St. Bernard Financial Services, INC.

Fees are based on a percentage of assets under management, but clients may choose an hourly rate or a combination. Initial consultations are free. For continuing advisory agreements, fees are assessed quarterly in advance and deducted from the client’s account. Some clients prefer to be charged on a pure time basis at $125 per hour. Financial planning fees are charged at the current hourly rate, with a typical plan involving eight to ten hours of work. Discounts may be negotiated for special situations.