Trek Financial LLC

Item 5: Fees and Compensation

A. Methods of Compensation and Fee Schedule

 Investment Management Services Fees
Investment management fees are subject to the investment advisory agreement between the client and
Trek. As compensation for our discretionary advice, you agree to pay us a single advisory fee, which consists
of two components: our “platform fee,” which represents our charges for maintaining your investment
portfolio and other support services, and the “advisor fee,” which represents the compensation we share
with your investment advisor representative who manages your discretionary portfolio through our
platform. A client may engage us to provide advice relative to investment accounts, employer-sponsored
retirement plans, life insurance and/or annuity products that they may own or that may not be held by the
client’s primary custodian. We may charge a maximum 1.00% “monitoring fee,” which is in addition to the
advisory fees for our discretionary advice. The monitoring fee is negotiable.
Trek, in its discretion, may negotiate fees based upon individual account criteria such as anticipated future
assets, client’s unique circumstances, and additional services performed. Our fees may be higher or lower
than fees charged by other financial professionals offering similar services. Trek reserves the right to modify
its fee schedule in the future by providing you with 30 days advance notice of any modification.
Fees are collected and charged either: (1) monthly in arrears; (2) quarterly in arrears; or (3) quarterly in
advance. By default, fees will be billed monthly in arrears unless otherwise agreed upon in writing. Fees for
any partial period (month or quarter) will be prorated based upon the number of calendar days in the
period (month or quarter) that the advisory agreement is in effect.
Monthly or Quarterly Billing in Arrears.
For accounts billed in arrears (monthly or quarterly), fees are based on the average daily value of the assets
of the period (month or quarter) just ended. The fee is calculated as follows: The Firm will calculate the
average daily value of the AUM of the period (month or quarter) just ended and will multiply that amount
by the respective fraction of the annual advisory fee. Average daily balance calculations may cause you to
pay higher fees in a declining market and lower fees in a rising market during a particular period.
We directly debit your account(s) for the payment of our advisory fees. This ability to deduct our advisory
fees from your accounts causes our firm to exercise limited custody over your funds or securities for
regulatory purposes. We do not have physical custody of any of your funds and/or securities. Your funds
and securities will be held with a bank, broker-dealer, or other independent, qualified custodian. Clients
may also elect to have advisory fees billed directly. You will receive account statements from the
independent, qualified custodian(s) holding your funds and securities at least quarterly. The account
statements from your custodian(s) will reflect the credits and debits to your account, including the amount
of our advisory fees deducted from your account(s) each billing period. You should carefully review account
statements for accuracy. Clients are urged to compare the account statements received directly from the
custodian to any performance report statements prepared by any Sub-Adviser.

Discounts, not generally available to our advisory clients, may be offered to family members and associated
persons of our firm.
The maximum fees for portfolio advisory services are determined and based upon the assets in
the client’s portfolio using the following cumulative fee schedule:

Portfolio Value                       Annual Advisory Fee.

$0 to $250,000                        1.50%
$250,001 to $500,000                  1.50%
$500,001 to $1,000,000                1.50%
$1,000,001 to $2,500,000              1.25%
$2,500,001 to $5,000,000              1.00%
$5,000,001 to $10,000,000             0.85%
$10,000,001 and above                 0.70%

Depending upon unique circumstances fees may be subject to negotiation. Fees assessed on different
assets in a portfolio may vary, depending on restrictions and complexity of management.
Trek charges each asset management account/household a platform fee to cover the costs of firm expenses
such as trading, portal, operations, and systems. The platform fee is billed by default, monthly in arrears
unless otherwise agreed upon in writing and is computed on the average daily balance of the household
investment portfolio. Depending on certain circumstances the platform fee may be negotiable.

Household Value                       Annual Platform Fee
$0 to $250,000                        0.33%
$250,001 t0 $500,000                  0.28%
$500,001 to $1,000,000                0.245%
$1,000,001 to $2,500,000              0.205%
$2,500,001 to $5,000,000              0.165%
$5,000,001 to $10,000,000             0.135%
$10,000,001 $25,000,000               0.100%
Above $25,000,000                     0.065%

A performance reporting fee for accounts that have a value less than $50,000 will be passed through to
the client. Third-party managers and sub-advisors will charge an additional fee. Such advisors may impose
a minimum portfolio size, minimum fee, or otherwise condition the provision of investment advisory
services. Please refer to such manager’s ADV Part 2A Brochure for specific information.
The model portfolio fees by default will be billed monthly in arrears unless otherwise agreed upon in writing
and are based on the average daily value of the model portfolio as of the last day of the prior month end.
Trek has a conflict of interest in that it has an economic incentive to recommend the model portfolios to
advisory clients.

                                                 Portfolio
  Model Portfolio                                Fee
  Trek Direct Indexing                           0.15%
...

Item 7: Types of Clients
Trek provides investment advisory services to a variety of clients, including individuals, high net worth
individuals, pension and profit-sharing trusts, Taft-Hartley plans, foundations, charitable
organizations, and other institutional clients or broker-dealers.
Trek generally requires a minimum account size of $100,000. Trek, in its sole discretion, may waive
the required minimum. Third-party managers may impose additional restrictions; please refer to the
third-party manager’s disclosure brochure.