At ILS Financial, LLC, we believe clients deserve to understand how they pay for advice, what those fees cover, and how incentives are aligned. The information below explains our standard fee structure for new clients going forward.

Important: This overview is for informational purposes only. Final fees, services, and billing terms are governed by your Investment Advisory Agreement and our Form ADV.

Our Approach to Fees
We separate financial advice into two distinct phases:
  1. A planning engagement focused on clarity and decision-making
  2. An ongoing advisory relationship focused on implementation, stewardship, and ongoing advice

This structure is designed to:

• Avoid hidden or embedded costs
• Reduce conflicts of interest
• Clearly align fees with services

Planning Engagement Fee (One-Time)
Most new client relationships begin with a planning engagement.

Typical Fee Range

• $1,500 – $3,000 (flat, one-time fee)

What This Covers
The planning engagement is a defined, finite process that may include:

• Goal and priority clarification
• Net worth and cash flow analysis
• Retirement and pension planning
• Tax planning considerations
• Risk management and insurance review
• Estate and beneficiary coordination
• Investment strategy framework
• The scope and fee depend on complexity and are agreed upon in advance.

Why This Fee Exists
The planning work requires meaningful analysis and professional judgment regardless of whether assets are ultimately managed. Charging a standalone planning fee ensures:

• Advice is not contingent on product implementation
• Recommendations remain objective
• Clients pay only for the work actually performed

Ongoing Advisory & Investment Management Fee
Clients who choose to continue into an ongoing advisory relationship engage ILS Financial under an Assets Under Management (AUM)-based fee.
Standard Advisory Fee
Up to 1.00% annually, billed monthly in advance
Fees may be negotiated based on asset size, complexity, scope of services, and related accounts

Illustrative Examples
$1,000,000 under management → approximately $10,000 per year
$2,000,000 under management → approximately $20,000 per year
(Actual fees are disclosed in your advisory agreement.)

What This Fee Includes

• Discretionary portfolio management
• Ongoing financial planning and advice
• Portfolio monitoring and rebalancing
• Coordination with tax, legal, and other professionals
• Periodic review meetings and ongoing access

Fee Transparency & Flexibility

• All fees are fully disclosed in Form ADV
• Fees are negotiable where appropriate
• Legacy clients may remain under prior agreements
• Clients are never required to change fee arrangements mid-stream

Lower fees for comparable services may be available elsewhere. We encourage prospective clients to compare not just cost, but scope, experience, and alignment of incentives.

Termination & Refunds
Clients may terminate an advisory agreement within five business days without penalty
Unearned, prepaid fees are refunded upon termination
Planning engagements conclude upon delivery of agreed-upon services

Additional Costs
Our fees do not include:

• Custodial fees
• Brokerage commissions
• Transaction charges
• Fund or ETF expense ratios

These costs are disclosed separately by the custodian or product sponsor.

A Final Word on Value
There is no single “right” way to pay for financial advice. What matters most is that:

• Fees are clear
• Services are defined
• Incentives are aligned
• Conflicts are disclosed

Our goal is not to be the cheapest option — it is to provide thoughtful, fiduciary advice aligned with your long-term objectives.
Form ADV and advisory agreements are available upon request and should be reviewed carefully before engaging our services.