ABG Consultants LLC

5. Fees and Compensation
Advisory Services to Individuals

    AUM-based Fee
    Individuals are charged an asset-based fee ranging from 0.20% to 1.00% and are billed
    quarterly, in arrears, based on the end of prior quarter account values, including cash
    balances. When advisory services commence during a quarter, fees are prorated based
    on the inception date. The specific fee is described in the client’s Advisory Agreement.

    Financial Planning Fees
    The rate for creating client financial plans is between $300 and $1,500. The fees are negotiable
    and the final fee schedule will be attached in a separately executed Financial Planning

    Agreement. Fees for financial plans are payable in advance and generally delivered in less
    than two months.
    Clients may terminate the Financial Planning Agreement without penalty, for full refund of
    ABGC’s fees, within five business days of signing the Financial Planning Agreement.
    Thereafter, clients may terminate the Financial Planning Agreement upon written notice.

Advisory Services to Retirement Plans
    The rate for managed account services to Retirement Plans is 0.25% of the plan assets for
    which ABGC is providing such managed account services. These fees are negotiable at
    ABGC’s sole discretion.

    The minimum annual fee is $500 or 0.05% depending on whether the fee is billed as a flat
    dollar amount or as a percentage of assets. The specific fee, and fee minimum, is described
    in the client’s Advisory Agreement. Fees are billed quarterly, in arrears, based on the end
    of prior quarter account values, including cash balances. When advisory services
    commence during a quarter, fees are prorated based on the inception date .

Advisory Services to Health Savings Plans

    The minimum annual fee is 0.05%. Fees are calculated based on the prior quarter
    average daily value of the client’s account or the prior quarter-ending account balance,
    including cash balances. The specific fee and calculation method is described in the
    client’s Advisory Agreement. Fees are negotiable at ABGC’s sole discretion.

Hourly Planning Engagements
    ABGC provides hourly planning services for clients who need advice on a limited scope of work.
    The hourly rate for limited scope engagements is $250.

Fee Billing
   Fees are deducted from a designated client account to facilitate billing. The client must
   consent in advance to direct debiting of their investment account.
    Managed account fees are withdrawn directly from client’s accounts with client’s written
    authorization.
    Financial planning fees are withdrawn directly from the client’s accounts with client’s written
    authorization or may be invoiced and billed directly to the
    client; clients may select the method in which they are billed. Fees are paid in advance at
    point of sale.

    Retirement plans may elect to pay their fees directly.

    ABGC, in its sole discretion, may waive its minimum fee and/or charge a lesser investment
    advisory fee based upon certain criteria (e.g., historical relationship, type of assets,
    anticipated future earning capacity, anticipated future additional assets, dollar amounts of
    assets to be managed, related accounts, account composition, negotiations with clients, etc.).

Other Fees
    Custodians may charge transaction fees on purchases or sales of certain mutual funds and
    exchange-traded funds. These transaction charges are usually small and incidental to the
    purchase or sale of a security. The selection of the security is more important than the
    nominal fee that the custodian charges to buy or sell the security. Mutual funds generally
    charge a management fee for their services as investment managers. The management
    fee is called an expense ratio. For example, an expense ratio of 0.50 means that the
    mutual fund company charges 0.5% for their services. These fees are in addition to the
    fees paid by you to ABGC.

    ABGC does not accept any compensation for the sale of securities or other investment
    products. ABGC does not accept any asset-based sales charges or service fees from the
    sale of mutual funds. In addition ABGC will recommend “no-load” funds or funds which have
    had their loads waived.

Termination of Agreement
    A Client may terminate any of the aforementioned agreements at any time by notifying ABGC
    in writing and paying the rate for the time spent on the investment advisory engagement prior
    to notification of termination. If the client made an advance payment, ABGC will refund any
    unearned portion of the advance payment.
    ABGC may terminate any of the aforementioned agreements at any time by notifying the
    client in writing. If the client made an advance payment, ABGC will refund any unearned
    portion of the advance payment

7. Types of Clients
Description
   ABGC generally provides investment advice to individuals, pension and other retirement
   plans, trusts, estates, corporations or business entities.
    Client relationships vary in scope and length of service.