Allgen Financial Advisors Inc

FEES & COMPENSATION

      Portfolio Management Fee

      Portfolio management is provided on an asset-based fee7 arrangement. The management fee will be
      calculated based on the aggregate fair market value (including cash and cash equivalent securities) of
      your portfolio account(s) on the last business day of the previous calendar quarter multiplied by one-
      fourth of the corresponding annual percentage rate for each portion of your portfolio assets that fall

      6   All information provided by and to you will be kept entirely confidential. Such information will be disclosed to third parties only with mutual written consent or as may be
          permitted by law.
      7   An asset-based fee is a percentage fee charged based on your assets under management for our professional time giving continuous advice, managing investment strategies,
          and suggesting investment options. We receive no other compensation for this advisory service unless first disclosed to you.

Form ADV: Part 2A                                                                                                                                             AllGen Financial Advisors, Inc.
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                                                                                                                                                DISCLOSURE BROCHURE

      within each tier – a blended fee (See “Billing” below under “Protocols for Portfolio Management” for
      formula calculation.). The tier breaks are as follows:

                                                                                               Annual Fee      Qualified Planëë              AllGen Crypto
                    Account Value           ë
                                                                                                 Rate           Management                    Altshield***
                                                                                                  Negotiable        Non-Negotiable               Non-Negotiable

                    First $1,000,000 .................................                            1.00%               0.50%                        1.25%
                    Next $1,000,000 .................................                             0.90%               0.50%                        1.25%
                    Next $1,000,000 .................................                             0.80%               0.50%                        1.25%
                    Next $1,000,000 .................................                             0.70%               0.50%                        1.25%
                    Next $1,000,000 .................................                             0.60%               0.50%                        1.25%
                    Next $5,000,000 .................................                             0.50%               0.50%                        1.25%
                    Next $15,000,000 ...............................                              0.40%               0.50%                        1.25%
                    Next $25,000,000 ...............................                              0.30%               0.50%                        1.25%
                    Next $50,000,000 ...............................                              0.25%               0.50%                        1.25%
                    Over $100,000,000 ............................                                0.20%               0.50%                        1.25%
                ë      The Account Value is the aggregate market value of your account assets maintained with our qualified custodian (See “Custodial Services”
                       under Item 12, “Brokerage Practices”). Account values greater than $250,000 are eligible for us to design a financial plan for no cost. This is
                       an optional service available to you should you request it. See “Financial Planning Fee” below for additional information. Qualified Plan
                       Management assets are not included with the account value total for us to develop a financial plan.
                ëë     Qualified Plan Management refer to retirement plans designed to meet ERISA guidelines (i.e., 401(k) and 403(b) plans, profit-sharing plans,
                       and Keogh (HR-10) plans). Services include: (i) analyzing the available funds within the plan, (ii) create and implement an allocation based on
                       your risk profile, and (iii) monitor and reallocate the portfolio as needed or as you deem necessary.
                ëëë    The AllGen Crypto AltShield Portfolio® is an AI-driven, algorithm-based investment strategy that utilizes FINIAT’s Intelligent Allocation model
                       to gain exposure to cryptocurrency exchange-traded funds (ETFs). For additional information, please see “AllGen Crypto AltShield Portfolio”
                       under the “Methods of Analysis, Investment Strategies & Risk of Loss” section in this Disclosure Brochure.

      Except for the Qualified Plan Management and AllGen Crypto Altshield Portfolio strategies, we may
      negotiate the management fee within each tier based on the size and complexity of the portfolio
      managed. Keep in mind, for the portion of your portfolio that exceeds into the next tier level, either
      through additional deposits or asset growth, a fee break will occur.

      A minimum annual fee of $500 ($125 billed quarterly) will be billed to those accounts with portfolio
      values of $50,000 or less, which may be waived if one of the following are met: (i) paying for, at
      minimum, an Individual financial plan (see “Financial Planning Fee” options below), or (ii) contributing
      $500 monthly to your portfolio management account.
...

TYPES OF CLIENTS

      The types of clients we offer advisory services to are described above under “Who We Are” in the Item 4,
      the “Advisory Business” section. We do not require a minimum account value to open a portfolio
      management account.