Cambridge Financial Group LLC

Item 5 – Fees and Compensation
As a fee-only financial planning firm, CFG does not sell insurance or investment products
and does not accept commissions because of any product recommendations. The firm
does not pay referral or finder's fees, nor does it accept such fees from other firms.
Fees are generally not negotiable.

There are legacy clients of CFG who have existing engagements with the Firm to provide
services which are no longer offered by the Firm and that have fees that are different
than those described below.

The fees and payment of our fees are below for each type of engagement.

Standard Retainer
Initial Year of Standard Retainer: $5,000 - $71,000
Renewal Years of Standard Retainer: $3,500 - $71,000

Fees are calculated based on the client(s) total income, investible assets, and overall
complexity of their financial situation. Total income includes W-2 wages, social security
income, pension income, net profits from self-employment (Schedule C), 50% of rents
collected (Schedule E), and K-1 distributions. Excluded from income are Schwab income
and IRA distributions. Investible assets include assets such as: the assets designated by
you to be subject to our management; Retirement Accounts (401Ks, IRAs, Roth); held
away retirement accounts; employee stock purchase program assets; vested stock
options; and, cash savings. Advance written notice is provided to a client before any
change in the fee. Retainer fees are paid quarterly in advance.

Clients authorize us to deduct our fee directly from their accounts held at an
independent custodian. In the event that we cannot directly deduct our fee from a
client’s accounts or if a client elects to pay our fee directly, we will invoice them for our

fee as it becomes due and payable. When payment is made directly, we accept payment
by check or credit card in our sole discretion.

Add-ons, credits, and miscellaneous adjustments: A charge of $300 is assessed for each
amended tax return prepared, if applicable. A charge of up to $300 per return is
assessed for additional tax returns prepared for dependents of the client. Credits and
miscellaneous adjustments may be applied if the client has an adequate estate plan (will
or trust) in place, or for other reasons, as appropriate. Any credits or adjustments will
be determined at CFG’s sole discretion.

Edge Ahead Agreement
For services under an Edge Ahead Agreement, CFG charges an initial fee and an annual
fixed fee for services under this Agreement. CFG’s charges an initial fee in the form of a
$1,500 charge for a financial review. In addition to the initial fee, CFG charges an annual
fee of 1.5% of Client’s gross income, (with a minimum annual ongoing fee of $3200),
which is payable quarterly, in advance. Clients authorize us to deduct our fee directly
from their accounts held at an independent custodian. In the event that we cannot
directly deduct our fee from a client’s accounts or if a client elects to pay our fee
directly, we will invoice them for our fee as it becomes due and payable. When payment
is made directly, we accept payment by check or credit card in our sole discretion. If
Client is comprised of more than one person, the fee is based upon the gross income of
both persons. If a client completes an Edge Ahead Financial Review and then enters into
the Edge Ahead Agreement, CFG will apply a discount of $500 to the Client’s first annual
fee.

If a client wishes to upgrade to the Standard Retainer agreement, they may receive
credit toward their Standard Retainer fees for all amounts paid within the prior twelve
months.

Standard Retainer Financial Review
The fee for a Financial Review is $2000. A $250 deposit, which will be applied to the fee,
is due upon booking an appointment with Advisor, with the remainder of the fee due
and payable at the time of the appointment with Advisor. Advisor accepts payment by
check or credit card. The deposit is refundable only if cancelled 30 days prior to your
appointment, less a $100 processing fee. Clients who enter into an agreement for CFG’s
Standard Retainer services within thirty days of completion of the Standard Retainer
Financial Review will receive full credit towards the Standard Retainer services’ fee for
the amount paid for the Standard Retainer Financial Review.

Edge Ahead Financial Review
The Edge Ahead Financial Review fee is $1,500. A $250 deposit, which will be applied to
the fee, is due upon booking with the remainder due and payable at the time of the
appointment with the Advisor. Advisor accepts payment by check or credit card. The
deposit is refundable only if cancelled 30 days prior to your appointment, less a $100
processing fee. For clients that enter into CFG’s Edge Ahead Agreement within thirty
days of the completion of the Edge Ahead Financial Review, a $500 discount will be
applied to the Edge Ahead Agreement fee.

Sub-Advisor (Asset Dedication) Fee
When the account, or a portion of the account is managed by Sub-Advisor, Sub-Advisor
will separately deduct its fee from the client’s account. The Sub-Advisors’ fees are billed
quarterly, in advance, calculated based upon the value of the Assets on the last day of
the preceding quarter. The fee for Sub-Advisor is in addition to the fee charged by CFG.
The Sub-Advisor fees are described in the Sub-Advisor’s disclosure documents provided
at the time of engagement of the Sub-Advisor and in the agreement that clients sign
with the Sub-Advisor.

Other Fees and Expenses
In addition to CFG’s fee, clients may incur certain other fees and charges to implement
CFG’s investment recommendations. Additional charges and fees will be imposed by
custodians, brokers, third parties such as fees charged by managers, custodial fees,
deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic
fund fees, and other fees and taxes to a client. Mutual funds and exchange traded funds
...

Item 7 – Types of Clients
CFG provides its services primarily to individuals and families, including high net worth
individuals. We strive to work with people from all different walks of life. As such, we
maintain no minimum net-worth or asset requirements.