ITEM 5 FEES AND COMPENSATION
Please note, unless a client has received the firm’s Disclosure Brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the client within five (5)
business days of signing the contract without incurring any advisory fees.
The Investment Management fee is based on the market value of assets and is calculated according to the below listed fee
schedule. The firm reserves the right to adjust fees at its sole discretion.
INVESTMENT PRODUCTS ARE NOT FEDERALLY OR FDIC-INSURED, ARE NOT DEPOSITS OR OBLIGATIONS OF, OR GUARANTEED BY ANY FINANCIAL INSTITUTION, AND
INVOLVE INVESTMENT RISKS INCLUDING POSSIBLE LOSS OF PRINCIPAL AND FLUCTUATION IN VALUE.
TVFP LLC dba Treasure Valley Financial Planning | Form ADV Part 2A Firm Brochure | Page 4 of 13
ASSETS UNDER MANAGEMENT ANNUAL FEE
$0 – $500,000 1.50%
$500,001 – $1,000,000 1.25%
$1,000,001 – $3,000,000 0.95%
$3,000,001 – $5,000,000 0.75%
$5,000,001 – $10,000,000 0.50%
$10,000,001+ 0.40%
Fees are directly debited from Client accounts, or the Client may choose to pay by check or electronic funds transfer. The
annual fee is a blended fee calculated by applying the applicable tiered rates to the value of assets under management.
Fees are assessed monthly in arrears based on the average daily balance of assets under management during the billing
period. The annual fee is converted into a monthly charge by applying one-twelfth (1/12) of the annual blended fee.
E X A MP L E C A L C U L A T I O N
A client with $3,000,000 in Assets Under Management would have an annual fee calculated as follows: ($500,000
× 1.50%) + ($500,000 × 1.25%) + ($2,000,000 × 0.95%) = $32,750 (1.0917% blended rate); monthly fee = $32,750
÷ 12 = $2,729.17. Actual fees will vary based on changes in asset values and the resulting average daily balance
during the billing period.
Fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which may be incurred
by the client. Clients may incur certain charges imposed by custodians, brokers, and other third parties such as custodial fees,
deferred sales charges, odd-lot differentials, transfer taxes, wire transfer, and electronic fund fees, and other fees and taxes
on brokerage accounts and securities transactions. Mutual fund and exchange-traded funds also charge internal management
fees, which are disclosed in a fund’s prospectus. These charges, fees, and commissions are exclusive of and in addition to our
fee, and we shall not receive any portion of these commissions, fees, and costs.
Investment Management fees are pro-rated and are paid in arrears on a monthly basis. Accounts initiated or terminated
during a calendar month will be charged a pro-rated fee based on the amount of time remaining in the billing period. An
account may be terminated with written notice at least 30 calendar days in advance. Since fees are paid in arrears, no refund
will be needed upon termination of the account.
Third-Party Managers and Sub-Advisers
Adviser may utilize one or more third-party Sub-Advisers to manage all or a portion of a client's assets. When engaged, Sub-
Advisers generally charge a separate fee that is in addition to the Firm's advisory fee disclosed above. Sub-Adviser fees, billing
practices, and other terms may vary by Sub-Adviser and may include differences in fee amounts, frequency of assessment,
calculation methodologies, and methods of billing or deduction from client accounts. Adviser may leverage multiple Sub-
Advisers, each of which may have different fee schedules and terms. Any applicable Sub-Adviser fee arrangements, including
varying fee deduction frequencies and methods of calculation, will be disclosed and documented in the client's signed fee
addendum or other applicable account documentation.
INVESTMENT PRODUCTS ARE NOT FEDERALLY OR FDIC-INSURED, ARE NOT DEPOSITS OR OBLIGATIONS OF, OR GUARANTEED BY ANY FINANCIAL INSTITUTION, AND
INVOLVE INVESTMENT RISKS INCLUDING POSSIBLE LOSS OF PRINCIPAL AND FLUCTUATION IN VALUE.
TVFP LLC dba Treasure Valley Financial Planning | Form ADV Part 2A Firm Brochure | Page 5 of 13
Fee-Based Annuity Services
Treasure Valley Financial Planning provides investment advisory services for fee-based annuities. The advisory fee for fee-
based annuities is 1.00%, and remains fixed for the life of the contract.
Fees are assessed either annually, monthly, semi-annually, or quarterly, through the annuity provider. The 1% fee is
calculated based on the contract value at the time of billing, or in arrears, unless otherwise noted in the client’s signed fee
addendum. The fee, contract owner & billing frequency will be documented via the client’s signed fee addendum and the
annuity provider's fee authorization form.
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