Capital Advisory Group Inc

FEES AND COMPENSATION
FINANCIAL PLANNING SERVICES

Recognizing that each Client situation is unique, CAG is able to provide and charge for its
financial planning services using various methods as described below. Clients may select the
most appropriate method depending on their personal circumstances, the desired level of
individual service or attention and the duration or length of CAG’s involvement in the process.

1) Hourly-rate Basis. A Client may elect to engage CAG on an hourly basis to perform specific
   tasks including, but not limited to, analysis of a single area of the Client’s financial affairs
   such as retirement planning or estate planning. CAG’s staff billing rates range from $80 to
   $350 per hour depending on the complexity of the work, the degree of specialized knowledge
   and the level experience required. Prior to beginning any financial planning engagement, CAG
   will provide the estimated total costs of the work requested and describe in writing the

     Form ADV Part 2A: Investment Advisor Brochure and 2026
                             Client Disclosure Document
   services to be rendered. These costs are subject to adjustment and any changes in the
   estimated costs will be communicated to the Client. If the Client subsequently changes the
   scope or nature of the work or if additional work is required based on CAG’s determination
   we will discuss these issues with the Client and make sure we are in agreement prior to
   continuing the work. Clients are free to stop the work requested or change the scope of
   the work required if these costs are unacceptable or an agreement cannot be reached. In
   such cases CAG will work to make sure the Client has received all of the services they
   paid for or refund all or a portion of the Clients planning fees in accordance with the
   written terms of our Financial Planning Agreement.

   CAG may collect a portion of the estimated fee at the time the engagement or work begins and
   will invoice Client for the balance of the work at the time the completed analysis is presented
   or during the engagement if it determines that is more appropriate.

2) Fixed-fee Basis. In situations where a comprehensive, written financial plan is recommended
   or requested, CAG may suggest that such work be performed on a fixed-fee or retainer basis.
   CAG uses the following schedule, based on income and net worth, to estimate the appropriate
   fee. CAG’s minimum fee for a comprehensive plan is $2,000. In some cases one-half of the
   fee is due upon commencement of the work, with the balance due upon presentation of the
   final plan.

                     CAG GUIDELINE FOR ESTIMATING COMPREHENSIVE
                            CLIENT FINANCIAL PLANNING FEES

   Client’s Income                Client’s Net worth                Estimate of Fee

   $100,000                         to $350,000                         $3,000
   $100,001 to $150,000             to $500,000                         $3,500
   $150,001 to $200,000             to $750,000                         $4,000
   $200,001 to $300,000             to $1,000,000                       $5,000
   $300,001 to $400,000             to $1,500,000                       $6,000
   $400,001 to $500,000             to $2,000,000                       $7,500
   Above $500,000                 above $2,500,000                     Negotiated

   Where a Clients income and net worth are under different ranges, an estimate might be the
   average of the two fees.

   The actual fee will be based on an analysis of each Clients situation and the time
   required by the financial planning professional(s) in each case. These costs are subject to
   adjustment, and changes in estimates will be communicated to the Client if the Client
   subsequently changes the scope or nature of the work or if additional work is required based
   on CAG’s determination. Clients may suspend the work requested or change the scope of

      Form ADV Part 2A: Investment Advisor Brochure and 2026
                              Client Disclosure Document
   the work required if; the revised cost is unacceptable or a new agreement cannot be
   reached. In such cases CAG will work to make sure the Client has received all of the
   services they paid for or refund all or a portion of the Clients planning fees in
   accordance with the written terms of our Financial Planning Agreement.

3) Financial Advisory Service. CAG also offers on-going financial advisory and planning
   services on a retainer basis. The purpose of this service is to offer regular discussion and
   reviews of a Client’s financial matters and Client’s financial plan on an as requested or as
   needed basis. This could include Client balance sheet updates, income tax and cash flow
   projections, (as needed for planning) a written review and recommendations, if requested.
   Although this retainer agreement may renew annually at the same rate as initially
   agreed, the Client or CAG is free to discontinue this service at any time. These costs are
   subject to adjustment, and changes in estimates will be communicated to the Client if the
   Client subsequently changes the scope or nature of the work or if additional work is required
   based CAG’s determination. Clients are free to suspend the work requested or change the
   scope of the work required and a new agreement will be signed outlining the terms and
   responsibilities of all parties. If an agreement is terminated or discontinued by either
   party CAG will make sure the Client has received all of the services they paid for or
   refund all or a portion of the Clients planning fees in accordance with the written terms
   of our Financial Planning Agreement.

Under this arrangement, Client has access to CAG’s financial advisory services for the duration
of the agreement based on the terms of the original agreement and the estimated levels of service
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