CBG & Company Inc

Item 5 Fees and Compensation

Our fee for portfolio management services is based on a percentage of your assets we manage and is
set forth in the following fee schedule:

                       Account Size                       Annualized Fee**
                        0 - $1,000,000                        1.00%
                       Over $1,000,000                         0.90%

**In certain circumstances, we will charge an annualized fee of 1.25% for accounts which are valued
below $100,000.

Our annual portfolio management fee is billed and payable quarterly in arrears based on the value of
your account on the last day of the quarter. Inflows and outflows during the quarter will be prorated
and charged for the number of days the funds were in the account during the quarter.

If the portfolio management agreement is executed at any time other than the first day of a calendar
quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the quarter for which you are a client. Our advisory fee is
negotiable, depending on individual client circumstances.

At our discretion, we will 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.

Our fees for asset management of plan assets will be according to our portfolio management fee
schedule as listed above. The fees are negotiable and may be lower for non-discretionary services.

We charge an hourly fee between $200 and $300 for financial planning services which shall be due
and payable upon completion of the services rendered. Alternatively, we will charge a fixed fee
ranging between $2,000 and $8,000. This cost may vary based on the time spent and the complexity
of the services to be provided. Fees may be charged in advance of the services rendered, upon
completion of the services rendered or a combination thereof. Fees and fee paying arrangements are
negotiable and will be based on the scope and complexity of the services to be provided. An estimate
of the total time/cost will be determined at the start of the advisory relationship. In limited
circumstances, the cost/time will exceed the initial estimate. In such cases, we will notify you and
request that you approve the additional fee. We will not require prepayment of a fee more than six
months in advance and in excess of $1200.

You may terminate the financial planning/pension consulting agreement by providing 30-days written
notice to our firm. You will incur a pro rata charge for services rendered prior to the termination of the
agreement. If you have pre-paid advisory fees that we have not yet earned, you will receive a prorated
refund of those fees.

You may terminate the portfolio management agreement upon 30-days' written notice to our firm. You
will incur a pro rata charge for services rendered prior to the termination of the portfolio 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.

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 custodian through whom 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.

Compensation for the Sale of Insurance Products
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 may have a
financial incentive to recommend insurance products. However, you are under no obligation,
contractually or otherwise, to purchase insurance products through any person affiliated with our firm.

Item 7 Types of Clients

We offer investment advisory services to individuals, high-net worth individuals, and pension and profit-
sharing plans.

In general, we require a minimum of $100,000 to open and maintain an advisory account. At our
discretion, we will waive this minimum account size. For example, we will waive the minimum if you

appear to have significant potential for increasing your assets under our management. We will 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.