APS Management Group Inc

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management & Selection of Other Advisers Fees

        Total Assets Under Management             Annual Fees
        $0 - $1,000,000                           1.00%

        $1,000,001- $2,000,000                    0.85%

        $2,000,001 - $3,000,000                   0.70%

        $3,000,001 - $4,000,000                   0.55%

        $4,000,001 and up                         0.40%

AMGI may also utilize a blended rate for clients that intend to increase assets in the future.
The actual fee charged will be specified in the investment advisory agreements signed by
the client.

AMGI bills monthly in advance and uses the balance at the end of the prior month for
purposes of determining the market value of the assets upon which the advisory fee is
based.

AMGI may engage in the selection of third-party money managers but does not have any such
arrangements in place at this time. Any advisory fees shared will not exceed 3.00% annually or
any other limits imposed by applicable regulatory agencies.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the Investment Advisory Contract. Clients may terminate the agreement without penalty
for a full refund of AMGI's fees within five business days of signing the Investment
Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract
generally with 30 days' written notice.

Pension Consulting Services Fees

        Total Assets Under Management          Annual Fee
        $0 - $500,000                          1.50%

        $500,001 - $1,000,000                  1.25%

        $1,000,001 - and up                    1.00%

AMGI uses the balance at the end of the prior month for purposes of determining the
market value of the assets upon which the advisory fee is based.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the pension consulting agreement. Clients may terminate the agreement without penalty
for a full refund of AMGI's fees within five business days of signing the pension
consulting agreement. Thereafter, clients may terminate the pension consulting
agreement generally with 30 days' written notice.

Financial Planning Fees

    Fixed Fees

    The negotiated fixed rate for creating client financial plans is between $1,000 and
    $50,000.

    Hourly Fees

    The negotiated hourly fee for these services is between $100 and $500.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the financial planning agreement. Clients may terminate the agreement without penalty
for a full refund of AMGI's fees within five business days of signing the financial planning
agreement. Thereafter, clients may terminate the financial planning agreement generally
upon written notice.

Educational Seminars/Workshops

AMGI provides periodic educational seminars and workshops to clients and the general
public.

B. Payment of Fees

Payment of Portfolio Management & Selection of Other Advisers Fees

Asset-based portfolio management fees are either withdrawn directly from the client's
accounts with client's written authorization or billed directly to the client payable by check
or wire; clients may select the method in which they are billed. Fees are paid monthly in
advance.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are either withdrawn directly from the client's
accounts with client's written authorization or billed directly to the client payable by check
or wire; clients may select the method in which they are billed. Fees are paid monthly in
advance.

Payment of Financial Planning Fees

Financial planning fees are paid via check and wire.

Fixed financial planning fees are paid 100% in advance, but never more than six months
in advance.

Hourly financial planning fees are paid 100% in arrears upon completion.

Payment of Educational Seminar/Workshop Fees

Educational seminars and workshops are offered for a fee between $15-$20 per session,
payable in advance at the door and are non-refundable.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by AMGI. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

AMGI collects certain fees in advance and certain fees in arrears, as indicated above.
Refunds for fees paid in advance will be returned within fourteen days to the client via
check, or return deposit back into the client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
the fees collected in advance minus the daily rate* times the number of days elapsed in

       the billing period up to and including the day of termination. (*The daily rate is calculated
       by dividing the annual asset-based fee by 360.)

       Fixed fees that are collected in advance will be refunded based on the prorated amount of
       work completed at the point of termination.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither AMGI nor its supervised persons accept any compensation for the sale of
       investment products, including asset-based sales charges or service fees from the sale of
       mutual funds.

Item 7: Types of Clients

AMGI generally provides advisory services to the following types of clients:

              ❖       Individuals
              ❖       High-Net-Worth Individuals
              ❖       Pension and Profit Sharing Plans
              ❖       Corporations or Business Entities

There is no account minimum for any of AMGI’s services.