Advanced Planning Advisors Group Inc

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT- CO-ADVISOR
 APAG has entered into a Referral Agreement with Gradient Investments, LLC (“GI”). GI is a
 Registered Investment Advisor registered with the Securities and Exchange Commission
 that provides investment portfolio advice and supervisory services.
 GI offers an actively managed program of mutual fund and stock portfolios. The fee will be
 disclosed to the Client in the Investment Advisory Agreement and are negotiable. The
 Clients fee for these services will be based on a percentage of assets under management as
 follows:
                                  Asset           Stated Total                    APAG Fee
  Portfolio                                                        GI Fee*
                                  Valuation       Annual Fee                     (Negotiable)
  Custom Indexing - Strategic     All Assets          1.65%         0.65%           1.00%
  Strategic                       All Assets          1.50%         0.50%           1.00%
  Custom Indexing - Allocation    All Assets          1.65%         0.65%           1.00%
  Allocation                      All Assets          1.50%         0.50%           1.00%
  Tactical                        All Assets          1.50%         0.50%           1.00%
  Defined Outcome                 All Assets          1.50%         0.50%           1.00%
  Private Wealth                  All Assets          1.50%         0.50%           1.00%
  Preservation                    All Assets          1.00%         0.40%           0.60%
  Client Directed Accounts        All Assets          $300          $300              $0

 For Client Directed Accounts (CDA), GI will assist in the opening, closing and transferring of
 accounts. GI will not have discretion at any time on these accounts. Client is solely
 responsible for the assets held within the accounts and their values which could increase or
 decrease (potential loss of principal). GI will not execute trades in CDA accounts. GI
 exceptions will be made for withdrawals to client or assets transferred into a GI managed
 portfolio. GI will also provide performance reporting on these accounts and can furnish
 3rd party analysis reports per the client’s request. Similar services may be available
 through other sources for a lower fee.

 These are flat fee schedules, the entire portfolio is Example:
                                                                                   Quarterly
  Portfolio                                   Calculation
                                                                                   Fee
  Custom Indexing – Strategic                 ($750,000x1.65%) x (91/365)          $3,085.27
  Strategic Portfolio:                        ($750,000*1.50%) * (91/365)          $2,804.79
  Tactical Portfolio:                         ($750,000*1.50%) * (91/365)          $2,804.79
  Custom Indexing – Allocation                ($750,000x1.65%) x (91/365)          $3,085.27
  Allocation & Defined Outcome Portfolio: ($750,000*1.50%) * (91/365)              $2,804.79
  Private Wealth Portfolio:                   ($750,000*1.5%) * (91/365)           $2,804.79
  Preservation Portfolio:                     ($750,000*1.0%) * (91/365)           $1,869.86
 Fee Calculation: (Quarter End Value x Annual Fee %) x (Days in Quarter/Days in Year)
 + $15 Quarterly Service Fee*

 * The $15 Quarterly Service Fee is the technology fee charged per account or investment
 strategy for performance and other reporting. This fee is disclosed in our ADV Part 2A (Item 5:
 Fees and Compensation) and in our Investment Proposal and Contract (Schedule D: Schedule of
 Fees).

 The above fees are negotiable. Fees are assessed quarterly in arrears based on the amount of the
 assets managed as of the end of the previous quarter and will take into account additions and
 withdrawals in the time period. All management fees are withdrawn from the Client’s account
 unless otherwise noted. GI will receive written authorization from the Client to deduct advisory
 fees from their account held by a qualified custodian. GI will pay APAG their share of the fees.
 APAG does not have access to deduct Client fees. Clients may terminate their account within five
 (5) business days of signing the investment advisory agreement without penalty or obligation.
 For terminations after the initial five business days, GI will be entitled to a pro-rata fee for the
 days service was provided in the final quarter. GI will pay APAG their portion of the final fee.
 FINANCIAL PLANNING AND CONSULTING
 Financial planning services are included at no additional cost for asset management Clients
 of APAG.
Client Payment of Fees
 Fees for asset management services provided by TPM are deducted from a designated
 Client account by TPM to facilitate billing. The Client must consent in advance to direct
 debiting of their investment account.
Additional Client Fees Charged
 Custodians may charge transaction fees on purchases or sales of certain mutual funds,
 equities, and exchange-traded funds. These charges may include mutual fund transaction
 fees, postage and handling fees. For more details on the brokerage practices, see Item 12 of
 this brochure.
Prepayment of Client Fees
 APAG does not require any prepayment of fees.

External Compensation for the Sale of Securities to Clients
 Investment Advisor Representatives of APAG receive external compensation sales of
 investment related products such as insurance as licensed insurance agents. This
 represents a conflict of interest because it gives an incentive to recommend products based
 on the commission received. This conflict is mitigated by disclosures, procedures, and
 APAG’s fiduciary obligation to place the best interest of the Client first and Clients are not
 required to purchase any products or services. Clients have the option to purchase these
...

Item 7: Types of Clients
Description
 APAG generally provides investment advice to individuals, high net worth individuals,
 trusts and estates.
 Client relationships vary in scope and length of service.
Account Minimums
 APAG does not require a minimum to open an account.