American Retirement Planning Group Inc

Item 5 Fees and Compensation
Investment Management Service Account Program
We offer Investment Management Service Account Program as an account billed with separate
advisory fees and transaction charges ("Non-Wrap Account"). As such, in addition to the quarterly
account fee described below, you will also pay separate per-trade transaction charges.

You will pay a quarterly account fee, in advance, based upon the market value of the assets held in
your account as of the last business day of the preceding calendar quarter; you will receive an invoice
explaining how your quarterly fee is charged. Your account fees are negotiable and will be debited from
your account by our custodian five days after the invoice is mailed. You will receive a full account fee
refund in the event that you terminate your client agreement with us within five business days of
signing. If you terminate after the first five days, the account fee will be credited back to you on a pro-
rata basis for the unused portion of the quarter. In no case will clients pay more than $1,200 in fees six
months or more in advance.

The Program offers an unbundled pricing structure. Please note that the same or similar services may
be available elsewhere at a lower cost to you.

          ADDENDUM: NO LOAD VARIABLE ANNUITY SUB-ACCOUNT ADVISORY SERVICES
          (NLVAS)

Adviser's Advisory Representative(s) utilizing the Investment Management Services Account Program
through Pershing, LLC may provide No-Load Variable Annuity Sub-Account services. The Advisory
Representative will obtain the necessary financial data from you to assist you in determining suitability
for investment in Program. The information provided by you will include a brief description of the
investment objectives, guidelines and financial objectives for the Program NLVA(s). The Advisory
Representative will be available to you on an on-going basis to monitor any changes in your financial
circumstances or investment objectives.

Under the Investment Management Service Agreement NLVA(s) are annuities that Do Not Pay a
commission to Advisor or IAR.

You retain Adviser to manage the Program NLVA(s) through one of the following mechanisms:

NLVA(S) PROGRAM COMPENSATION (Investment Management Services Account)

As a participant in the NLVA Program, you shall pay Account Fees for the Program NLVA(s) in the
account. Program NLVA(s) is not assessed transaction fees since the reallocation of transactions are
placed directly with the No-Load Variable Annuity sponsor.

Schedule of Account Fees Investment Management Services Account Program

Asset Size                                                   Account Fee Range
                                                             Minimum and Maximum
$50,000      - $99,999.99                                    0.250% - 2.50

$100,000 - $249,999.99                                        0.200% - 2.30%
$250,000 - $499,999.99                                        0.175% - 2.05%
$500,000 - $749,999.99                                        0.150% - 1.80%
$750,000 - $1,249,999.99                                      0.125% - 1.85%
$50,000 - $1,999,999,99                                       0.100% - 1.75%
$2,000,000 - $4,999,999,99                                    0.075% - 1.65%
$5,000,000 - $24,999,999.99
                                                              0.050% - 1.55%
Over $25,000,000                                              0.025% - 1.45%

Cerberus Strategy (all asset levels)                          2.00%

FEES ARE NEGOTIABLE AND MAY BE SET AT A REDUCED FEE FOR WHOLE
ACCOUNT INSTEAD OF THE SCHEDULE ABOVE.

In addition to the Investment Management Services Account Program fees in Item 5A, you may incur
certain charges imposed by third parties other than Adviser in connection with Program NLVA(s):
including but not limited to internal No-Load Variable Annuity sponsor fees, as well as certain underlying
sub-accounts fees and IRA and Qualified Retirement Plan fees.
(Note: There are changes to the Schedule of Account Fees);

Our financial planning fees are based on how often we need to meet. Other factors include your
experience, the percent your 401(k)'s assets are to your net worth, the time to retirement, and the
importance these assets have on your future retirement income. Below is our general schedule.

   Quarterly Fee                        Example of Service
   $50.00                      Notify when to make changes.
                               Phone review when necessary
                               Quarterly reports.
   $100.00                     Notify when to make changes.
                               Quarterly phone review, quarterly
                               reports, annual meetings.
   $200.00                     Notify when to make changes.
                               Quarterly phone review, quarterly
                               Reports, semi-annual meeting.
  $400.00                      Notify when to make changes.
                                Quarterly reports, quarterly meetings.

  Fees are billed quarterly in arrears.
  Clients will receive an invoice prior to any fee deductions from the account the client has authorized
  for payment. Non IMSA accounts may send a check of payment of fees.

  Additional Fees and Expenses:

       1. Mutual fund investments in the programs that we offer were either purchased by you prior to our
          affiliation, or part of an existing retirement plan are no-load or load at NAV. Your mutual fund
          investments may be subject to early redemption fees, 12b-1 fees are in addition to the fees and
          expenses referenced above. Please review the mutual fund prospectus for full details.
       2. Variable annuity companies generally impose internal fees and expenses on your variable
          annuity investment, including contingent deferred sales charges and early redemption fees. In
...

Item 7 Types of Clients
ARPG deals with and provides investment advice to individuals, High Net Worth Individuals, Pension
and Profit Sharing Plans, Trusts, and Foundations.

Below are the recommended minimum investment amounts for each advisory service provided.
ARPG typically allows lower minimums based on needs or when total assets from all accounts exceed
minimums.

A.    Investment Management Service Account Program

       $10,000 or more initial client investment
       $100,000 or more to participate in “Cerberus” strategy

B.    Financial Consultation

     Not Applicable

C.   Employee Retirement Income Securities Act (ERISA) Services

     None