Bennington Financial Planning Group

Fees & Compensation
Clients are charged for services at a standard rate. Fees are due at the completion of the
work. The current billing rate is $225 / hour. Other compensation includes fees based on
the percentage of assets under management.

Investment management clients are charged within a graduated percentage fee-based
model, based on the value of their assets, billed on a quarterly basis. While fees are
determined on a negotiated basis, they will not exceed 1.5% annually on the first $500,000;
1.25% on the second $500,000, and 1% on assets over $1,000,000. Accounts are held at
Raymond James Financial and trades are executed at the firm’s cost. D.B. McKenna & Co.,
Inc., the affiliated broker/dealer recommended to all BFPG clients (further discussed in a
section below), receives no commission.

All fees are negotiable.

Payment of Fees

Payment of Investment Supervisory Fees

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization or clients can opt to pay via check. Fees are paid quarterly in arrears.

Payment of Financial Planning Fees

Hourly Financial Planning fees are paid via check reflecting work completed.

Clients Are Responsible 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 BFPG. Please see page 12 of this brochure regarding
broker/custodian.

Prepayment of Fees

Clients are not expected to prepay any advisory fees.

Outside Compensation For the Sale of Securities to Clients

D.B. McKenna & Co., Inc. is the brokerage firm recommended to all BFPG clients utilizing
the company’s Investment Management Services. These are affiliated firms under common
ownership. Trades are executed at the brokerage firm’s cost, and no net commission is
retained. This relationship is discussed with the client. In addition, advisors are held to
the "fiduciary standard" as defined by the Certified Financial Planning Board of Standards.
This is an ethical responsibility of advisors holding the Certified Financial Planner®
designation, and is a standard to which all other firm employees must adhere.

       Performance-Based Fees & Side-by-Side Management

BFPG does not accept performance-based fees or other fees based on a share of capital
gains on or capital appreciation of the assets of a client.

Types of Clients
BFPG generally provides investment advice and/or management supervisory services to
the following types of clients:

   -   Individuals

   -   Trusts

   -   Estates

   -   Charitable Organizations

   -   Businesses

        Methods of Analysis, Investment Strategies, & Risk of
                         Investment Loss
Methods of Analysis and Investment Strategies