Cassedy Financial Group Inc

ITEM 5 – Fees and Compensation
Fees charged by CFG for Asset Management Services are based on the value of the assets being
managed. Fees may be negotiated, but generally conform to the following schedule:

                                          Equity & Balanced
                                          Accounts
                     Account Asset Value              Quarterly          Annual
                                                      Fee                Fee
                     First $500,000                   0.375%             1.50%
                     Next $3,500,000                  0.25%              1.00%
                     Over $4,000,000                  0.1875%            0.75%

                                          Fixed Income
                                          Accounts
                     Account Asset Value              Quarterly          Annual
                                                      Fee                Fee
                     First $500,000                   0.1875%            0.75%
                       Next $3,500,000                0.125%             0.50%
                       Over $4,000,000                0.09375%           0.375%

All fees due to CFG are payable in advance. The fee will be based on the value of the assets on
the last day of the previous calendar quarter, as determined by the client’s custodian or another
independent third party, and will include cash balances. Fees will be prorated on the number of
days remaining in the quarter. If additional cash, securities, or other investments are deposited
during a quarter, the applicable fees are prorated for the days remaining in the quarter. An
adjustment will be made for any contributions or withdrawals during the quarter exceeding
$500,000. Such adjustments are reflected in the fee calculations for the following billing period.
Fees are computed at the account level, not at the household level. This method may result in
some accounts paying higher or lower fees. To value assets, related accounts may, at CFG's
discretion, be combined for fee calculation purposes.

Clients provide written authorization for the custodian to deduct CFG’s advisory fees from their
accounts and pay them directly to CFG. The custodian is required to issue monthly or quarterly
account statements that reflect all activity in the client’s account, including the amount of
advisory fees deducted. Clients should verify the accuracy of fees and other information on their
account statements and promptly inform CFG of any discrepancies. Fees can also be billed
directly to the client.

Fees are negotiable depending on the circumstances. CFG may waive, adjust, or rebate fees in
certain situations. Clients are advised that other clients with similar assets may pay different fees.
If, for any reason, the client decides to terminate the agreement with CFG, the client may do so
by written notice to CFG, and a pro-rata refund based on the time services were provided is
returned to the client. In addition to CFG's advisory fee, each mutual fund or ETF in which a
client's assets may be invested also charges its management fees and other expenses. The
specific fees and expenses are described in the respective fund’s prospectus.

Depending on the fund, a client may be able to invest directly in the shares of a mutual fund, with
or without incurring any sales or advisory management fees. When purchasing directly from fund
families, clients may incur a front or back-end sales charge. In that case, the client would not
receive the services provided by CFG, which are designed, among other things, to assist the client
in determining which mutual fund or funds are most appropriate to each client's financial
condition and objectives. Accordingly, the client should review both the fees charged by the funds
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. Please refer to the mutual fund's prospectus for
additional information regarding fees and expenses.

Mutual fund companies generally offer multiple share classes of the same fund. Share classes are
described in the mutual fund's prospectus. Each share class charges different fees and internal
expenses. Depending on the share class selected, fees and internal expense charges may be
higher or lower. Certain funds do not charge a transaction fee but have higher internal expenses.
Selecting funds with higher fees and expenses may adversely affect an account’s long-term
performance. CFG’s policy is to recommend that clients invest in the lowest-cost share class
available, based on the client’s individual needs. CFG typically recommends advisor- or
institutional-share classes, which usually have the lowest expense ratios and are more beneficial
than other share classes. Advisor or institutional share classes are generally available to investors

in qualified fee-based advisor programs or accounts that meet certain minimum investment
requirements.

When deemed appropriate for a client’s specific situation, CFG may, at times, recommend
selecting or holding a mutual fund share class that charges higher internal expenses than other
available share classes for the same family. CFG will conduct periodic testing of accounts to
ensure that the appropriate recommended share class has been selected for its clients. For share
classes transferred in from other institutions, CFG’s policy is to, as soon as practicable, evaluate
whether more beneficial share classes may be available for the client to exchange at no cost and
recommend that the client switches to a different lower-cost share class or may recommend
liquidating the existing mutual fund holdings, which could result in tax consequences, or the
client having to pay contingent deferred sales charges or other redemption fees.

ITEM 7 - Types of Clients

CFG works with high-net-worth individuals and families and offers bespoke portfolios, wealth
planning strategies, and money management. The firm also works with individuals, corporations,
trusts, pension plans, and other entities in retirement plans and consulting services. The minimum
account size is $250,000, although it may be waived at CFG’s discretion.