Advanced Capital Group Inc

Item 5: Fees and Compensation

ACG’s ongoing advisory fees can be expressed as a flat dollar amount, a percentage of the total assets being
managed (“asset-based”), or a combination of the two. Fees are negotiated with your Financial Advisor and are
documented in your investment advisory service agreement. Clients can choose to have fees deducted from
assets or be billed directly. In either case, ACG’s arrangements for payment can be monthly or quarterly in
arrears or in advance.

ACG may also charge fees on either a project or hourly basis.

If ACG is paid for services in arrears, and a client terminates their contract at any time during the billing period,
there are no advanced fees that are paid that would require a refund.

If ACG is paid for services in advance, and the client terminates their contract at any time during the billing
period, any unearned fees resulting from the paid advance billing will be returned, prorated by the number of
days where financial services will not be performed in that billing period. This payment will be remitted within
30 days of contract termination.

ACG does not accept compensation for the sale of securities or other investment products, including
asset- based sales charges or service fees from the sale of mutual funds. It therefore has no conflict of interest
with those investments and does not recommend them based on the compensation received but, rather, on a
client’s needs. Clients of ACG have the option to purchase investment products that ACG recommends
through other brokers, agents, or investment advisors not affiliated with ACG.

ACG does not use products that pay sales commissions. ACG’s sole source of compensation is the fee disclosed
in ACG’s service agreement.

ACG’s clients are typically charged transaction fees or a recordkeeping fee by their selected trustee or
custodian. Those fees may be either assessed against the client’s account or paid directly by the client. These
fees are in addition to the advisory fees that ACG charges for its advisory services. ACG does not derive any
revenue from such fee(s). Finally, the decision of how that fee is paid is made by the client and not ACG.

Mutual funds and other types of pooled accounts generally have management fees (expressed as expense ratios)
embedded in them. Expense ratios generally negatively affect the return of investment vehicles. While expense
ratios are generally disclosed in advance by the pooled vehicles, other expenses embedded in them can be
more difficult to discern. A case in point is actual per-share trading fees. Except for per- share trading fees,
most expenses are accounted for in the fund’s prospectus or in the case of a separate account are generally
available upon request of the separate account’s management. ACG relies on publicly available software
systems to calculate expense ratios. Trading expenses and various “other” expenses are not generally tracked
by those publicly available software systems and ACG does not otherwise account for them.

ACG does not accept any soft dollars.

To explain how its fees are calculated, each of ACG’s three practice areas will be discussed separately.

 1. Institutional Investment Consulting

 Advanced Capital Group, Inc.                                                           IARD/CRD No: 109673
 Form ADV Part 2A
                                                                                       SEC File No.: 801- 69544
 Brochure
                                                                                                      3/20/2026

Fees are charged in the form of a percentage of assets under management, a fixed dollar amount, or a
combination of both. Fees may be billed in advance or in arrears, depending upon the option chosen by the
client. Asset-based fees are charged quarterly in arrears and calculated based upon the average daily balance
during the advisory period.

Some ACG clients choose to pay ACG directly while others pass ACG’s fees through, in whole or in part, to the
plan trust (where allowed). This decision is made by the plan client.

ACG does not have a standard fee schedule when providing its Institutional Investment Consulting
services as its fees depend on many factors and complexity. All fees are negotiated.

 2. Institutional Investment Management
ACG’s fees are negotiable but are generally charged monthly in arrears based upon the average daily balance
during the billing period. Annual Institutional Investment Management fees will not exceed 0.50% (50 basis
points) unless pre-approved by Compliance.

 3. Financial Wellness
ACG provides an assortment of participant support and financial wellness services and the method of
compensation differs from service to service, as well as by size of Client (e.g., participant head count). Fees
may be charged as a flat fee or as a per participant fee.

 4. Individual Wealth Management
Clients are charged an asset-based fee, quarterly in arrears, based upon the average daily balance during the
advisory period, which clients can choose to pay from outside their account or have deducted from their
account.

ACG currently requires a $5,000 initial minimum investment and its management fee generally will not
exceed 100 basis points (1.00%) for the construction and oversight of a broadly diversified portfolio.

Item 7: Types of Clients

Institutional Investment Consulting: ACG works primarily with employer sponsored retirement plans,
foundations/endowments, and Native American Tribal Councils. ACG does not have a minimum account
size.

Institutional Investment Management: ACG works primarily with pension plans, corporations, banks,
and insurers. ACG will accommodate startup plans holding no existing assets.

Financial Wellness: This is generally an additional service provided for our institutional clients.

Individual Wealth Management: ACG’s current minimum account is $5,000, but in certain cases will
consider other amounts if requested through an existing client relationship.