Clark Financial Services Group Inc

Fees and Compensation
Description
       CFSG’s advisory fee is set forth in its written advisory agreement with the client. In
       addition to the advisory fee, certain CFSG advisers may receive insurance commissions
       from the sale of insurance products. Additional information about these commissions
       and fees is described below.

       While our advisory fees are not negotiable, we may consider aggregating related
       accounts or offer a professional courtesy discount.

Advisory Fees
      Discretionary Accounts
      Fees for discretionary portfolio management are typically assessed based on assets
      under management at the following annual rates:

              2.00% for a Portfolio with up to $499,999;
              1.50% for a Portfolio with between $500,000 and $999,999;
              1.00% for a Portfolio with between $1,000,000 and $4,999,999;
              0.90% for a Portfolio with between $5,000,000 and $7,499,999;
              0.75% for a Portfolio with between $7,500,000 and $9,999,999
              0.60% for a Portfolio above $10,000,000

       The above fee rate at each breakpoint applies to the entire account, not just the portion
       of the account that is within a particular breakpoint. CFSG will aggregate a client’s
       advisory accounts for purposes of determining the appropriate fee rate.

       Fee Billing
       Advisory fees are generally deducted directly from the client’s account(s), though
       clients may request to pay these fees by check or some other form. Advisory fees for
       new clients are deducted (or billed) quarterly in advance, based on the market value of
       the client’s account(s) as of the date CFSG first begins advising the account(s), and
       thereafter as of the first business day of each quarter. Certain existing clients of CFSG
       are billed annually in advance.

       Generally, a client may terminate his or her investment management agreement at any
       time by mailing written notice to CFSG. Clients will receive a pro rata refund of any
       advisory fees paid, but not yet earned, as of the date of termination.

 CLARK FINANCIAL SERVICES GROUP, INC. DBA GARDIUS WEALTH ADVISORS

Financial Planning Fees
       Clients may also elect to pay for our financial planning services by paying (a) an hourly
       fee at a rate of $250 to $500 an hour (depending on the experience of the CFSG team
       member or members providing the service), (b) a negotiated flat fee, (c) a fee based on
       the client’s net worth or income, or (d) some combination of (a) – (c). Financial
       planning services are also available bundled with Advisory Fees.

       A CFSG team member will discuss these financial planning fee options with each new
       client to assist the client in determining which option would work best for them.

Insurance Commissions
       Certain CFSG advisers are registered insurance agents, and will receive commissions
       for the sale of insurance products, including those recommended to clients. This
       presents certain conflicts of interest. Because these advisers receive commissions for
       the sale of insurance products, they and CFSG have an incentive not to recommend the
       purchase of investments and insurance products that do not pay such compensation (or
       that pay a lower commission rate). CFSG addresses this conflict by fully disclosing to
       the client, at the time of the sale of the insurance product, that the adviser will receive
       a commission from the sale. Clients may purchase insurance products recommended
       by CFSG through other agents that are not affiliated with CFSG. CFSG’s advisory fees
       will not be reduced to offset the payment of insurance commissions.

Mutual Fund Fees and Expenses
      Mutual funds charge their own management and other operating expenses, as described
      in each fund’s prospectus. Mutual funds also typically offer multiple share classes with
      different fee structures. CFSG will recommend and invest client assets in the mutual
      fund share class that it determines offers the most favorable terms for the client, taking
      into account factors including, but not limited to, trade costs, fund minimums, possible
      short-term redemption fees, the length of time the account is expected to hold the
      position, and annual share class expenses (which include any 12b-1 fees).

       Clients should understand that, depending on the mutual fund share classes offered by
       the fund and the amount to be invested, client assets invested in mutual funds could be
       invested in load-waived Class A shares, which charge a 0.25% 12b-1 fee.

Other Fees
      CFSG typically recommends that Clients execute transactions for managed accounts
      through Charles Schwab & Co., Inc. (“Schwab”). As of the date of this Brochure,
      Schwab charges a transaction fee of $10 for transaction fee mutual fund trades and no
      fee for non-transaction fee funds, which typically have a higher expense ratio.
      For equity trades, Schwab typically does not charge for equity trades ($25 service
      charge

 CLARK FINANCIAL SERVICES GROUP, INC. DBA GARDIUS WEALTH ADVISORS

      for broker-assisted trades). Schwab’s fees may vary from those disclosed above due to
      particular circumstances of a transaction, additional or differing levels of servicing
      required, or as otherwise contractually agreed upon with clients. Schwab may change its
      fee schedule and transaction and service fees without notice. CFSG and its personnel do
      not receive any portion of these transaction or service fees paid to Schwab.

      Mutual funds and exchange traded funds in which client assets may be invested charge
      their own management fees and other operating expenses, as described in each fund’s
      prospectus. These fees and expenses are exclusive of, and in addition to, the fees paid
...

Types of Clients
Types of Clients and Portfolio Minimums
      CFSG generally provides investment advice and financial planning services to
      individuals, pension and profit-sharing plans, trusts, estates, charitable organizations,
      and corporations.

       CFSG’s minimum client portfolio size is $500,000, with an additional $150,000
       minimum for individual stock portfolios. CFSG may waive these minimums, or require
       a higher minimum, in certain circumstances.

 CLARK FINANCIAL SERVICES GROUP, INC. DBA GARDIUS WEALTH ADVISORS

Methods of Analysis, Investment Strategies and Risk of Loss