Assured Retirement Financial Group Inc

Item 5: Fees and Compensation
 Method of Compensation and Fee Schedule
  ASSET MANAGEMENT
  CFG Retirement may enter into sub-advisor/co-advisor agreements with other registered
  investment advisor firms. When using sub-advisors/co-advisors, the Client may incur
  additional platform or sub-advisor/co-advisor fees. The sub-advisor/co-advisor fees are not
  included in the fees charged by CFG Retirement, but are disclosed on the subadvisor’s
  investment management agreement, which each client is provided, and must sign, in order to
  access the services of the sub-advisor/co-advisor. Such additional fees are only incurred on the
  portion of clients’ portfolio managed by the sub-advisor/co-advisor. CFG Retirement charges an
  annual investment advisory fee based on the total assets under management as follows:
            Amount Under Management                           CFG Retirement Fee
                   Up to $500,000                                   1.20%
               $500,001 - $3,000,000                                1.00%
              $3,000,001 – $5,000,000                                .85%
              $5,000,001 - $10,000,000                               .80%
             $10,000,001 - $25,000,000                               .70%
             $25,000,001 - $50,000,000                               .40%
            $50,000,001 - $100,000,000                               .30%
  The annual fee may be negotiable. Accounts within the same household may be combined for a
  reduced fee. Fees are withdrawn from a Clients account in accordance with the sub- advisor/co-
  advisor utilized. Specific details will be provided in the Client Agreement signed by the Client.
  Lower fees for comparable services may be available from other sources. Clients may terminate
  their account within five (5) business days of signing the Investment Advisory Agreement with
  no obligation. Clients may terminate advisory services with thirty (30) days written notice. For
  accounts closed mid-quarter, CFG Retirement will be entitled to a pro rata fee for the days
  service was provided in the final quarter. Client shall be given thirty (30) days prior written
  notice of any increase in fees. Any increase in fees will be acknowledged in writing by both
  parties before any increase in said fees occurs.

 Client Payment of Fees
  Fees for asset management services are deducted from a designated Client account. The Client
  must consent in advance to direct debiting of their investment account.

 Additional Client Fees Charged
  Custodians may charge transaction fees on purchases or sales of certain mutual funds, equities,
  and exchange-traded funds. These charges may include Mutual Fund transactions fees, postage
  and handling and miscellaneous. The selection of the security is more important than the
  nominal fee that the custodian charges to buy or sell the security.

                                          CFG Retirement

  CFG Retirement, in its sole discretion, may waive its minimum fee and/or charge a lesser
  investment advisory fee based upon certain criteria (e.g., historical relationship, type of assets,
  anticipated future earning capacity, anticipated future additional assets, dollar amounts of
  assets to be managed, related accounts, account composition, negotiations with clients, etc.).
  For more details on the brokerage practices, see Item 12 of this brochure.
 Prepayment of Client Fees
  CFG Retirement does not charge fees in advance.
 External Compensation for the Sale of Securities to Clients
  CFG Retirement does not receive any external compensation for the sale of securities to clients,
  nor do any of the investment advisor representatives of CFG Retirement.

Item 7: Types of Clients
 Description
  CFG Retirement generally provides investment advice to individuals and high net worth
  individuals. Client relationships vary in scope and length of service.
 Account Minimums
  CFG Retirement does not require a minimum to open an account.