Comparison of our fee-based programs.

1. AJF Financial Services, Inc 708 Third Avenue Ste. 2011 New York, NY 10017 212-779-0789 www.ajffinancial.com
*Securities offered through American Portfolio Financial Services. Member FINRA and SIPC. Investment Advisory services offered through AJF Financial which is not affiliated with
APFS. AJF Financial Services, Inc. Is a SEC registered investment advisor.
If interested in discussing any of our fee based programs and/or your current wealth management strategy, please contact AJF Financial Services, Inc. directly at 212-779-
0789 to begin a conversation.
SAMPLE ASSET ALLOCATION MODELS – FOR ILLUSTRATIVE PURPOSES ONLY
15%
5%
0%
80%
CONSERVATIVE
US Equity International Equity
Real Estate Fixed Income & Cash
27%
11%
2%
60%
MODERATE CONSERVATIVE
US Equity International Equity
Real Estate Fixed Income & Cash
40%
17%
3%
40%
MODERATE
US Equity International Equity
Real Estate Fixed Income & Cash
51%
25%
4% 20%
MODERATE AGGRESSIVE
US Equity International Equity
Real Estate Fixed Income & Cash
59%
31%
5% 5%
AGGRESSIVE
US Equity International Equity
Real Estate Fixed Income & Cash
AJF Strategic Investment Program AJF Sustainable Asset Management Program
Program Minimum $25,000 for non-qualified accounts
$5,000 for qualified accounts
No minimum for group plans [401(k)s, 403(b)s or Simple IRAs]
$100,000; can household accounts to meet program
minimums.
Portfolio Composition Customized portfolio of ESG screened equity and/or fixed
Income mutual funds; assets allocated based on risk tolerance.
Customized portfolio of ESG screened equity and/or fixed
income investments; assets allocated based on risk tolerance.
Asset management account includes Mutual Funds, Individual
Equities, Fixed Income Products and REITS.
Fee Structurei
0.75% Annual Fee [ flat fee irrespective of account balances]
(Annual fees are billed on a quarterly basis)
$100,000 - $500,000 1.35%
$500,001 - $1MM 1.25%
$1MM+ 1%
(Annual fees are billed on a quarterly basis)
Internal Expense
Consideration
Utilizes institutional money managers; internal expenses on
institutional shares are generally 0.25% lower than retail share
class equivalents.
Utilizes institutional money managers in core portfolio;
internal expenses on institutional shares are generally 0.25%
lower than retail share class equivalents.
Internal expenses aren’t applicable to Individual equities/fixed
income products/REITS within portfolio
Rebalancing Annual portfolio rebalancing Quarterly portfolio rebalancing

2. AJF Financial Services, Inc 708 Third Avenue Ste. 2011 New York, NY 10017 212-779-0789 www.ajffinancial.com
*Securities offered through American Portfolio Financial Services. Member FINRA and SIPC. Investment Advisory services offered through AJF Financial which is not affiliated with
APFS. AJF Financial Services, Inc. Is a SEC registered investment advisor.
i
Program fees include portfolio management and trading costs, as well as ongoing support. In addition to the annual program fee, funds within each portfolio have their own
expenses. Other fees may include those mandated by the SEC; transfer, exchange and fund-redemption fees; conditional deferred sales charges; and markups or markdowns.
For full fee details, contact us for the AJF Financial Services, Inc. ADV brochure.
Diversification, asset allocation and rebalancing do not ensure a profit or protect against declining markets.