YDFS Inc

Fees and Compensation

                                                                             Form ADV Part 2A, Item 5

Fees for Personal Financial Planning Advisory Services are charged at an agreed upon hourly,

quarterly or flat rate and are quoted based on the expectation of the hours to be incurred. Hourly rates

range from $275 to $475 depending upon the complexity of the work that is to be performed. The

minimum financial planning engagement is $6,000 with a non-refundable minimum prepayment of

$3,000 (or 50% of the estimated financial planning fee, whichever is greater).

In certain instances, depending upon the client’s needs and the services to be performed, an agreement

between the client and the adviser may be entered into with a fee different from the fee structure

discussed above. This fee would be based on the individual negotiations with the client.

Fees for Personal Investment Management and Ongoing Financial Planning Services are as follows

and are charged on a tiered basis depending on the dollar value of assets under management and

assume direct debit of fees from investment accounts and 100% discretion authority over investment

management (as more fully described below):

$0 up to $1,000,000 under management                         0.25 % per quarter

Next $1,000,001 - $2,000,000 under management                0.20% per quarter

> $2,000,001 under management                                0.15% per quarter

The above rates are charged based on the assumption that the client authorizes, via limited power of

attorney, the direct debit of investment accounts for investment management fees. Clients that prefer

to write a check for fees agree to pay an additional 0.10% of assets managed per quarter and fees are

      YDream Financial Services, Inc.                                              IARD No: 128995
      Form ADV Part 2A                                                         CRD Number 4708300
      Brochure                                                                       March 31, 2026

due on the first day of the calendar quarter. Fees that are more than 10 days past due are subject to

interest at the rate of 18% per annum.

Clients that do not wish to grant the advisor discretion to make investment decisions or trades in their

account without prior approval agree to pay 0.125% of assets per quarter in addition to the above fee

schedule.

Clients receive monthly statements from the custodian, and a quarterly consolidated portfolio

statement from the advisor, along with the invoice for fees. Annual performance reports are provided

upon request of the client. Clients requesting additional portfolio reporting/performance beyond the

forgoing agree to pay 0.125% of assets per quarter in addition to the above fee schedule.

In other instances, set quarterly retainer fees are charged for ongoing financial planning and

investment management services. These fees are based on an estimate of time spent, as well as cost of

ongoing research and administration. The minimum quarterly fee is $1,500 payable in advance and is

non-refundable and not pro-rated.

The initial asset allocation and portfolio design fees are quoted based on the expectation of the hours

to be incurred and the hourly rate. Hourly rates range from $275 to $475 depending upon the

complexity of the work that is to be performed and are agreed upon in writing prior to commencement

of work.

        YDream Financial Services, Inc.                                             IARD No: 128995
        Form ADV Part 2A                                                        CRD Number 4708300
        Brochure                                                                      March 31, 2026

A custodian is appointed for each individual client investment account, based on the client’s approval

and written authorization. If securities are purchased or sold within the account, they are subject to the

commission rate schedules applicable for that account/custodian. The advisor does not receive any

portion of these commissions.

Clients who invest in exchange traded and mutual funds will be paying two layers of fees; that is, fees

and expenses to the exchange traded fund or mutual fund company as well as advisory fees paid to our

firm.

      YDream Financial Services, Inc.                                            IARD No: 128995
      Form ADV Part 2A                                                       CRD Number 4708300
      Brochure                                                                     March 31, 2026

                       Performance-Based Fees and Side-By-Side Management

                                                                           Form ADV Part 2A, Item 6

YDream Financial Services, Inc. does not solicit or charge performance-based fees nor does it

advertise or guarantee any level of performance or investment rate of return. Clients pay the same

investment management fees regardless of portfolio performance or market returns. Portfolio annual

returns are never promised or guaranteed.

      YDream Financial Services, Inc.                                             IARD No: 128995
      Form ADV Part 2A                                                        CRD Number 4708300
      Brochure                                                                      March 31, 2026

Types of Clients

                                                                            Form ADV Part 2A, Item 7

The types of clients we serve include, but are not limited to, high-net worth individuals, non-high net

worth individuals, small business owners, corporate executives and employees, pension plans, profit

sharing plans, trusts, estates, and charitable organizations.

      YDream Financial Services, Inc.                                              IARD No: 128995
      Form ADV Part 2A                                                         CRD Number 4708300
      Brochure                                                                       March 31, 2026

                     Methods of Analysis, Investment Strategies and Risk of Loss

                                                                             Form ADV Part 2A, Item 8

The adviser relies on information and research from various financial and securities research firms and

resources, as listed in item 4.B. These sources use various security analysis methods, such as charting,

fundamental analysis and technical analysis. Investment strategies include long term purchases

(securities held more than one year) and short to intermediate term purchases (securities held less than

one year).