Beacon Financial Group Inc

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Adviser. Each Client engaging the Adviser for services described herein shall be required to enter into one more
written agreements with the Adviser.

A. Fees for Advisory Services
Wealth management fees are paid quarterly or monthly, at the end each calendar quarter or month, as applicable,
pursuant to the terms of the wealth management agreement. Wealth management fees are based on the market
value of assets under management valued at the end of the quarter. Wealth management fees generally range
from 0.20% to 1.55% annually, based on several factors, including: the scope and complexity of the services to be
provided; the level of assets to be managed; and the overall relationship with the Adviser. Relationships with
multiple objectives, specific reporting requirements, portfolio restrictions, the inclusion of financial planning
services, and other complexities may be charged a higher fee.

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to
the end of the first quarter. Fees may be negotiable at the sole discretion of the Adviser. Certain Clients may be
offered a tiered fee schedule instead of a fixed rate. For some client relationships with at least $1,000,000 in overall
assts with the firm, fixed income can be segregated into a separate account for the purposes of operational
efficiency when trading and billing. Fees for these separate fixed income accounts will range from 0.00% to 0.55%
. The Client’s fees will take into consideration the aggregate assets under management with the Adviser. All
securities held in accounts managed by Beacon will be independently valued by the Custodian. Beacon will not
have the authority or responsibility to value portfolio securities.

The Adviser’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the
Adviser will not receive any portion of these commissions, fees, and costs.

Financial Planning Services
Beacon does not typically provide financial planning services without also providing asset management services
for the same client. In the event such an engagement were to occur, a fee for this service will be separately
negotiated at that time.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Adviser or its delegate and deducted from the Client’s account[s]
at the Custodian. The Adviser will send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] at the beginning of each quarter or calendar month. The amount due is calculated by
applying the quarterly rate (annual rate divided by 4) or monthly rate (annual rate divided by 12) to the total assets
under management with Beacon at the end of the quarter or month, as applicable. Clients will be provided with a
statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients are
urged to also review the statement provided by the Custodian, as the Custodian does not perform a verification of
fees. Clients provide written authorization permitting advisory fees to be deducted by Beacon to be paid directly
from their account[s] held by the Custodian as part of the wealth management agreement and separate account
forms provided by the Custodian.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Beacon, in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities
execution fees charged by the Custodian, as applicable. The Adviser's recommended Custodian does not charge
securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the
terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for
                                                Beacon Financial Group, Inc.
                                           173 S Chillicothe Road, Aurora, OH 44202
                                 Phone: (216) 998-0100 | https://www.beaconfinancialgroup.com

mutual funds and other types of investments. The fees charged by Beacon are separate and distinct from these
custody and execution fees.

In addition, all fees paid to Beacon for investment advisory services are separate and distinct from the expenses
charged by mutual funds and ETFs to their shareholders., These fees and expenses are described in each fund’s
prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund
expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee.
A Client may be able to invest in these products directly, without the services of Beacon, but would not receive the
services provided by Beacon which are designed, among other reasons, to assist the Client in determining which
products or services are most appropriate for each Client’s financial situation and objectives. The Client should
review both the fees charged by the fund[s] and the fees charged by Beacon to fully understand the total fees to
be paid. Please refer to Item 12 – Brokerage Practices for additional information.

D. Termination
Either party may terminate the wealth management agreement, at any time, by providing written notice to the
other party. The Client may also terminate the wealth management agreement within five (5) business days of
signing the Adviser’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for
bona fide advisory services rendered to the point of termination and such fees will be due and payable by the
...

Item 7 – Types of Clients

Beacon offers investment advisory services to individuals, high net worth individuals, pension and profit-sharing
plans, trusts, and estates. Beacon generally does not impose a minimum relationship size.