Item 5 - FEES AND COMPENSATION
AOG Wealth Management Program
A. Advisory fees are negotiable and are not based on a share of capital gains upon or capital
appreciation of the funds or any portion of the funds.
Additional assets deposited into the Account after it is opened will not be charged a pro-rata fee
based upon the number of days remaining in the then current calendar month. Similarly, partial
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withdrawals from the account will not result in a prorated portion of the fee being calculated on
the withdrawal. No fee adjustments will be made for Account appreciation or depreciation.
Household Value Tiered Annual Fee
First $1,000,000 1.25%
Next $4,000,000 1.00%
$5,000,000 and above 0.80%
AOG aggregates or households all of your managed accounts together to determine your monthly
fee.
For example, if you have four managed accounts with a value as of the just completed calendar
month of: $1,001,569.40, $550,498.46, $675,879.50, and $740,301.12 with a total value of
$2,968,248.48, fees will be calculated as follows.
First $1,000,000 x 1.25% $12,500.00
Next 1,968,248.48 x 1% $19,682.48
Annual Fee $32,182.48 / 365 x number of days in the month = Monthly Fee
AOG can change the above fee schedule upon 30-days prior written notice to you.
B. Advisory fees will generally be collected directly from your account, provided you have given
AOG written authorization. You will be provided with an account statement reflecting the
deduction of the advisory fee direct from the account custodian. If the Account does not contain
sufficient funds to pay advisory fees, AOG has limited authority to sell or redeem securities in
sufficient amounts to pay advisory fees. You can reimburse the account for advisory fees paid to
AOG, except for ERISA and IRA accounts.
C. In addition to the advisory fees above, you will pay for transaction charges on each transaction
conducted in the managed account, custodial services, account maintenance fees, and other fees
associated with maintaining the Account. Such fees are not charged by AOG and are charged
by the product, broker/dealer or account custodian. AOG does not share in any portion of such
fees. Additionally, you will pay your proportionate share of the fund’s management and
administrative fees and sales charges as well as the mutual fund adviser’s fee of any mutual fund
they purchase. Such advisory fees are not shared with AOG and are compensation to the fund-
manager.
D. Advisory fees are charged in arrears of each calendar month. The monthly advisory fee will be
based on the value of the Account on the last business day of the just completed calendar month.
Fees for partial periods will be prorated. The initial monthly fee will be a pro-rated portion of
the fee based on the number of days remaining in the calendar month.
Termination Provisions
You can terminate investment advisory services obtained from AOG, without penalty, upon written
notice within five (5) business days after entering into the advisory agreement with AOG. You will
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be responsible for any fees and charges incurred from third parties as a result of maintaining the
Account such as transaction fees for any securities transactions executed and Account maintenance or
custodial fees. Thereafter, you can terminate investment advisory services with 30-days written notice
to AOG. Should you terminate investment advisory services, you will be charged a pro-rated portion
of the advisory fee for the month up to the date of termination.
Financial Planning Services
You are advised that fees for planning services are strictly for planning services. Therefore, you will
pay fees and/or commissions for additional services obtained such as asset management or products
purchased such as securities or insurance.
Fees are negotiable. Your fees will be dependent on several factors including time spent with AOG,
number of meetings, complexity of your situation, amount of research, services requested and staff
resources.
Fee Type Fee Payable
Fixed Fee – $3,000 in year 1; Payable one-half (1/2) upon execution of the advisory
Couples/Families $200 per month agreement with AOG and the balance due at the time
years 2+ of presentation of the plan, unless otherwise
negotiated with you.
Fixed Fee – $1,800 in year 1; Payable one-half (1/2) upon execution of the advisory
Individuals $120 per month agreement with AOG and the balance due at the time
years 2+ of presentation of the plan, unless otherwise
negotiated with you.
Hourly Fee $250 per hour An estimated quote will be provided prior to executing
an agreement with AOG. One-half (1/2) of the
estimated fee is due upon execution of the advisory
agreement and the balance due at the time of
presentation, unless otherwise negotiated.
Completed plans are generally delivered in one to three months. If for some reason the plan is not
complete within six months, any fees previously paid will be rebated to the client.
Termination Provisions
You can terminate advisory services obtained from AOG, without penalty, upon written notice within
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