Brian Low Financial Group LLC

ITEM 5 - FEES AND COMPENSATION
Investment Management Fees and Compensation
Our Firm charges an advisory fee as compensation for providing Investment Management
services on client accounts. These services include advisory services, investment
supervision, and other account-maintenance activities. Our custodian charges custodial
fees, redemption fees, retirement plan and administrative fees or commissions. Financial
planning services by our Firm are included in advisory fees outlined below. See Additional
Fees and Expenses below for additional details.

The Advisory Fee will be calculated and paid to the Advisor each calendar month or quarter
in arrears based on the average daily value of the Portfolio during the calendar quarter. In
the event of termination, any fees due to the Advisor will be deducted from the Client’s
account prior to termination. The specific billing methods will be agreed to on the executed
advisory agreement set forth in Appendix A.

The market value will be determined as reported by the Custodian. Calculations are made
as follows:
   “Average Daily Balance of the prior calendar month or quarter” X (“Annual Advisory
                      Fee/4”) = Monthly or Quarterly Advisory Fee
Our Firm’s advisory fee schedule is as follows:

               $0 to $999,999                                  1.25%       annually
               $1 million and $1.99 million                    1.00%       annually
               $2 million and $2.99 million                    0.90%       annually
               0ver $3 million                                 0.75%       annually

We may negotiate a lower advisory fee or have the right to waive the minimum fee. The
specific advisory fees are set forth in your Investment Advisory Agreement. Fees may vary
based on the size of the account, complexity of the portfolio, extent of activity in the
account or other reasons agreed upon by us and the client. In certain circumstances, our
fees and the timing of the fee payments may be negotiated.

Unless otherwise instructed by the Client, we will aggregate related client accounts for the
purposes of determining the account size and annualized fee. The common practice is
often referred to as “householding” portfolios for fee purposes and may result in lower
fees than if fees were calculated on portfolios separately. Our method of householding
accounts for fee purposes looks at the overall family dynamic and relationship. When
applicable and noted in the Investment Management Agreement, concentrated stock
positions may also be excluded from the fee calculation.

            Brian Low Financial Group, LLC - 4463 Bluebonnet Blvd. Suite B Baton Rouge, LA 70809
                                          FORM ADV 2A Brochure

The independent qualified custodian holding your funds and securities will debit your
account directly for the advisory fee and pay that fee to us. You will provide written
authorization permitting the fees to be paid directly from your account held by the
qualified custodian. At our discretion, you may pay the advisory fees directly to our Firm
by check. Further, the qualified custodian agrees to deliver an account statement to you
on a quarterly basis indicating all the amounts deducted from the account including our
advisory fees.

Either party giving written or verbal notice to the other may cancel the Investment Advisory
Agreement at any time for any reason. Notice given by the client shall be effective upon
actual receipt by BLFG at the address specified on the Investment Advisory Agreement or
the then current address. The management fee will be pro-rated to the date of
termination, for the month or quarter in which the cancellation notice was given and the
unearned fee billed to your account as indicated in your Agreement. Upon termination,
you are responsible for monitoring the securities in your account, and we will have no
further obligation to act or advise with respect to those assets. In the event of client’s death
or disability, our Firm will continue management of the account until we are notified of
client’s death or disability and given alternative instructions by an authorized party.

In no case are our fees based on, or related to, the performance of your funds or
investments.

Financial Planning Fees
Financial Planning services are typically included in the investment management fee
described above.

Sub-advisory or Third-Party Money Manager (“TPMM”) Fees
Under such arrangements where our Firm elects to utilize a sub-advisor/TPMM and
depending on the contract with our Firm, the total advisory fee may be collected from the
custodian by our Firm or the independent TPMM. This total fee includes our Firm’s portion
of the investment advisory fee as well as the TPMM fee. Total fees for clients utilizing a
sub-advisor/TPMM will not exceed 1.25%. Fees and billing methods are outlined in each
respective TPMM’s Brochure and Advisory Contract.

The Client pays an on-going fee directly to the TPMM based upon a percentage of assets
under management with respect to each TPMM. You will receive disclosure of all fees by
the TPMM, which include the terms of the compensation arrangement and a description
of the compensation paid, at the time of signing an advisory agreement with the TPMM.
The minimum account size for will vary from TPMM to TPMM. All such minimums will be

            Brian Low Financial Group, LLC - 4463 Bluebonnet Blvd. Suite B Baton Rouge, LA 70809
                                          FORM ADV 2A Brochure

disclosed in the respective TPMM’s Brochure. We may have the ability to negotiate such
minimums for you.

You may terminate your relationship in accordance with the respective TPMMs’ disclosure
documents. We may recommend you terminate the relationship with a TPMM. Factors
involved in the termination of a TPMM may include a failure to adhere to their stated
management style or your objectives, a material change in the professional staff of the
...

ITEM 7 - TYPES OF CLIENTS
We provide investment advice to individuals, high net individuals, corporations, and trusts.
We have no minimum initial account value for opening an account with our Firm.