Our Firm's History Financial Symmetry Inc. was formed in 2001 with the goal of providing FSI’s clients with objective financial advice. Since then, we’ve added additional advisors and now have thirteen partners who are dedicated to the fiduciary principle that the client’s best interest should remain paramount at all times.
Our Principal Owners The owners of FSI are Bill Ramsay, Chad Smith, Allison Berger, Will Holt, Mike Eklund, Heather Gudac, Cameron Hendricks, Grace Kvantas, Grayson Blazek, Haley Modlin, Angela Keeley-White, Darian Billingsley and Colton Tickle. All major decisions of a strategic and administrative nature for the firm are undertaken by FSI’s Executive Team, which consists of our thirteen owners.
Amount of Assets Under Advisement As of February 29, 2024, FSI provided advice and management on approximately $1,004,433,560 of financial assets for 760 family groups, which includes 272 with approximately $441,923,189 on a non-discretionary basis, and 488 with approximately $562,510,371 on a discretionary basis.
Advisory Programs (Types of Services) Offered FSI offers different service levels for our clients: Wealth Management - Our continuous advice relationship takes into account your entire financial situation to help you reach your goals. With this service, we maintain and update your financial plan, monitor your progress relative to your financial plan and help with cash flow management. Tax planning, tax return reviews and estate planning are provided where appropriate. These coordinated services are encompassed by our disciplined investment management of your investment portfolio.
Since your financial situation is dynamic, additional services can be added as needed:
• Tax return preparation*
• College planning
• Social security analysis
• Medicare analysis
• Insurance analysis
• Employee benefit analysis
• Debt management advice
• Financial coaching on other financial matters *Tax Returns (additional cost) We complete tax returns for a number of our wealth management clients. Please discuss with your financial advisor for an estimated cost for your personal situation.

• Page 3 • Small Business 401(k) Advice - With this service, we serve as a Limited-Scope 3(21) Fiduciary Investment Advisor for corporate 401(k) plans. We do not have discretion over plan assets and solely provide counsel and guidance to the Plan, while maintaining a fiduciary standard-of-care. Under

this service agreement, Financial Symmetry researches, evaluates and recommends plan investment choices and may provide education materials to participants as well as participant consultations if requested at our hourly rate. For the 3(21) advisor service we charge hourly with current rates ranging from $40–$300 per hour.
Emerging Wealth - Our fees are calculated as a percent of your portfolio assets, starting at 0.85% with no minimum fee. Fees are billed quarterly in arrears based on the end of quarter value and are prorated for partial quarters. Once assets reach the minimum fee level of Wealth Management or your needs require additional services, your engagement with us will upgrade to Wealth Management.
Some clients are under legacy rates different than the current fee schedule. In unusual circumstances, fees are negotiable.
All fees paid to FSI are separate and distinct from the fees and expenses charged by mutual funds and ETFs to their shareholders. Mutual fund and ETF expenses are generally described in each fund’s prospectus. These expenses will generally include a management fee, other fund expenses, and possibly a distribution fee.
Clients may incur transaction fees in connection with trading of mutual fund, ETF, individual stock and bonds, which are charged by the custodian (brokerage firm holding the client’s assets for safekeeping). Mutual fund and exchange traded funds (ETFs) transaction fees charged by our recommended custodian, PERSHING, LLC, generally vary from $5 to $25 for each purchase and sale transaction. Transaction fees from other custodians will vary and could be higher or lower. The transaction costs for stock and bond trades vary. For a discussion of our practice in recommending brokers (custodians) to our clients and negotiating brokerage fees on their behalf, please see Item 12.
*Fees may be deducted from clients' accounts where appropriate and applicable, and/or paid by personal check by the client following receipt of an invoice. **Fees based on the above tiered table are cumalative. Ex. $2,000,000 would be billed at 0.85% for the first $1,000,000 and 0.70% for the next $1,000,000 From To Annual Rate $0.00$1,000,000.000.85% $1,000,000.00$2,000,000.000.70% $2,000,000.00$3,000,000.000.55% $3,000,000.00and up0.40% Financial Planning - Our typical plan cost is between $1,000–$4,000 but may be higher depending on level of complexity. Our current hourly rates range from $40-$300/hour.