Chartered Advisory Group Inc

Item 5 – Fees and Compensation

In addition to the information provided in Item 4, Advisory Business, this section provides additional details
regarding our services along with descriptions of each service’s fees and compensation arrangements.

Advice & Planning Membership

For our combined financial planning and consulting services described in Item 4, Advisory Business, clients
will be charged the following membership fees.

Individuals
PHASE 1 (months 1-4) | $3,000 upfront*
PHASE 2 (months 5-12) | $400 per month*
PHASE 3 (months 13+) | $300 per month*

Couples
PHASE 1 (months 1-4) | $4,000 upfront*
PHASE 2 (months 5-12) | $400 per month*
PHASE 3 (months 13+) | $300 per month*

*All fees are subject to future price increases.

Fees charged for our financial planning and consulting services are negotiable based upon the relationship of
the client to CAG. All fees to be charged will be specified in the client agreement.

Cancellation Policy
 Clients can cancel membership at any time by emailing or mailing a written request.
 Membership will cease the first day of the month following receipt of a written cancellation request.
 For member clients who cancel and return later, billing will restart at PHASE 1 according to the rate and
   frequency specified in the client agreement in effect at the time client re-enters membership.

   Chartered Advisory Group®                               6                  Disclosure Brochure | March 2026

Asset Management

For our asset management services described in Item 4, Advisory Business, clients will be charged the
following asset management fees.

0.80% based on the value of each asset under management.1,2,3

1.   Fee may be higher or lower based on the type and compensation structure of the asset.
2.   Fee is expressed as an annualized percentage of the asset value.
3.   Fee is subject to future price increases.

Fees charged for our asset management services are negotiable based upon certain factors, including but not
limited to, the type of client, the services requested, the complexity of the client's situation, and the relationship
of the client to CAG.

For asset management services provided to CAG Model Portfolio Program accounts, fees are charged based
on a percentage of assets under management, billed in arrears (at the end of the billing period) on a monthly
basis and calculated based on the average daily balance of your account during the current billing period. Fees
are prorated (based on the number of days service is provided during the initial billing period) for accounts
opened any time other than the beginning of the billing period. If asset management services commence in the
middle of the billing period, then the prorated fee for that billing period will be billed in arrears at the end of that
billing period.

For certain FINRA-registered products, including but not limited to variable annuities, asset management
services will be provided though an agreement with Mutual Securities. Mutual Securities is a broker dealer that
will be named as the representative of record on these accounts and will process asset management fee
payments on behalf of CAG.

Termination of Asset Management Services

Our asset management service programs will continue in effect until terminated by either party (i.e., CAG or
you) by providing written notice of termination to the other party. When fees are billed in arrears, CAG will
prorate the final fee payment based on the number of days services are provided during the final period. The
amount of client assets on the termination date will be used to determine the final fee payment.

Additional Compensation

We are an insurance agency, and our representatives are also independently licensed as insurance agents. Our
representatives do not earn commissions when selling insurance products to clients in this separate capacity.
Rather, any commissions earned are assigned to CAG and are not retained by our representatives.
Nevertheless, this is a conflict of interest, since any commissions earned by CAG could be in addition to
advisory fees earned by CAG.

Our representatives recommend investment products based on your individual needs and not based on the
possibility of additional compensation in their separate capacities as independently licensed insurance agents.
You have sole discretion about whether or not to contract for our services. In addition, you have sole discretion
about whether or not to implement any recommendations made by our representatives. If you do decide to
implement recommendations, you are responsible for taking any actions or implementing any transactions
required. You are free to select any broker-dealer and/or insurance agent to implement our recommendations.

Please see Item 10, Other Financial Activities and Affiliations, and Item 12, Brokerage Practices, for
additional discussion on these conflicts of interest.

     Chartered Advisory Group®                              7                      Disclosure Brochure | March 2026

Financial Institution Consulting Services

CAG receives a consulting fee based on the Assets Under Management from Brokerage Customers who have
provided written consent to a broker-dealer to receive the investment consulting service from CAG and have
entered into a written advisory agreement with CAG. The consulting fee is calculated from the Assets Under
Management as of the end of a calendar quarter period multiplied by an annualized rate between 0.17% and
0.80%. The initial fee is paid only after the completion of one full calendar quarter period following the date of
the executed agreement with broker-dealers.

Comparable Services

We believe our fees for advisory services are reasonable with respect to the services provided and the fees
charged by other investment advisors offering similar services. However, lower fees for comparable services
may be available from other sources.
...

Item 7 – Types of Clients

We generally provide investment advice to:

    •   Individuals (including high-net worth individuals)
    •   Trusts, estates, or charitable organizations
    •   Broker-Dealers
    •   Corporations or business entities other than those listed above

Minimum Investment Amounts Required

All minimums are negotiable at the discretion of CAG.

   Chartered Advisory Group®                             8                     Disclosure Brochure | March 2026