CFG Wealth Management Services Inc

Item 5 Fees and Compensation
                               INVESTMENT SUPERVISORY SERVICES ("ISS")

                               INDIVIDUAL PORTFOLIO MANAGEMENT FEES

CFG’s compensation for these services is determined by the amount of assets under CFG’s supervision.
Fees are not negotiable unless noted. Supervisory fees are payable quarterly, in advance, based on the
long market value of the assets under management (securities held long and the value of cash in a client
account) at the end of the prior quarter, as listed on the detail of each custodial account statement.

These fees are debited directly from the clients’ accounts per the terms described within each client’s
agreement with CFG. The basic fee schedule for portfolio management services is depicted below.

        Asset Amount                               Marginal Annual Rate

        First $1 million                           1.00%

        Next $1 million                            0.75%

        Next $3 million                            0.50%

        Remaining amounts over $5 million          0.35%

The implementation of CFG’s portfolio management service may use pooled investment vehicles such as
exchange traded funds (ETFs) and traditional open-end mutual funds. Each pooled investment vehicle

has its own advisory fees and other expenses, which are explained in each vehicle’s prospectus or other
required disclosure documentation. The investment supervisory fees paid to CFG as detailed in the
schedule above do not include the fees of the investment vehicles, transaction costs, or any potential
custody fees that are realized as CFG provides these investment supervisory services and implements the
portfolio management process.

The investment advisory contract may be terminated by any of the parties effective upon written notice
to the other parties. Should the relationship terminate, the client will be entitled to a refund of any
supervisory fee not already earned by CFG. Whenever possible the refund will be deposited in the
client’s account(s) managed by CFG up until the point of termination. If that is not possible, the refund
will be given in the form of a check made payable directly to the client.

Limited Negotiability of Advisory Fees: Although CFG Wealth Management Services, Inc. has established
the aforementioned fee schedule(s), we retain the discretion to negotiate alternative fees on a client-by-
client basis. Client facts, circumstances and needs are considered in determining the fee schedule. These
include the complexity of the client, assets to be placed under management, anticipated future
additional assets; related accounts; portfolio style, account composition, reports, among other factors.
The specific annual fee schedule is identified in the contract between the adviser and each client.

We may group certain related client accounts for the purposes of determining the annualized fee.
Discounts, which are not generally available to our advisory clients, may be offered to family members
and friends of associated persons of our firm.

                                        PENSION CONSULTING FEES

At times CFG will provide investment consulting services to plan sponsors of retirement plans. These
services generally encompass the selection of other advisors and service providers, advisory services for
retirement plans, plan sponsors, and plan participants.

Retirement plan services and fees are typically detailed in a separate Client Agreement tailored to the
needs of the specific Client. Fees for retirement plan clients are assessed as either a fixed quarterly fee
or percentage of assets under management, negotiated at the onset of the relationship.

                                        FINANCIAL PLANNING FEES

Our fees for Financial Planning are 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 entering into a contract
with any client. There are different methods of delivering financial planning services. The fees associated
with financial planning services are charged differently depending on the method of service delivery.

For financial planning services provided as part of our Wealth Enhancement Service (available only to
existing clients), compensation for the total service (goes beyond the financial planning services alone) is
determined by the size and complexity of a client’s financial circumstance. Fees are payable quarterly, in
advance, based on assets under management at the beginning of the prior quarter’s end. These fees are
debited from the client’s account per the terms described within each client’s agreement with CFG. The
basic fee schedule for the Wealth Enhancement Service is depicted here:

        Asset Amount                      Marginal Annual Rate

        First $250,000                            2.00%

        Next $250,000                             1.50%

        Next $500,000                             1.00%

        Next $1 million                           0.75%

        Next $3 million                           0.50%

        Remaining amounts over $5 million         0.25%

The Wealth Enhancement Service contract may be terminated by any of the parties effective upon
receipt of written notice to the other party. Our Financial Planning fees for services outside the scope of
the Wealth Enhancement Service are calculated and charged on an hourly basis which is currently $250
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.

We may request a retainer upon completion of our initial fact-finding session with the client; however,
advance payment will never exceed $1200 for work that will not be completed within six months. The
balance is due upon completion of the plan.
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Item 7 Types of Clients
CFG Wealth Management Services, Inc. provides advisory services to the following types of clients:

    •   Individuals (other than high-net-worth individuals)
    •   High net worth individuals
    •   Pension and profit-sharing plans (other than plan participants)
    •   Corporations or other businesses not listed above

The Firm does not require a minimum account size.