CMG Financial Consulting LLC

Item 5: Fees and Compensation
Forms of payment are based on the types of services being provided, term of service, etc., and will be stated in
the engagement agreement. Our advisory fees may be reduced or waived at the discretion of our firm, to include
fees for our associates and their family members.

Fees may be paid to our firm by check or draft from US-based financial institutions. With your prior authorization
payment may also be made by credit or debit card through a qualified, third-party processor, or via withdrawal

from your investment account held at your custodian of record. Payment requests for our advisory fees will be
preceded by our invoice, and fees paid to our firm will be noted in your account statement you will receive from
your custodian. Our firm does not accept cash, money orders or similar forms of payment for its engagements.

Comprehensive Financial Planning Services and Portfolio Management

Clients engaging the comprehensive financial planning service are subject to a flat fee based on career stage and
complexity. The fee for this service may be negotiable at the firms discretion. Clients that elect service plans with
bundled portfolio management will automatically be placed in a higher service tier if their managed assets
exceed the threshold for a given service (For instance, an Early Investor’s client whose portfolio management
assets grow to >$500,000 will be enrolled in the Foundation Builders Service at that time). Fees for this service
are paid monthly in arrears by electronic funds transfer or check. This service may be terminated with 30 days’
notice. Since fees are paid in arrears, no refund will be needed upon termination of the account.

Early Investors - $450/month
    ●​   Comprehensive Financial Planning
    ●​   Student loan planning
    ●​   Cash Flow & Budgeting
    ●​   Combined Portfolio Management/Held Away Assets up to $500,000
    ●​   Investment Recommendations for Employer Retirement Accounts
    ●​   Annual portfolio rebalancing
    ●​   Financial, Employer, and Legal Document Planning Review
    ●​   Annual Review and Updates
    ●​   Unlimited calls and emails.
    ●​   Annuity Planning

Foundation Builders - $850/month
   ●​ Comprehensive Financial Planning
   ●​ Annuity Planning
   ●​ Student loan planning
   ●​ Cash Flow & Budgeting
   ●​ Combined Portfolio Management/Held Away Assets up to $1,000,000
   ●​ Investment Recommendations for Employer Retirement Accounts
   ●​ Annual portfolio rebalancing
   ●​ Financial, Employer, and Legal Document Planning Review
   ●​ Annual Review and Updates
   ●​ Unlimited calls and emails.
   ●​ Meetings with Attorney’s, CPA’s, insurance agents and employers
Financially Independent - $1,250/month
    ●​   Comprehensive Financial Planning
    ●​   Student loan planning
    ●​   Cash Flow & Budgeting
    ●​   Combined Portfolio Management/Held Away Assets over $1,000,000
    ●​   Investment Recommendations for Employer Retirement Accounts
    ●​   Annual portfolio rebalancing
    ●​   Financial, Employer, and Legal Document Planning Review

    ●​   Annual Review and Updates
    ●​   Unlimited calls and emails.
    ●​   Meetings with Attorneys, CPA’s, insurance agents and employers
    ●​   Annual In-person meeting for remote clients
    ●​   Annuity Planning

Discount for Medical Residents and Fellows-
    ●​ $225/month for Early Investors Services
    ●​ Discount will be applied as long as one spouse is in residency and the other is not already an attending
       physician
    ●​ After Residency, the client will be automatically enrolled in the Early Investors Plan.

***Client utilizing the Early Investor, Foundation Builder or Financially Independent plans will receive Portfolio
Management Services at no additional charge***

         Personal Tax Return Preparation
The fees for Personal Tax Return Preparation will be determined based on the complexity of the return and
quality of recordkeeping. The fees may be negotiable in certain cases, will be agreed upon at the start of the
engagement, and is payable monthly, or at the completion of the engagement. Clients are not required to utilize
any third party products or services that we may recommend and they can receive similar services from other
professionals at a similar or lower cost. Since fees are paid in arrears, no refund will be needed upon termination
of the account.
Other Types of Fees and Expenses

Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which
may be incurred by the Client. Clients may incur certain charges imposed by custodians, brokers, and other third
parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer, and
electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual fund
and exchange-traded funds also charge internal management fees, which are disclosed in a fund's prospectus.
Such charges, fees, and commissions are exclusive of and in addition to our fee, and we shall not receive any
portion of these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for Client’s
transactions and determining the reasonableness of their compensation (e.g., commissions).
Portfolio Management Services

Portfolio Management Services are included in the Early Investors, Foundation Builders, and Financially
Independent Plans at no additional charge.

Use of Sub-Advisors (Breckinridge Capital Advisors, Inc.)

Sub-Advisor Services are included with our Financially Independent plans at no additional charge.
The fee payable to Sub-Adviser is based on the total market value of the fixed income securities in the
Account and shall be calculated and billed at the end of each calendar quarter at one-fourth of the annual
...

Item 7: Types of Clients
CMG Financial Consulting provides its services to individuals, high net worth individuals, and pension and profit
sharing plans.
Our firm does not require minimum income, asset levels or other similar preconditions for our services. CMG
Financial Consulting reserves the right to decline services to any prospective client for any nondiscriminatory
reason.