s signed advisory agreement, LPL Account
Application or LPL Tiered Fee Authorization form. Our firm bills on cash unless indicated otherwise
in writing. Fees are billed on a pro-rata basis quarterly in advance or in arrears based on the value of
the account(s) using the time weighted average daily balance of the previous quarter. Fees are
negotiable and will be deducted from the account(s). Please note that fees will be adjusted for
deposits and withdrawals made during the quarter. If accounts are opened during the quarter, the
pro-rata advisory fees will be deducted during the next regularly scheduled billing cycle. In rare

ADV Part 2A – Firm Brochure                       Page 6                          Symphony Financial Services, Inc.

cases, our firm will agree to direct bill clients. As part of this process, Clients understand the
following:

    a) LPL as the client’s custodian sends statements at least quarterly, showing all disbursements
       for each account, including the amount of the advisory fees paid to our firm;
    b) Clients provide authorization permitting LPL to deduct these fees;
    c) LPL calculates the advisory fees for all fee schedules and deducts them from the client’s
       account.

Comprehensive Portfolio Management:

The maximum annual fee to be charged to the client’s account(s) will not exceed 2.50%. The fee to be
assessed to each account will be detailed in the client’s signed advisory agreement, LPL Account
Application or LPL Tiered Fee Authorization form. Our firm bills on cash unless indicated otherwise
in writing. Fees are billed on a pro-rata basis quarterly in advance or in arrears based on the value of
the account(s) using the time weighted average daily balance of the previous quarter. Fees are
negotiable and will be deducted from the account(s). Please note that fees will be adjusted for
deposits and withdrawals made during the quarter. If accounts are opened during the quarter, the
pro-rata advisory fees will be deducted during the next regularly scheduled billing cycle. In rare
cases, our firm will agree to direct bill clients. As part of this process, Clients understand the
following:

    a) LPL as the client’s custodian sends statements at least quarterly, showing all disbursements
       for each account, including the amount of the advisory fees paid to our firm;
    b) Clients provide authorization permitting LPL to deduct these fees;
    c) LPL calculates the advisory fees for all fee schedules and deducts them from the client’s
       account.

Financial Planning & Consulting:

Our firm charges on an hourly or flat fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our
engagement with the client. The maximum hourly fee to be charged will not exceed $300. Flat fees
range from $500 to $5,000. The fee-paying arrangements will be determined on a case-by-case basis
and will be detailed in the signed consulting agreement. Our firm will not require a retainer exceeding
$1,200 when services cannot be rendered within 6 months.

Retirement Plan Consulting:

Our Retirement Plan Consulting services are billed on an hourly or flat fee basis or a fee based on the
percentage of Plan assets under management. The total estimated fee, as well as the ultimate fee
charged, is based on the scope and complexity of our engagement with the client. The maximum
hourly fee to be charged will not exceed $300. Our flat fees range from $1,000 to $10,000. Fees based
on a percentage of managed Plan assets will not exceed 1.00%. The fee-paying arrangements will be
determined on a case-by-case basis and will be detailed in the signed consulting agreement.

Referrals to Third Party Money Managers:

The total annual advisory fee for this service shall not exceed 2.50%. A portion of this fee will be paid
to our firm and will be outlined in the third party money manager’s advisory agreement to be signed

ADV Part 2A – Firm Brochure                    Page 7                          Symphony Financial Services, Inc.

by the client. Clients will be provided with a copy of the chosen third party money manager’s Form
ADV Part 2, all relevant Brochures, a solicitation disclosure statement detailing the fees to be paid to
both firms and the third party money manager’s privacy policy. All fees that our firm receives from
the third party money managers and the written separate disclosures made to clients regarding these
fees comply with applicable state statutes and rules.

The billing procedures for this service vary based on the chosen third party money manager. The
total fee to be charged, as well as the billing cycle, will be detailed in the third party money manager’s
ADV Part 2A and separate advisory agreement to be signed by the client.

Other Types of Fees & Expenses

Clients will incur transaction fees for trades executed by their chosen custodian, via individual
transaction charges. These transaction fees are separate from our firm’s advisory fees and will be
disclosed by the chosen custodian.

LPL Financial offers a trading platform with select exchange traded funds (“ETFs”) that do not charge
transaction fees. The no-transaction-fee ETF trading platform is available to clients participating in
LPL Financials’ Strategic Wealth Management (“SWM”) and Strategic Asset Management (“SAM”)
programs. Clients will be subject to transaction fees charged by LPL Financial for ETFs not included
in LPL Financials’ platform and for other types of securities. The limited number of ETFs available on
LPL Financials’ no-transaction fee platform may have higher overall expenses than other types of
...

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Pension and Profit Sharing Plans;
   • Corporations, Limited Liability Companies and/or Other Business Types

Our firm does not impose requirements for opening and maintaining accounts or otherwise engaging
us. However, written financial plans are generally assessed a minimum fee of $250.