Kelsey Mcdougall Stone

We typically charge asset-based fees based on the amount of investment capital we manage or advise on. Our fee schedule ranges from 1.25% to 0.50%, depending on the type of services provided and the amount of investment capital managed or advised on. While we do not have a minimum relationship size to become a client, we generally impose a minimum fee of $12,500, which can increase if more complex financial planning services are required. Asset-based fees are payable quarterly and in advance. The more assets there are in your advisory account, the more you will pay in fees; thus, HB has an incentive to encourage you to increase the assets in your account.

For a small number of clients, we charge a fixed fee instead of an asset-based fee. Fixed fees are payable quarterly and in advance.

We do not charge commissions, performance-based fees, or hourly fees.

Other fees and costs: Some investments like mutual funds, ETFs, or private funds include additional fund level management fees; you may also incur fees from your custodian for things like wire transfers, transaction fees, or other custody fees.

Additional Information: You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. For more information regarding our fees and costs, please review our Form ADV Part 2A Item 5, https://homrichberg.com/resources/form-adv/.

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means.

1. .We typically make money based on the amount of investment capital under our management; we have a financial incentive to recommend that you place more investment capital under our management.

2. We are the sponsor and manager of a number of investment funds. We do not charge any additional management fees to our clients who invest in these funds and we have no financial incentive to recommend them to clients. However, since we created these funds, we do have a bias to recommend them to clients.

Additional Information: Please review Form ADV Part 2A, Item 10, 12, and 14 for additional conflicts of interest, https://homrichberg.com/resources/form-adv/

HB financial professionals (“FPs”) are primarily compensated through a base salary, plus a bonus based on individual and firm performance. An additional bonus is provided when an FP refers a new client to HB or when a current client places additional investment capital under our management. FPs have a financial incentive to recommend that qualified individuals become clients of HB, and to recommend that current clients place more investment capital under our management. FPs do not receive any compensation for specific transactions or recommending specific investments to clients.