Capital Financial Group Inc

Item 5 Fees and Compensation
Financial Planning and Consulting Services

Financial planning is offered to clients at no additional charge.

Investment Management Services
Our fee for Investment management services is based on a percentage of the assets under
management in your account and is set forth in the following annual fee schedule:

Actively Managed ETF, Mutual Fund, Equity, and/or
Options Strategies
Custodian Reported Value Annual Management Fee
First $250,000            1.20%
$250,001 – $500,000       1.10%
$500,001 – $1,000,000     1.00%
$1,000,001 – $2,500,000   .90%
$2,500,001 – $5,000,000   .70%
$5,000,001 +              .50%

Cash Management, Bonds, Fixed Annuities, and/or
Non‐Strategy Legacy Holdings
Custodian Reported      Annualized Management
Value                   Fee
All                     .25%

Our annual investment management fee is billed and payable, quarterly in advance, based on the
custodian reported value of the account as of the last business day of previous calendar quarter. The
initial quarter's management fee will be prorated for the time services will be rendered during the initial
calendar quarter.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian.

    • The qualified custodian agrees to send you a statement, at least quarterly, indicating all
      amounts dispersed from your account including the amount of the advisory fee paid directly to
      our firm.

You may terminate the Investment Management Agreement upon written notice. You will incur a pro
rata charge for services rendered prior to the termination of the Investment Management Agreement,
which means you will incur advisory fees only in proportion to the number of days in the quarter for
which you are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive
a prorated refund of those fees.

Pension Consulting Services
Our advisory fees for these customized services will be negotiated with the plan sponsor or named
fiduciary on a case-by-case basis.

You may terminate the retirement plan consulting services agreement upon written notice to our firm.
You will incur a pro rata charge for services rendered prior to the termination of the agreement, which
means you will incur advisory fees only in proportion to the number of days in the quarter for which you
are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive a prorated
refund of those fees.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You will also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through which your account transactions are executed. We do not share
in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or custodian. To
fully understand the total cost you will incur, you should review all the fees charged by mutual funds,
exchange traded funds, our firm, and others. For information on our brokerage practices, please refer
to the "Brokerage Practices" section of this Disclosure Brochure.

Persons providing investment advice on behalf of our firm are licensed as independent insurance
agents. These persons will earn commission-based compensation for selling insurance products,
including insurance products they sell to you. Insurance commissions earned by these persons are
separate and in addition to our advisory fees. This practice presents a conflict of interest because
persons providing investment advice on behalf of our firm who are insurance agents have an incentive
to recommend insurance products to you for the purpose of generating commissions rather than solely
based on your needs. You are under no obligation, contractually or otherwise, to purchase insurance
products through any person affiliated with our firm.

In connection with the transition of Capital Financial Group’s clients to the LPL Financial custodial
platform, we will receive financial transition support from LPL Financial in the form of a 7-year
forgivable loan that may be forgiven over time depending on the length of tenure with LPL
Financial. Forgiveness of the loan, in whole or in part, is conditioned on the amount of business we
engage in with LPL Financial, including, but not limited to, the amount of client assets maintained with
LPL Financial and using LPL Financial as the custodian for a certain percentage of all new client

accounts. As such, we have a financial incentive to recommend clients maintain their accounts with
LPL Financial.

Any material conflicts of interest between you and our firm, or our employees are disclosed in this
Disclosure Brochure. If at any time, additional material conflicts of interest develop, we will provide you
...

Item 7 Types of Clients
We offer investment advisory services to individuals, pension and profit sharing plans, trusts, estates,
charitable organizations, corporations, and other business entities.

There is an account minimum of $250,000, which may be waived by us in our discretion.

We may also combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts to meet the stated minimum.