Capstone Wealth Management Group Inc

Item 5           Fees and Compensation

Our annual fees for Individual Portfolio Management accounts are based upon a percentage of assets under
management and generally range from 0.50% to 1.25%.

You may pay custodial fees for account transfers, for example, as well as other custodial fees. In addition
to the investment advisory fee, when mutual funds are implemented, accounts will incur other charges
including 12b (1) fees and other mutual fund annual expenses described in the fund’s prospectus.
Exchange Traded Funds (ETF’s) will also charge an annual expense or other fee listed in the ETF’s
prospectus. Capstone Wealth Management Group, Inc. does not receive any compensation from ETF’s or

mutual funds, including 12b (1) fees. These fees will always be disclosed prior to any investment prior to
implementation. We will not invest in mutual funds that are “No Transaction Fees”, as they are more
expensive to the Investor.

Annualized Fees:

From                          To             Per Year

Up to                         $1,000,000     1.25%

$1,000,001                    $2,000,000     1.00%

$2,000,001                    $5,000,000     0.75%

$5,000,001                    $10,000,000 0.65%

Above                         $10,000,000 0.50%

Annualized fees are calculated at a family or company level so all assets in that group are aggregated for
purposes of determining total Assets under Management for fee calculation. The aggregate total
determines the “flat” fee in the above schedule. Example, if the accounts total $500,000, that total pays
the 1.25% fee. We do not use a “tiered” fee schedule.

An Advisors’ family may be charged a lower fee than listed on the fee schedule. This is up to the
discretion of the Advisor and implemented only after approval by the Principal and/or the Chief
Compliance Officer.

Additionally, Capstone Wealth Management Group, Inc. may charge a different fee based on a case-by-
case analysis due to extenuating circumstances of the client. This decision is at the sole discretion of
Capstone Wealth Management Group, Inc..

Fees are billed on a quarterly basis and are paid in advance based on the value of the account on
the last day of the previous quarter. Fees are automatically deducted from the account (the
client can consolidate the fee billing into one account). The fees will be included in the
statements sent by Pershing, LLC, the custodian, on a quarterly basis.

                                              Financial Planning

Capstone Wealth Management Group, Inc.'s Financial Planning fee is determined based on the nature of the
services being provided and the complexity of each client’s circumstances. All fees are agreed upon prior to
signing a contract with the client. Fees are calculated in two ways.

One, our Financial Planning fees are calculated and charged on an hourly basis, ranging from $95 to $295
per hour. Although the length of time it will take to provide a Financial Plan will depend on each client's
personal situation, we will provide an estimate for the total hours at the start of the advisory relationship.

Or two, our Financial Planning fees are calculated and charged on a fixed fee basis, typically ranging from
$500 to $7,000, depending on the specific arrangement made with the client.

We may request a retainer upon completion of our initial fact-finding session with the client; however,
advance payment will never exceed $500 for work that will not be completed within six months. The balance
is due upon completion of the plan.

Financial Planning Fee Offset: Capstone Wealth Management Group, Inc. reserves the discretion to
reduce or waive the hourly fee and/or the minimum fixed fee if a financial planning client chooses to
engage us for our Portfolio Management Services.

The client is billed upon presentation of the plan for any remainder after deducting any retainer fees.

                                          GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be cancelled at any time, by either
party, for any reason, upon receipt of 30 days written notice. As disclosed above, certain fees are paid in
advance of services provided. Upon termination of any account, any prepaid, unearned fees will be
promptly refunded once the assets are no longer the responsibility of Capstone Wealth Management
Group, Inc. and have been transferred by our custodian. In calculating a client’s reimbursement of fees, we
will pro rate the reimbursement according to the number of days remaining in the billing period.

Mutual Fund Fees: All fees paid to Capstone Wealth Management Group, Inc. for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to their
shareholders. These fees and expenses are described in each fund or ETF’s prospectus. These fees will
generally include a management fee, other fund expenses, and a possible distribution fee. A client could
invest in a mutual fund or ETF directly, without our services. In that case, the client would not receive the
services provided by our firm which are designed, among other things, to assist the client in determining
which mutual funds, or ETFs are most appropriate to each client's financial condition and objectives.
Accordingly, the client should review both the fees charged by the funds/ETFs and our fees to fully
understand the total amount of fees to be paid by the client and to thereby evaluate the advisory services
being provided.

ERISA Accounts: Capstone Wealth Management Group, Inc. is deemed to be a fiduciary to advisory clients
that are employee benefit plans or individual retirement accounts (IRAs) pursuant to the Employee
Retirement Income and Securities Act ("ERISA"), and regulations under the Internal Revenue Code of 1986
(the "Code"), respectively. As such, our firm is subject to specific duties and obligations under ERISA and the
...

Item 7         Types of Clients
Capstone Wealth Management Group, Inc. provides advisory services to the following types of clients:

   •   Individuals (other than high net worth individuals)

   •   High net worth individuals

   •   Corporations or other businesses not listed above

   •   Retirement accounts