Altiora Financial Group LLC

Item 5 – Fees and Compensation
OVERVIEW

Fees you pay to us are exclusive of all custodial and transaction costs paid to your custodian, brokers or third
parties. Please see Item 12 – Brokerage Practices for additional information. Fees paid to us are separate and
distinct from the fees and expenses charged by mutual funds, exchange-traded funds (ETFs) or other pooled
funds (generally including management fees and fund expenses as described in each fund’s prospectus or
offering materials). You should review all fees charged by funds, brokers, us and others to fully understand the
total amount of fees paid.

Either party may terminate the Service Agreement at any time, subject to written notice requirements in the
Agreement. In the event of termination, any paid but unearned fees will be promptly refunded to you based on
the number of days that the services were provided, and any fees due to us will be invoiced or deducted from
your account prior to termination.

ADVISORY FEES

Our compensation philosophy is a function of our advice-centric business model. This is an important distinction
when comparing to firms that follow an asset-centric or asset gathering model.

We charge a flat fixed retainer fee for a combined Investment and Financial Advisory service. A percentage of
portfolio size does not apply. The fee is negotiated individually and generally ranges between $4,000 and
$12,000 per year depending on the scope of the services provided, complexity, time involvement, number and

       Altiora Financial Group, LLC                    6                                 SEC File Number
       CRD 292008                                                                            801-112389

 SEC Form ADV Part 2A

type of accounts, number of objectives, number of individuals, ongoing administrative needs, and/or other
miscellaneous requirements.

We reserve the right to charge less or more for engagements where deemed appropriate. Many long-term
clients pay lower fees than the current standard rates. We may change fees in response to operational efficiency
and to maintain quality client service. Any increase or decrease in the fee requires prior notice to you.

Retainer fees are payable quarterly in arrears. If service begins after the start of a quarter, fees are prorated
accordingly. With your authorization, unless other arrangements are made, fees are normally debited directly
from your account(s).

Item 7 - Types of Clients
We serve individuals, high-net-worth individuals, associated trusts, and estates.