Artesa Financial Group LLC

Item 5. Fees and Compensation
         AFG offers its services for a fee based upon assets under management. In addition, as discussed in Item
         10 of this brochure, certain of AFG’s Supervised Persons may, in their individual capacities, offer insurance
         products under a separate commission-based arrangement. Other than certain of AFG’s Supervised
         Persons possible offer of insurance products under a commission arrangement, as discussed in Item 10 of
         this brochure, neither AFG nor its Supervised Persons accept compensation for the sale of securities or
         other investment products, including asset-based sales charges or service fees from the sale of mutual
         funds.

         Investment Management Fee

         AFG provides investment management services for an annual fee based upon a percentage of the market
         value of the assets being managed by AFG. AFG’s annual fee is exclusive of, and in addition to brokerage
         commissions, transaction fees, and other related costs and expenses which are incurred by the client. AFG
         does not, however, receive any portion of these commissions, fees, and costs. AFG’s annual fee is prorated

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         Artesa Financial Group, LLC Disclosure Brochure

         and charged quarterly, in advance, based upon the market value of the assets being managed by AFG on
         the last day of the previous quarter. The annual fee varies (between 0.25% and 2.00%) depending upon
         the market value of the assets under management and the type of investment management services to be
         rendered. Other providers may offer comparable services for lower fees than AFG.

         The Firm includes cash in a client’s account in determining the valuation for billing purposes. The Firm may,
         in its sole discretion, not include cash in determining the fee, especially where a client has a high percentage
         of cash for reasons other than the Firm's investment management decision. AFG, in its sole discretion,
         may negotiate to charge a lesser management fee based upon certain criteria (i.e., anticipated future
         earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related
         accounts, account composition, pre-existing client, account retention, pro bono activities, etc.).

         Fees Charged by Financial Institutions

         As further discussed in response to Item 12 (below), AFG generally recommends that clients utilize the
         brokerage and clearing services of Charles Schwab & Co., Inc. (“Schwab”) for investment management
         accounts.

         AFG may only implement its investment management recommendations after the client has arranged for
         and furnished AFG with all information and authorization regarding accounts with appropriate financial
         institutions.   Financial institutions include, but are not limited to, Schwab, any other broker-dealer
         recommended by AFG, broker-dealer directed by the client, trust companies, banks etc. (collectively
         referred to herein as the “Financial Institutions”).

         Clients incur certain charges imposed by the Financial Institutions and other third parties. These additional
         charges include brokerage commissions and other transaction costs, custodial fees, reporting charges,
         charges imposed directly by a mutual fund or ETF in the account, which shall be disclosed in the fund’s
         prospectus (e.g., fund management fees and other fund expenses), deferred sales charges, odd-lot
         differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
         accounts and securities transactions. Such charges, fees and commissions are exclusive of and in addition
         to AFG’s fee.

         AFG’s Agreement and the separate agreement with any Financial Institutions may authorize AFG to debit
         the client’s account for the amount of AFG’s fee and to directly remit that management fee to AFG. The
         Financial Institutions that act as the qualified custodian for client accounts, from which the Firm retains the
         authority to directly deduct fees, have agreed to send a statement to the client, at least quarterly, indicating
         all amounts disbursed from the account including the amount of management fees paid directly to AFG.

         Fees for Management During Partial Quarters of Service

         For the initial period of investment management services, the fees shall be calculated on a pro rata basis.

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         The Agreement between AFG and the client will continue in effect until terminated by either party pursuant
         to the terms of the Agreement. AFG’s fees are prorated through the date of termination and any remaining
         balance is charged or refunded to the client, as appropriate.

         Additions may be in cash or securities provided that AFG reserves the right to liquidate any transferred
         securities or decline to accept particular securities into a client’s account. Clients may withdraw account
         assets on notice to AFG, subject to the usual and customary securities settlement procedures. AFG
         designs its portfolios as long-term investments and the withdrawal of assets may impair the achievement
         of a client’s investment objectives. AFG consult with its clients about the options and ramifications of
         transferring securities as necessary. However, clients are advised that when transferred securities are
...

Item 7. Types of Clients

         AFG provides its services to individuals.

         No Minimum Account Requirements

         AFG does not impose a stated minimum fee or minimum portfolio value for starting and maintaining an
         investment management relationship.