CIG Asset Management Inc

FEES AND COMPENSATION

Fees
Comprehensive Financial Plan: We offer comprehensive financial planning services for individuals
and businesses. The fee for a Comprehensive Financial Plan is a flat rate negotiated beforehand
with the client and will range from $2,500 to $10,000. Rates are based on the expected hours
required to produce the plan multiplied by a rate not to exceed $500/hr. After completing your
financial plan, your CIG Wealth Manager may find it necessary to recommend further analysis in
a specific area that has not already been considered under this arrangement. If you choose to
pursue further analysis, you will be asked to pay an additional fee, which your Wealth Manager
will discuss with you prior to rendering these services. Any additional services provided will be
billed at not more than $500/hr.

Fee Based Program: Through the Program, we provide investment advisory services to
individuals, trusts, estates, charitable organizations, corporations, employee benefit plans, and
other business entities in which we direct and manage specified assets of our clients. Although
we may negotiate our fee under certain circumstances, our standard (tiered) Fee Schedule for the
Program is as follows:

            Assets Under Management                               Annual Fee
            On amounts up to $250,000                               2.5%*
       On amounts from $250,001 - $500,000                           2.0%
       On amounts from $500,001 - $750,000                           1.8%
       On amounts from $750,001 - $1,000,000                         1.5%
    On amounts from $1,000,001 - $1,500,000                          1.0%
          Any amount over $1,500,000                                 0.8%

The Advisory Fees described above cover only the services provided under the Investment
Advisory Agreement. The Advisory Fee is negotiable and is paid quarterly, in advance, and is
based upon the value of the Program assets under management as of the close of business on
the last business day of the preceding quarter as valued by an independent pricing service, where
available, or otherwise in good faith as reflected on Client’s quarterly portfolio evaluation report.
Additional deposits of funds and/or securities will be subject to the same billing procedures. This
includes deposits of cash and any other securities approved for investment in the Program
Account.

Part 2A of Form ADV                              3                          CIG Asset Management, Inc.
December 31, 2025

In addition to Advisory Fees, the account may be assessed a transaction charge (“Transaction
Charge”) to defray the costs associated with trade execution. Although the Transaction Charge is
identified under the commission column on the confirmation, it represents a reimbursement of
transaction costs and not commissions. The amount of each Transaction Charge is determined
by the custodian. A sample Transaction Charge schedule follows:

                Equities & Exchange Traded Funds:       $ 10.00/Order + $.0015 per share;
                                  (Minimum = $10.50; Max = $15.00)

                             Fixed Income Securities: $ 14.00/Order
                          Mutual Funds (Load & No Load): $ 10.00/Order

                         * Transaction Charges subject to change

Accounts may also be charged standard Brokerage Account fees by the custodian for items such
as annual custodial fees for qualified accounts, vault and fees for safekeeping of certificates,
ACAT & termination fees, fees charged by the SEC on transactions, etc. Technology costs are a
portion of the fees assessed to us by a third-party vendor who provides our clients with on-line
access to consolidated account and performance reports.

For clients participating in our WRAP Program, other than the Advisor’s Fee, clients shall not be
responsible for paying any costs associated with the Account, including, among other things,
transaction charges, brokerage account/custodian fees and technology costs. These costs will be
absorbed by the Advisor. As we absorb certain transaction costs in wrap fee accounts, we may
have a financial incentive not to place transaction orders in those accounts since doing so
increases its transaction costs. Thus, an incentive exists to place trades less frequently in a wrap
fee arrangement.

Commissions and Mark Ups
We are affiliated with CIG Securities, Inc. (“CIG Securities”), an SEC registered broker‐dealer and
FINRA member. Our principal executive officers and other related employees are generally
officers, managers, and/or registered representatives of CIG Securities. We also have an affiliate,
CIG Risk Management, Inc. (“CIG Risk Management”), which is a licensed insurance agency.
Some of our employees are also insurance agents of CIG Risk Management. CIG Securities and
its registered representatives may effect limited securities transactions for our advisory clients
and receive customary compensation for some of these transactions. If you participate in our
Program, payment of commissions for certain non‐traded limited partnerships will not increase
the fee that you pay, however it can decrease the amount you have invested in the partnership.
If you buy an insurance product from CIG Securities or CIG Risk Management, the companies and/or
its representatives/agents may receive a commission. In order to mitigate any potential conflict
which would exist when we recommend you purchase insurance products which pay us a
commission, we will waive our investment advisory fee on those assets for the first year in which
they are invested.

Part 2A of Form ADV                                 4                          CIG Asset Management, Inc.
December 31, 2025

Other Fees and Expenses
The fees not included in the advisory fee for our wrap services are charges imposed directly by a
mutual fund, Index Fund, or exchange‐traded funds and notes, as well as the separate accounts
...

TYPES OF CLIENTS
We provide our services to individuals, trusts, estates, charitable organizations, corporations,
employee benefit plans, and other business entities. Generally, we require you to have assets
under management greater than $100,000 to open an account in the Program.

             METHODS OF ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS