BETO Financial Group LLC

ITEM 5 - FEES AND COMPENSATION
In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and
each service’s fees and compensation arrangement. The Client and BRWM’s Investment Advisory Agreement
will outline and agree upon the exact costs and other terms related to the Client’s Accounts.

INVESTMENT MANAGEMENT FEE

Our Firm offers investment management services for an annual fee based on the amount of assets under
management. Our maximum annual fee is 1.25%.
Our annual fee is reasonable in relation to (1) the services provided and (2) the fees charged by other investment
advisers offering similar services/programs.
Our annual fee is prorated and charged quarterly in advance based on the value of the Client’s assets under
management as of the close of business on the last business day of the previous quarter. Cash and cash
equivalents, including money market funds, are subject to the agreed-upon advisory fee. Clients should
understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash
equivalents, or money market funds, especially in low-interest rate environments.
Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client.
The investment advisory fees will be deducted from your account and paid directly to our Firm by the qualified
Custodian(s) of your account. The Client will authorize your account's qualified Custodian(s) to deduct fees from
the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be
shown on the monthly or quarterly statements provided by the Custodian. You should review your account
statements received from the qualified Custodian(s) and verify that appropriate investment advisory fees are
being deducted. The qualified Custodian(s) will not verify the accuracy of the investment advisory fees deducted.
We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. The investment
management agreement will outline the fee charged to a Client and any breakpoints based on the level of assets
managed. The fees are subject to change with prior written notice to the Client.
Our annual investment advisory fee may be higher or lower than that of other investment advisers that offer
similar services and programs. In addition to our compensation, you may incur charges imposed at the mutual
fund level (e.g., advisory fees and other fund expenses).
Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the days the
Client account was open during that quarter. Any prepaid, unearned fees will be refunded upon termination of
any account.

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         SUBADVISORY SERVICES

         The Firm primarily invests client assets in publicly traded securities, including equity and fixed income
         securities, exchange-traded funds (ETFs), mutual funds, and other liquid investment vehicles. This
         approach is consistent with the Firm's emphasis on portfolio transparency, liquidity, and cost efficiency.
         In certain limited circumstances, and where appropriate based on a client's investment objectives, risk
         tolerance, financial situation, and sophistication, the Firm may consider allocations to alternative
         investment strategies, including liquid alternative strategies. These strategies may be managed by
         third-party subadvisers, such as BlackRock or its affiliates ("BlackRock"), who are responsible for the
         day-to-day management of the applicable strategy.
         Clients investing in alternative strategies will generally pay fees and expenses charged by the
         underlying investment vehicle and/or the subadviser in addition to the advisory fees charged by the
         Firm. Such fees and expenses may include management fees, performance-based fees (if applicable),
         fund operating expenses, administrative fees, and other costs associated with the operation of the
         investment vehicle.
         The Firm does not receive compensation from BlackRock or other subadvisers for recommending their
         strategies unless otherwise disclosed. Clients considering an allocation to an alternative investment
         strategy should review the applicable offering documents and other disclosure materials to understand
         the investment strategy, associated risks, and all applicable fees and expenses in greater detail.

         LEGACY MANAGEMENT FEE

         Managed legacy positions are included within our Firm’s standard investment management fee and are
         outlined in the executed investment management agreement.

FINANCIAL PLANNING FEE

Our Firm provides financial planning services under a fixed or hourly fee arrangement. This arrangement charges
a mutually agreed-upon fee for financial planning services. Flat fees typically range from $1,000 - $5,000 and
hourly fees typically range from $75-$375 per hour depending on the scope and complexity of the services
provided.
Fees charged for our financial planning services are negotiable based upon the type of Client, the services
requested, the investment adviser representative providing advice, the complexity of the Client's situation, the
composition of the Client's account, other advisory services provided, and the relationship of the Client and the
investment adviser representative.
The amount of the fee for your engagement is specified in your financial planning agreement with us. At our
sole discretion, the Client may be required to pay the fee at the time the agreement is executed with our Firm;
however, our Firm does not require or solicit prepayment of more than $1,200 in fees per Client, six months or
more in advance. The fee is considered earned upon delivery of the financial plan, and any unpaid amount is
immediately due.
...

ITEM 7 - TYPES OF CLIENTS
Our Firm provides investment management, financial planning, consulting, and third-party portfolio
management to individuals, high-net-worth individuals, families, trusts, retirement plans, corporations, charitable
foundations, brokerage customers, and pension plans.
BRWM does not require a minimum account size to engage services.
Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client
arrangement with us.

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