Centerpoint Advisory Group LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

Portfolio Management Fees for services do not exceed 1.35% per year based on the assets
under management. The advisory fee is calculated using the value of the assets in the
Account on the last business day of the prior billing period.

These fees are generally negotiable, and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of CAG's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract generally
with 30 days' written notice.

Pension Consulting Services Fees

The rate for pension consulting services is between $0 and $100,000 or between 0 and 1%
annually of the plan assets for which CAG is providing such consulting services. These
fees are negotiable.

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $0 and $100,000.

Clients may terminate the agreement without penalty, for full refund of CAG’s fees,
within five business days of signing the Financial Planning Agreement. Thereafter, clients
may terminate the Financial Planning Agreement generally upon written notice.

Selection of Other Advisers Fees

CAG may direct clients to third-party investment advisers. CAG will be compensated via
a fee share from the advisers to which it directs those clients. The fees shared are
negotiable and will not exceed any limit imposed by any regulatory agency. The notice of
termination requirement and payment of fees for third-party investment advisers will
depend on the specific third-party adviser selected.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in advance.

Payment of Financial Planning Fees

Financial planning fees are paid via check.

Fixed financial planning fees are paid 50% in advance, but never more than six months in
advance, with the remainder due upon presentation of the plan.

Payment of Pension Consulting Services Fees

The specific manner in which fees are charged by CAG is established in the client’s written
agreement with CAG, as the method will vary depending upon the Plan Sponsor.

Payment of Selection of Other Advisers Fees
The timing, frequency, and method of paying fees for selection of third-party managers
will depend on the specific third-party adviser selected and will be disclosed to the
client prior to entering into a relationship with the third-party advisor.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by CAG. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

CAG collects fees in advance. Refunds for fees paid in advance but not yet earned will be
refunded on a prorated basis and returned within fourteen days to the client via check, or
return deposit back into the client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
the fees collected in advance minus the daily rate* times the number of days elapsed in
the billing period up to and including the day of termination. (*The daily rate is calculated
by dividing the annual asset-based fee rate by 365.)

Fixed fees that are collected in advance will be refunded based on the prorated amount of
work completed at the point of termination.

       E. Outside Compensation For the Sale of Securities to Clients

       Certain investment adviser representatives of CAG are registered representatives of LPL
       Financial and insurance agents and in these roles, accepts compensation for the sale of
       investment products to CAG clients.

       1. This is a Conflict of Interest

           Supervised persons may accept compensation for the sale of investment products,
           including asset based sales charges or service fees from the sale of mutual funds to
           CAG clients. This presents a conflict of interest and gives the supervised person an
           incentive to recommend products based on the compensation received rather than on
           the client’s needs. When recommending the sale of investment products for which the
           supervised persons receives compensation, CAG will document the conflict of interest
           in the client file and inform the client of the conflict of interest.

       2. Clients Have the Option to Purchase Recommended Products From
       Other Brokers

           Clients always have the option to purchase CAG recommended products through
           other brokers or agents that are not affiliated with CAG.

       3. Commissions are not CAG’s primary source of compensation for
       advisory services

           Commissions are not CAG source of compensation for advisory services.

       4. Advisory Fees in Addition to Commissions or Markups

           Advisory fees that are charged to clients are not reduced to offset the commissions or
           markups on investment products recommended to clients.

Item 7: Types of Clients

CAG generally provides advisory services to the following types of clients:

       ❖      Individuals
       ❖      High-Net-Worth Individuals
       ❖      Pension and Profit Sharing Plans

There is an account minimum of $400,000, which may be waived by CAG in its discretion.