Allpoint Financial Group LLC

Item 5: Fees & Compensation

We are required to describe our brokerage, custody, fees, and fund expenses so you will
know how much you are charged and by whom our advisory services are provided to you.
Please note that fees are negotiable on a per client basis at our firm’s discretion. In
accordance with CCR §260.238(j), our firm hereby discloses that lower fees for comparable
services may be available from other sources.

A. Description of how we are compensated for our advisory services provided to you.

   (i) Asset Management:

        Assets Under Management          Annual Percentage of Assets
        Charge* ALL ASSETS               1.75%
                                         Negotiable

       *Our firm’s fees are billed on a pro-rata annualized basis quarterly in advance based
       on the value of your account on the last day of the previous quarter. Please note
       that fees are negotiable on a per client basis at our firm’s discretion.

B. Description of whether we deduct fees from clients’ assets or bill clients for fees incurred.

   (i) Asset Management:
       We charge our advisory fees quarterly in advance based on the value of your
       account on the last day of the previous quarter. LPL Financial (“LPL”) or Charles
       Schwab (“Schwab”) will automatically deduct our advisory fees from client accounts
       custodied at their firm and pay the advisory fees to our firm as set forth in the
       executed in their designated account opening forms. Please note that fees will be
       adjusted for deposits and withdrawals made during the quarter. If accounts are
       opened during the quarter, the pro-rata advisory fees will be deducted during
       the next regularly scheduled billing cycle. We do not have the authority to direct the
       custodian to deduct our advisory fees from client accounts custodied at LPL or
       Schwab without written client consent. As part of this process, you understand and
       acknowledge the following:

      a) LPL or Schwab serve as your custodian options. Both send statements at
      least quarterly to you showing all disbursements in your account including the
      amount of the advisory fees paid to us, the value of your assets upon which our fee
      was based, and the specific manner in which our fee was calculated;

      b) You provide authorization permitting advisory fees to be deducted from your
      advisory account*;
      c) LPL or Schwab calculates our advisory fees and deducts them from your account.
      *Upon request, we are able to directly bill clients.

   (ii) Financial Planning & Consulting:

      We provide financial planning and consulting services on either an hourly or flat‑fee
      basis. Our hourly rate is $250. Flat fees typically range from $2,500 to $5,000,
      depending on the specific arrangement with the client. The fee you ultimately pay is
      determined by the scope and complexity of the services we provide to you. We may
      require a retainer of fifty percent (50%) of the ultimate financial planning or consulting
      fee with the remainder of the fee directly billed to you and due to us within thirty (30)
      days of your financial plan being delivered or consultation rendered to you. In all
      cases, we will not require a retainer exceeding $1200 when services cannot be
      rendered within 6 (six) months. Clients will be invoiced directly for financial planning &
      consulting services and may be paid by check or authorized by the client if fees are
      to be deducted from a specified advisory account.

C. Description of any other types of fees or expenses clients may pay in connection with our
   advisory services, such as custodian fees or mutual fund expenses.

   Clients will incur transaction charges for trades executed in their accounts. These
   transaction fees are separate from our fees and will be disclosed by the chosen
   custodian. Also, clients will pay the following separately incurred expenses, which we do
   not receive any part of: charges imposed directly by a mutual fund, index fund, or
   exchange traded fund which shall be disclosed in the fund’s prospectus (i.e., fund
   management fees and other fund expenses).

   LPL Financial offers a trading platform with select exchange traded funds (“ETFs”) that
   do not charge transaction fees. The n o transaction-fee ETF trading platform is
   a v a i l a b l e to clients participating in LPL Financial’s Strategic Wealth Management
   (“SWM”). Clients will be subject to transaction fees charged by LPL Financial for
   ETFs not included in LPL Financial’s platform and for other types of securities. The
   limited number of ETFs available on LPL Financial’s no-transaction fee platform may
   have higher overall expenses than other types of securities and ETFs not
   included in the platform. Charles Schwab was added as a custodian to give our
   clients and advisors additional options when searching for the most appropriate
   investment vehicle for their wants and needs. Some benefits of this platform include
   commission free trades in equities.

   Clients may also incur miscellaneous fees and charges from LPL Financial or Charles
   Schwab in their capacity as our custodian and clearing firm. Such fees are subject to
   change without prior notification from either firm. A current schedule is available upon
   request.

D. We must disclose if client’s advisory fees are due quarterly in advance. Explain how a
   client may obtain a refund of a pre-paid fee if the advisory contract is terminated
   before the end of the billing period. Explain how you will determine the amount of the
   refund.

   Either party may terminate the signed advisory agreement at any time. Upon receipt of
   your notice of termination, LPL or Schwab will process a pro-rate refund of the unearned
   portion of the advisory fees charged in advance at the beginning of the quarter.
...

Item 7: Types of Clients & Account Requirements

We provide our services to Individuals, High Net Worth Individuals, Pension & Profit Sharing Plans,
Charitable Organizations and Trusts and Estates.

We do not require a minimum account balance for our services; however, we have the right to
terminate the client’s account if it falls below a minimum size which, in its sole opinion, is too small to
manage effectively.