CFO4Life Group LLC

Item 5 – Fees and Compensation

        A.         Financial Planning and Advisory Fees

         CFO4Life charges fees based on a percentage of assets under management as well as fixed fees,
depending on the particular types of services to be provided. CFO4Life includes the value of accrued
interest and accrued dividends for billing purposes. The specific fees charged by CFO4Life for services
provided will be set forth in each client’s Agreement.

        Fees for Comprehensive Financial Planning Services

         Clients that are receiving financial planning services only are charged an annual fixed fee ranging
from $10,000 to $15,000, depending on the complexity of a client’s plan and services provided. Initially,
25% of the annual fee is due upon entering into the agreement with the Firm and the remainder of the annual
fee is charged quarterly thereafter based on a calendar quarter. Actual fees charged are clearly outlined in
the financial planning agreement and clients receive invoices reflecting the amount of the fee due and
7                          CFO4Life Group, LLC | ADV Part 2A Brochure

payable. Please refer to “Additional Information Regarding Fees” below for more detailed information
regarding fees paid by CFO4Life clients.

        Fees for Investment Management Services

         Advisory clients are charged a quarterly fee based on the account’s assets under management
(AUM) as of the close of business on the last business day of the preceding calendar quarter without
adjustments for deposits, additions or withdrawals during the billing period. Asset management fees are
calculated and paid quarterly in advance and the management fee ranges from 1.00% to 1.50% (per annum).
See below in Section B. Additional Information Regarding Fees for information regarding clients paying
fees for investment management services which are less than the listed fee range. For the purposes of fee
calculation, assets under management include cash and cash equivalents, as well as margined securities.
CFO4Life does not reduce management fees for margin borrowing, regardless of whether the assets are in
cash or other securities. CFO4Life has a financial incentive to recommend that clients borrow money for
the purchase of additional securities for the client’s account managed by CFO4Life or otherwise not
liquidate some or all the assets CFO4Life manages. CFO4Life addresses this conflict of interest by this
disclosure and working to ensure that any recommendation to a client regarding the use of margin is suitable
for the client.

         In 2018 CFO4Life completed the acquisition of Vogel Financial Advisors, LLC. Clients of Vogel
Financial Advisors who became clients of CFO4Life through that acquisition maintained the fee schedule
that was applicable to that client while a client of Vogel Financial Advisors. The Vogel Financial Advisors
fee schedule maintained for these clients contain advisory fee breakpoints that are effective as a client’s
account reaches certain asset levels. In addition, a limited number of CFO4Life client accounts are subject
to a breakpoint fee schedule. For these grandfathered Vogel Financial Advisors accounts and the limited
number of other CFO4Life accounts, CFO4Life works to ensure that all related client accounts, specifically
the accounts of direct family members sharing the same residence address, are included in determining a
client’s applicable fee rate. Other than the Vogel Financial Advisors grandfathered accounts and limited
number of other CFO4Life accounts, CFO4Life accounts are not subject to a breakpoint fee schedule and,
therefore, the “householding” of related client accounts is not applicable.

         Lower fees for comparable services may be available from other sources. These fees may be
negotiated by CFO4Life under certain circumstances, and at the sole discretion of CFO4Life. Unless
otherwise arranged by the client, our advisory fees are automatically deducted from a client’s account by
the custodian of the account as soon as reasonably practicable after the end of each calendar quarter. For
accounts opened or closed after the beginning of a new calendar quarter, our fees will be prorated. For new
accounts CFO4Life generally will make the initial fee deduction shortly after the finalization of the client
relationship.

        Fees for Wrap Programs

         Advisory clients that participate in a third -party separate account manager’s wrap fee programs are
charged a separate fee on those assets. The wrap fee includes CFO4Life’s advisory fee, fees to the Fidelity
Managed Account Xchange as the program provider, and fees to the third-party manager for investment
management services. The wrap fee paid by clients in the wrap program differs from CFO4Life’s typical
investment management fee in that the wrap fee is inclusive of trade execution costs, while in a non-wrap
program account, the client pays trade execution costs directly to the broker, and such costs are in addition
to the investment management fee charged by CFO4Life. The fee schedules for the third-party manager
wrap fee programs are provided in the respective adviser wrap fee program brochure and advisory client
agreements. Clients are encouraged to carefully review the contents of these brochures with their advisor,
including descriptions of the various programs and services offered, as well as fees and charges.

        CFO4Life’s advisory fee component within the wrap program will be determined by the client’s
8                     CFO4Life Group, LLC | ADV Part 2A Brochure

total relationship size and be reflected on the client’s investment management agreement. The third-party
managers will have a tiered fee schedule commensurate with the level of assets at the individual client or
CFO4Life firm level. Aperio Group pricing is currently 15 bps and Quantinno is at 2.2bps in addition to
CFO4Life’s advisory fee component. Fidelity Managed Account Xchange fees vary depending on the
...

Item 7 – Types of Clients

         CFO4Life provides services to affluent individuals and business executives, trusts, estates,
charitable organizations, retirement plans, corporations and other businesses. CFO4Life imposes a
minimum portfolio size or a minimum initial investment of $2 million and a net worth of $5 million
to open an account, but does reserve the right to waive these minimums or accept or decline a potential
client for any reason in its sole discretion.