Birch Financial Group LLC

Item 5: Fees and Compensation
Please note, unless a Client has received this brochure at least 48 hours prior to signing an Advisory
Contract, the Advisory Contract may be terminated by the Client within five (5) business days of signing the
Advisory Contract without penalty or incurring any fees.

How we are paid depends on the type of advisory services we perform. Below is a brief description of our
fees, however, you should review your executed Advisory Contract for more detailed information regarding
the exact fees you will be paying. No increase to the agreed-upon advisory fees outlined in the Advisory

Contract shall occur without prior written Client consent. Please note, lower fees for comparable services
may be available from other sources.

Investment Management and Wealth Management Services

Our fee is based on a percentage of assets under management. The annualized fees for investment
management services are based on the following fee schedule:

                     Assets Under Management                     Annual Advisory Fee
                            Up to $750,000                               1.25%
                         $750,001 - $2,000,000                           0.90%
                       $2,000,001 - $12,000,000                          0.80%
                      $12,000,001 - $22,000,000                          0.65%
                      $22,000,001 - $32,000,000                          0.40%
                        $32,000,001 and Above                            0.05%

We charge a minimum fee of $5,000 annually. The fee is negotiable based upon the discretion of the firm
and will be clearly disclosed in the Advisory Agreement. The annual advisory fee is paid monthly in arrears
based on the average daily balance of the Client’s account(s). The advisory fee schedule is a blended tier. For
example, for assets under management of $1,500,000, a Client would pay 1.25% on the first $750,000 and
0.90% on the remaining balance. The monthly fee is determined by the following calculation: (($750,000 x
1.25%) + ($750,000 x 0.90%) ÷ 12 = $1,342.92.

In determining the advisory fee, we may allow accounts of members of the same household to be
aggregated. BFG relies on the valuation as provided by Client’s custodian in determining assets under
management. Our advisory fee is prorated for any partial billing periods occurring during the engagement,
including the initial and terminating billing periods. Clients may make additions or withdrawals from their
account at any time; however, BFG reserves the right to adjust our advisory fees on a pro-rata basis on
account of any such cash-flow transactions.

If BFG utilizes an Outside Manager, the above fee schedule does not include the Outside Manager’s fee. The
Outside Manager’s advisory fees, billing schedule, and payment procedures are set forth in their separate
written disclosure documents, advisory agreements, and/or the account opening documents of your
account Custodian. At no point will the combined fee charged to the Client exceed 2% of assets under
management.

   ●​ Altruist’s Model Marketplace fees range between 0.00% and 1.00% and are listed in the Model
      Marketplace Fee Schedule available at altruist.com/legal. Fees are automatically deducted from
      Clients’ accounts.
   ●​ SAVE and its affiliates receive certain compensation from participating partner banks for providing
      technology, data integration, and administrative services that support SAVE’s deposit and
      investment programs. SAVE’s Market Savings program does not charge a traditional advisory fee.
      Instead, Clients waive deposit interest, which funds the purchase of strategy-linked securities net of
      a 0.70% per annum platform fee which is paid to SAVE's affiliate. This fee is not deducted from client
      deposits.

Fees for held away account management are calculated and billed monthly or quarterly in arrears based on
the account value at the end of the billing period, except for accounts onboarded during a billing period,
which will be pro-rated based upon the number of days the account was managed during the billing period.

Fees are generally debited from your taxable accounts or billed directly. Since fees are paid in arrears, no
rebate will be needed upon termination of our services, but you will remain responsible for fees up through
the date of termination.

For fee-based annuities, BFG charges a fee based on a percentage of the annuity account value, not to
exceed 1.25%, payable monthly in arrears. We rely on the valuation as provided by Client’s custodian or
insurance carrier in determining the account value. BFG does not include the annuity account value(s) when
determining your investment management or wealth management asset breakpoints as listed in our fee
schedule above. Any transaction costs are separate and apart from our advisory fee and is borne by the
Client.

Ongoing Financial Planning

We charge a recurring fixed fee for Ongoing Financial Planning. Fees are paid monthly in advance, ranging
from $85 to $5,000. The fee range is dependent upon variables including the specific needs of the Client,
complexity, estimated time, research, and resources required to provide services to you, among other
factors we deem relevant. Fees are negotiable and the final agreed upon fee will be outlined in your
Advisory Contract. At no time do we require prepayment of $1,200 or more six months or more in advance
of rendering the services.

Project-Based Financial Planning

We charge either a fixed or hourly fee for Project-Based Financial Planning. Fixed fee rates will not exceed
$10,000. Our hourly rate is $400.

The fee range is dependent upon variables including the specific needs of the Client, complexity, estimated
time, research, and resources required to provide services to you, among other factors we deem relevant.
...

Item 7: Types of Clients
We provide financial planning and investment management services to individuals, high net-worth
individuals, pension and profit sharing plans, corporations and other businesses.

Our minimum account size requirement is $500,000 to open or maintain an account under our
management. BFG may reduce or waive the minimum account size requirement on a case-by-case basis.