Worth Financial Advisory Group LLC

Item 5: Fees and Compensation

Methods of Compensation, and Fee Schedule

ASSET MANAGEMENT
Worth offers discretionary and non-discretionary direct asset management services to advisory
clients. Worth’s direct fees for these services will not exceed 2.0%. Worth’s philosophy is to develop
a portfolio for each client that contains fairly-valued, diverse investments suited to each client’s time
horizon, savings goal(s), financial situation and tolerance for investment risk. Worth primarily
constructs portfolios with exchange-traded funds (“ETFs”) and no- load index mutual funds. Worth
may also include several other securities types as appropriate to meet the objective of each of its
clients.
The annual fee may be negotiable. Accounts within the same household may be combined for a
reduced fee. Fees are billed quarterly in advance based on the amount of assets managed as of the
last business day of the previous quarter. Initial fees for partial quarters are pro-rated. Lower fees
for comparable services may be available from other sources. Clients may terminate their account
within five (5) business days of signing the Investment Advisory Agreement for a full refund.
Clients may terminate advisory services with thirty (30) days written notice. For accounts closed
mid-quarter, the client will be entitled to a pro rata refund for the days service was not provided in
the final quarter. Client shall be given thirty (30) days prior written notice of any increase in fees,
and client will acknowledge, in writing, any agreement of increase in said fees.

THIRD-PARTY MONEY MANAGERS
For certain clients, Worth utilizes the services of third-party money managers for all or a portion of
a Client’s investment portfolio, based on the Client’s needs and objectives. Clients utilizing a third-
party manager will sign a separate agreement with that manager and be subject to that manager’s
fees, which are in addition to Worth’s fees. The fees are calculated by the third-party money
manager and deducted automatically from the client’s account.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed 2%. The
annual fee is negotiable and may be charged as a percentage of the Included Assets or as a flat fee.
Fees may be charged quarterly or monthly in arrears or in advance based on the assets as calculated
by the custodian or record keeper of the Included Assets (without adjustments for anticipated
withdrawals by Plan participants or other anticipated or scheduled transfers or distribution of
assets). If the services to be provided start any time other than the first day of a quarter or month,
the fee will be prorated based on the number of days remaining in the quarter or month. If this
Agreement is terminated prior to the end of the billing cycle, Worth shall be entitled to a prorated
fee based on the number of days during the fee period services were provided or Client will be due
a prorated refund of fees for days services were not provided in the billing cycle.
The fee schedule, which includes compensation of Worth for the services is described in detail in
Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees; however, the Plan
Sponsor may elect to pay the fees. Client may elect to be billed directly or
have fees deducted from Plan Assets. Worth does not reasonably expect to receive any additional
compensation, directly or indirectly, for its services under this Agreement. If additional
compensation is received, Worth will disclose this compensation, the services rendered, and the
payer of compensation. Worth will offset the compensation against the fees agreed upon under the
Agreement.
WORTH FINANCIAL: FINANCIAL PLANNING AND CONSULTING SERVICES
For Financial Planning and Consulting Services Worth charges either an hourly fee of $550 or fixed
fee ranging from $1,250 to $250,000 based on complexity and unique client needs. Prior to the
planning process the client will be provided an estimated plan fee.
Worth’s CoachNetWorth Platform is designed exclusively for college coaches. Worth will provide
services on the following:
   •   Maximizing the clients’ total income and cost reduction strategies
   •   Planning, preparing & processing your tax returns*
   •   Risk management strategies
   •   Asset allocation
   •   Executing proper legacy planning and tax saving strategies
   •   Establishing a plan to reduce and/or eliminate your personal debt
   •   Establishing asset protection strategies
   •   Maximizing tax-deductible retirement savings
   •   Funding your children’s educational expenses on a tax advantage basis
   •   Cash flow management strategies
   •   Bookkeeping services
*Tax services are offered through collaboration with our Certified Public Accountant

Worth has developed a five (5) step process for the CoachNetWorth Platform:
   1. Initial Meeting “Recruiting Visit” – Worth will meet with each client in order to discuss
      services offered, the planning process and the client’s investment philosophy. Worth will
      assess each client’s needs and expectations.
   2. Goal Setting “Planning and Practice” – Worth understands how a coach’s past often
      influences their ambitions for the future. Worth will go backwards in time to understand
      how each client’s relationship with money have grown and evolved and will help create goals
      to prepare for the future.
   3. Financial Plan Development “Game Strategy” – The plan details out where the client is, where
      they want to go, the means to get there and any risks or constraints that may stand in the
      client’s way.
   4. Implementation “Game Time” – Worth will work with your team of accountants, attorneys
      and other professionals to implement the recommendations set out in the Financial Plan.
   5. Annual Review “Preparation for Next Season” – Worth will meet with clients at least annually
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Item 7: Types of Clients
Description
Worth primarily provides investment advice to college coaches, individuals, high net worth
individuals, businesses, profit and pension plans, and other, unaffiliated, registered investment
advisers. Client relationships vary in scope and length of service.

Account Minimums
Worth requires a minimum of $100,000 to open an account but reserves the right to waive the
minimum at its discretion.