Zidel Financial Inc

Item 5: Fees and Compensation
Zidel Financial, Inc. charges advisory fees for a percentage of assets under management. If a client cancels, any
prepaid fees will be refunded on a pro-rated basis.
For some clients, Zidel Financial, Inc. provides a service to the client by selecting and monitoring money managers
on their behalf. When we do so, the other money managers pay Zidel Financial a portion of the fees paid by the
referred clients.
For some clients, Zidel Financial, Inc. charges an advisory fee based on assets under management as follows:
    •    Up to $5,000,000…………………………0.50% of assets under management
Money market assets are excluded from the asset total for billing purposes (no asset charges). Fees are negotiable
and certain clients receive a discount on the above management fee schedule. Clients can be able to obtain similar
services elsewhere for less cost and can terminate the relationship at any time.
Advisory fees are deducted from the client's account by the custodian and are charged quarterly in advance.
Advisory fees are based on account valuations of the market value of the assets in clients’ account at the prior
calendar quarter end, using the custodian's statements to determine valuation. For accounts opened or closed
mid-quarter, the fee will be pro-rated to the day, for charges or refunds due.
Clients should carefully review and compare Zidel Financial’s invoices and custodian statements to ensure
accuracy.
Certain investments that we purchase for clients, such as mutual funds, fixed income products, and ETFs have their
own fees, expenses, spreads, or concessions. For mutual funds and ETFs, fees are described in the prospectuses.
Zidel Financial’s fees are in addition to those fees and expenses, and these investments are included in the asset
values that are the basis of clients' fee.

There will also be ticket/transaction charges from the brokerage/custodian for trades placed in accounts, and
these charges are in addition to our fees.
Clients can obtain similar services elsewhere for less cost and can terminate the relationship at any time. See Item

Item 7: Types of Clients
Zidel Financial, Inc. generally provides investment advice to individuals, pension and profit-sharing plans, trusts,
estates, charitable organizations, corporations, and other business entities.
Zidel Financial, Inc. requires a minimum account size of $2,000,000 of investable assets. This account minimum
may be waived at the sole discretion of Zidel Financial.