Business-Owner Strategies Group LLC

Item 5 Fees and Compensation
We do not require or solicit prepayment of more than $1,200 per client, six months or more in advance,
for any service. Where appropriate, we have listed our standard minimum and maximum fees. All fees
discussed below are negotiable.

Financial Planning & Consulting Services
Comprehensive Financial Planning and Continuous Planning are fixed-fee offerings with the cost based
upon the scope and complexity of your financial situation. Our agreements for these services disclose
our fee, payment terms, and refund policy. Comprehensive planning fees are generally between $3,000
and $6,000, and our standard minimum fee is $1,500. We do not have a maximum fee. Continuous
Planning fees are based upon your Comprehensive Financial Planning fee and generally start at $50
per month up to a maximum of one twelfth (1/12) of your Comprehensive Financial Planning fee.

You may pay for Comprehensive Financial Planning with full or partial up-front payment and up to 50%
upon delivery, or by monthly installment at no additional cost. Continuous Planning is charged monthly,
in advance. We will not begin working on your plan until we have received initial payment.

Business-oriented Financial Planning Services are only provided on an hourly basis. Based upon the
complexity of the proposed scope of work, we will provide an estimate of the hours of effort required to
deliver our services and the hourly rate we will charge for such services. Our standard minimum hourly
fee is $150, and our maximum hourly fee is $450. The rate is based upon the IAR’s expertise and
experience. Our standard minimum fee for these services is $750.

When working on an hourly basis, you agree we may bill you for an additional number of hours if our
initial estimate is insufficient to complete the agreed-upon work. This additional number of hours will be
specified in the agreement. If we are unable to complete the services within the total hours, we will
advise you promptly and discuss options to modify the scope of the agreement or increase the fee
estimate. All changes in the scope of services or estimated fee will be documented in an amendment
signed by all parties. You may request a copy of a blank agreement to review by emailing us.

We may require you to pay at least 25% of the estimated cost of Business planning up front before we
begin work. You are welcome to pay the entire estimated cost. We will invoice you monthly for any
remaining costs on an as-earned basis. Upon termination of an agreement, we will refund any
unearned fee as may be applicable.

Business or Personal Financial Consulting Services are only provided on an hourly basis. Our standard
minimum hourly fee is $150, and our maximum hourly fee is $450 with a standard one (1) hour
minimum. We will bill you for our time upon the completion of the engagement.

Investment Management Services
We charge an asset-based fee for investment management services. Our agreement discloses our fee,
payment terms, and refund policy. Our investment management fee is negotiable and applies only to
Billable Assets.

Our standard minimum account size is $10,000. We may waive our account minimum on a case-by-
case basis depending on a client’s specific circumstances. Our standard minimum annual investment
management fee is the greater of 0.35% per year or $50, subject to the maximum fee described below.
Our maximum annual investment management fee is 2.00% per year for account balances less than or
equal to $1,000,000 and 1.25% per year for the portion of an account that is over $1,000,000, as shown
in the following table. Unless otherwise disclosed in writing, compensation for Managed Account
Providers is paid from the investment management fee charged under the agreement and does not
result in an additional advisory fee to you.

                         Annual Investment Management Fee Schedule

                  Billable Assets in Each Account             Maximum Annual Fee

                         The first $1,000,000                          2.00%

                    The amount over $1,000,000                         1.25%

For purposes of our investment management agreement, “Billable Assets” generally means all assets
in the account(s) we manage other than funds held in the primary cash position.

We charge investment management fees monthly, in arrears, based on the number of days in the
preceding calendar month. We calculate the fee using the Average Daily Balance (“ADB”) of Billable
Assets in each account during the billing period. We calculate ADB by summing the daily ending value
of Billable Assets in the account and dividing by the number of days in the month.

            Monthly Fee = (ADB × Applicable Annual Rate ÷ Days in the Year) × Days in Month

For purposes of this formula, “Applicable Annual Rate” means the annual fee rate stated in your
investment management agreement. Your agreement may state a single annual fee rate or a tiered fee
schedule that applies different annual fee rates to different levels of Billable Assets.

For partial months, we will pro-rate your fee for the portion of the month during which we provided
investment management services. Because investment management fees are billed monthly in arrears,
there will generally be no unearned investment management fees to refund upon termination. Upon
termination, we will calculate any final fee earned from the beginning of the current billing month
through the effective date of termination. We may deduct this final fee from your account(s) before
liquidation or transfer. If your account(s) are closed, transferred, or otherwise unavailable before we can
deduct the final fee, we may invoice you directly, and such invoice is payable upon receipt.

If we accept management of an account where our standard minimum fee based on the account size
would exceed 2.00%, we will reduce our fee to comply with the 2.00% limit.
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Item 7 Types of Clients
We offer investment advisory services to individuals (other than high net worth individuals), high net
worth individuals, families, trusts, pension, and profit-sharing plans (but not the plan participants),
charitable organizations, corporations, and small businesses. Our typical client has at least $250,000 in
investable assets.

Item 8 Analysis Methods, Investment Strategies & Risk of Loss
Investment Philosophy
Our investment philosophy generally begins with the view that long-term investment portfolios should
be growth-oriented unless a client’s needs support a different approach. We believe ownership of
productive securities, including equity and other growth-oriented investments, is generally essential to
long-term growth, purchasing power preservation, and wealth accumulation.

We tailor portfolios based on each client’s financial plan, objectives, risk tolerance, risk capacity, time
horizon, income needs, liquidity needs, tax sensitivity, restrictions, and other relevant factors. This does
not mean every account will be fully invested in growth assets. It means we begin with a preference for
long-term exposure to productive assets and then adjust when a client’s needs call for more liquidity,
income, stability, diversification, tax sensitivity, or risk reduction.

Investment Strategies
Our primary approach generally emphasizes diversified portfolios using mutual funds, exchange-traded
funds, model portfolios, separately managed account sleeves, individual securities where appropriate,
cash or cash equivalents, and Managed Account Providers. Our investment strategies may include

long-term purchases, asset allocation, strategic allocation, tactical adjustments, dollar-cost averaging,
rebalancing, model-based investing, separately managed account sleeves, and unified managed
account structures.

We may design, select, or use investment models for different purposes, including growth, income,
liquidity, risk reduction, tax sensitivity, or other client objectives. We may use different models or
portfolio sleeves within a single account or household. We may adjust allocations, replace investments,
replace models, or change Managed Account Providers when we believe doing so is appropriate.

Client accounts may hold individual stocks, bonds, mutual funds, exchange-traded funds, cash or cash
equivalents, separately managed account sleeves, model portfolios, or other securities consistent with
our investment process and disclosures. We typically do not rely on individual security selection as the
primary driver of portfolio construction.

Upon client request, and where appropriate, we may use or recommend covered-call or other options
strategies. Options strategies involve additional risks and are not suitable for all clients.