Beacon Global Advisor Network LLC

Item 5 - FEES AND COMPENSATION

General Disclosure

As stated under Item 4, BGAN consists of a group of independent contractors who are registered or
licensed with BGAN as Advisory Representatives offering the advisory services and programs
outlined in this Form ADV Part 2A. While no Advisory Representative can exceed the fees
schedules outlined below, each Advisory Representative can negotiate and charge an advisory
fee based on the fee schedules below. The amount of the fee is not commensurate with
education or tenure in the industry.          Therefore, there is another BGAN Advisory
Representative who charges more or less than the fee you are being charged for similar
services.

Your Advisory Representative has a direct interest in the fee charged to you since BGAN will
pay a portion of the advisory fee charged to you to your Advisory Representative.

The advice provided by Advisory Representatives often involves recommendations to invest assets
according to an asset allocation primarily involving mutual funds, exchange traded funds, stocks,
bonds, alternative products and other types of securities. Recommendations include investing into
various share classes. Different share classes of securities involve different fee structures and
internal costs. Institutional shares are often the least expensive from an internal cost perspective;
however, the transaction fees can be higher. It is important you understand the internal cost structure
of the various share classes. Additional information about costs and the various share classes can be
found in the prospectus.

Registered investment company securities such as mutual funds, and variable products offer the
securities in various share classes. Different share classes are priced differently and share classes other
than institutional share classes will involve higher internal costs that over time will cost you more.
Institutional share classes often have higher trading costs. A client needs to consider the amount
being invested and the length of anticipated holding to make a decision as to the share class most
suitable to the client. Representatives will select the lowest share class funds available and
appropriate to the situation. However, in selecting the lowest share class, trading costs are
sometimes higher. Selecting the lowest share class appropriate to the situation does not imply the

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Part 2A

                               Beacon Global Advisor Network, LLC

lowest cost share class. Instead, your Advisory Representative will select what they deem lowest
cost for the situation. Representatives consider the anticipated holding period, cost structure, and
administrative and transaction costs associated with selecting a share class. However, there is no
way to predict the future and there could be occasions where a holding is liquidated sooner or held
longer resulting in higher costs to the client. Additional information about share classes can be
found in an Investor Alert issued by the Securities and Exchange Commission at
https://www.investor.gov/additional-resources/news-alerts/alerts-bulletins/investor-bulletin-mutual-
fund-classes and
https://www.investor.gov/additional-resources/news-alerts/alerts-bulletins/investor-bulletin-mutual-
fund-classes. Additionally, the SEC and FINRA provides investor information at www.sec.gov and
www.finra.org.

It is important to note that institutional share classes for UK pension assets are often not available
unless the client meets the minimum investment amount which is often high.

Asset Management Services

A.   Fee Schedules
     Fees are negotiable and are not based on a share of capital gains upon or capital appreciation of
     the funds or any portion of the funds.

     You may make additions to the Account or withdrawals from the Account. Additional assets
     deposited into the Account after it is opened will be charged a pro-rata fee based upon the number
     of days remaining in the then current calendar month. Additionally, partial withdrawals
     from the account will result in a prorated portion of the fee being credited to the Account. Fee
     adjustments for inflows and outflows in accounts charged based on the average daily balance will
     be factored into the monthly fee using the average daily value of the account. No fee adjustments
     will be made for Account appreciation or depreciation.

Advisor Directed Managed Program Fee Schedule

                       Fee Breakpoint Levels         Advisor Directed
                                                       Maximum
                                                      Advisory Fee*
                          Up to $5,000,000                1.35%
                          Over $5,000,000                 0.85%

     *Advisor Directed managed accounts do not pay a custodian asset-based fee. Instead, the
     client pays custodian transaction charges in accordance with the custodian’s transaction fee
     schedule for each transaction. The custodian offers some securities, a limited number of open-
     ended mutual funds and exchange traded fund, at no transaction fee. However, the security
     positions will be subject to a holding period or the client will incur early redemption fees
     which could be substantial in comparison to a transaction fee. All fees are negotiable at our
     discretion.

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Part 2A

                                  Beacon Global Advisor Network, LLC

Your Advisory Representative will have the discretion to determine:
       • How the fee will be determined
           Option A: A monthly fee will be calculated based on the average daily value of each
           account registration under management (e.g., you have four accounts, therefore, each
           account is charged a fee based on the average daily account value based on the
...

Item 7 - TYPES OF CLIENTS

BGAN’s services are geared toward individuals both high net worth (i.e., clients with a net worth of
$2,200,000, exclusive of primary residence or has $1,100,000 under management with BGAN) and
other than high net worth. Additionally, BGAN’s services are suitable for businesses, pension and
profit-sharing plans, and trusts. Furthermore, BGAN offers tailored advisory services involving
pension transfer services to British expatriates living in the United States as further described in Item
4 and Item 5 above.