CKW Financial Group LLC

Item 5. Fees and Compensation
                          INVESTMENT SUPERVISORY SERVICES ("ISS")
                               MODEL PORTFOLIO MANAGEMENT
                              INVESTMENT CONSULTING SERVICES

Our annual program fees for Investment Supervisory Services and Investment Consulting
Services are based upon a percentage of assets under management and generally range
from 0.06% to 1.25%. Assets and Non-model accounts that are excluded from the annual
program fee can be subject to an annual fixed fee.
Our fees are billed quarterly, in advance or arrears depending on the account, at the
beginning of each billing quarter based upon the value (market value or fair market value in
the absence of market value), of the client's account at the end of the previous quarter. Fees
will be debited from the account in accordance with the client authorization in the Client
Services Agreement.
Limited Negotiability of Advisory Fees: Although CKW Financial Group, LLC 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, and 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 achieving the minimum
account size requirements and determining the annualized fee.
Discounts, not generally available to our advisory clients, may be offered to family members
and friends of associated persons of our firm.

                                  GENERAL INFORMATION
Termination of the Advisory Relationship: A client agreement may be canceled at any
time, by either party, for any reason upon receipt of written notice. Upon termination of any
account, any prepaid, unearned fees will be promptly refunded. [In calculating a client’s
reimbursement of fees, we will pro rate the reimbursement according to the number of days
remaining in the billing period.]
Mutual Fund Fees: All fees paid to CKW Financial Group, LLC for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds
and/or ETFs to their shareholders. These fees and expenses are described in each fund's
prospectus. These fees will generally include a management fee, other fund expenses, and a
possible distribution fee. If the fund also imposes sales charges, a client may pay an initial or
deferred sales charge. A client could invest in a mutual fund directly, without our services. In
that case, the client would not receive the services provided by our firm which are designed,
among other things, to assist the client in determining which mutual fund or funds are most
appropriate to each client's financial condition and objectives. Accordingly, the client should
review both the fees charged by the funds and our fees to fully understand the total amount of
fees to be paid by the client and to thereby evaluate the advisory services being provided.
Wrap Fee Programs and Separately Managed Account Fees: Clients participating in
separately managed account programs may be charged various program fees in addition to
the advisory fee charged by our firm. Such fees may include the investment advisory fees of
the independent advisers, which may be charged as part of a wrap fee arrangement. In a
wrap fee arrangement, clients pay a single fee for advisory, brokerage and custodial services.
Client’s portfolio transactions may be executed without commission charge in a wrap fee
arrangement. In evaluating such an arrangement, the client should also consider that,
depending upon the level of the wrap fee charged by the broker-dealer, the amount of
portfolio activity in the client’s account, and other factors, the wrap fee may or may not exceed
the aggregate cost of such services if they were to be provided separately. We will disclose to
clients any separate program fees that may be charged to clients.
Additional Fees and Expenses: In addition to our advisory fees, clients may be responsible
for the fees and expenses charged by custodians and imposed by broker dealers and any
governmental agency, including, but not limited to, any transaction charges or taxes imposed
by a broker dealer with which an independent investment manager effects transactions for the
client's account(s). Please refer to the "Brokerage Practices" section (Item 12) of this Form
ADV for additional information.
 ERISA Accounts: CKW Financial Group, LLC is deemed to be a fiduciary to advisory clients
that are employee benefit plans or individual retirement accounts (IRAs) pursuant to the
Employee Retirement Income and Securities Act ("ERISA"), and regulations under the
Internal Revenue Code of 1986 (the "Code"), respectively. As such, our firm is subject to
specific duties and obligations under ERISA and the Internal Revenue Code that include

among other things, restrictions concerning certain forms of compensation. To avoid
engaging in prohibited transactions, CKW Financial Group, LLC may only charge fees for
investment advice about products for which our firm and/or our related persons do not receive
any commissions or 12b-1 fees, or conversely, investment advice about products for which
our firm and/or our related persons receive commissions or 12b-1 fees, however, only when
such fees are used to offset CKW Financial Group, LLC's advisory fees.
Advisory Fees in General: Clients should note that similar advisory services may (or may
not) be available from other registered (or unregistered) investment advisers for similar or
lower fees.
Limited Prepayment of Fees: Under no circumstances do we require or solicit payment of
...

Item 7. Types of Clients
CKW Financial Group, LLC provides advisory services to the following types of clients:
 Individuals (other than high net worth individuals)
 High net worth individuals and Family Offices
 Pension and profit sharing plans(other than plan participants)
 Charitable organizations including Endowments and Foundations
 Corporations or other businesses not listed above
 CKW does not require any minimum Account size or impose any minimum fee to participate
  in the Program.