COFG Advisors LLC

Item	5	–	Fees	and	Compensation
Wealth Management Services
Wealth management fees are paid quarterly in advance pursuant to the terms of the client’s written agreement with
COFG. Fees are based on the market value of assets under management (“AUM”) on the last business day of the previous
calendar quarter. Fees are based on the following schedule and are assessed on a per-account basis:

                                   Assets Under Management ($)           Annual Rate (%)
                                           First $250,000                    1.25%
                                           Next $250,000                     1.00%
                                           Next $500,000                     0.90%
                                          Next $1,500,000                    0.80%
                                          Next $2,500,000                    0.75%
                                         Above $5,000,000                    0.65%

Certain legacy client relationships may be charged according to schedules that differ than described in the tiered schedule
above. The initial quarterly fee will be prorated based on the number of billing days in the initial quarter. Fees are based
on account value, account type, and nature of the relationship and are negotiable. Other methods of fee calculation exist
or are possible, depending on the specific program, the services provided, client circumstances, and the account size.
These methods include, but are not limited to, hourly, flat, breakpoint, and blended fee billing. Managed accounts holding
strictly cash or cash equivalent positions will be charged a fixed fee of up to 0.40% annually. Clients may make additions
to and withdrawals from account[s] at any time. However, reconciliations are performed on a quarterly basis to capture
if, at any point, assets in excess of $100,000 are deposited into or withdrawn from an account after the start of the
quarterly billing period. An adjustment will be made in the form of a credit or debit the following billing period to reflect
the interim change in portfolio value from the date of the deposit/withdrawal until the end of the quarter.

As stated above, Chicago Oakbrook Financial Group will generally calculate fees on a per-account basis. In certain
circumstances, COFG allows for the aggregation of assets among a client’s “related” managed accounts for purposes of
determining the value of AUM and the applicable advisory fee to be paid by a client. Chicago Oakbrook Financial Group
reserves the right to determine whether client accounts are “related” for purposes of aggregating a client’s accounts
together for a reduction in the percentage fee amount.

Wealth management fees are calculated by COFG and deducted from the client’s account[s] at the custodian. COFG will
send an invoice to the custodian indicating the amount of the fees to be deducted from the client’s account[s] at the
beginning of the respective quarter. The amount due is calculated by applying the quarterly rate (annual rate divided by
4) to the total assets under management with COFG at the end of the prior quarter. Clients will be provided with a
statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients are urged to
also review and compare the statement provided by COFG to the brokerage statement from the custodian, as the
custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to be
deducted by COFG to be paid directly from their account[s] held by the custodian as part of the investment advisory
agreement and separate account forms provided by the custodian. The Advisor will conduct periodic reviews of the
custodian’s valuation to ensure accurate billing.

Plan Participant Consulting: The plan participant consulting fees are paid quarterly in arrears pursuant to the terms of
the client’s written agreement with COFG. Fees are based on the total value of assets in the entire plan across all SIMPLE
IRA participants on the last business day of the calendar quarter. Fees are based on the following schedule:

2/18/2026

                                   Assets Under Management ($)            Annual Rate (%)
                                           $0 - $500,000                      1.00%
                                       $500,001 - $1,000,000                  0.75%
                                          Over $1,000,000                     0.50%

Plan participant consulting fees are calculated by COFG and deducted from the client’s SIMPLE IRA at the custodian. The
Advisor shall send an invoice to the custodian indicating the amount of the fees to be deducted from the SIMPLE IRA at the
respective quarter end date. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the
total assets of the SIMPLE IRA at the end of each quarter. Clients will be provided with a statement, at least quarterly, from
the custodian reflecting deduction of the plan participant consulting fee. Clients are urged to also review and compare the
statement provided by COFG to the brokerage statement from the custodian, as the custodian does not perform a
verification of fees. Clients provide written authorization permitting plan participant consulting fees to be deducted by COFG
to be paid directly from their SIMPLE IRA held by the custodian as part of the plan participant consulting agreement and
separate account forms provided by the Custodian.

Use of Independent Managers
As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its wealth management fee as described above. Independent Managers
...

Item	7	–	Types	of	Clients
Chicago Oakbrook Financial Group generally provides advisory services to the following types of clients:

    •   Individuals (other than high net worth individuals)
    •   High net worth individuals
    •   Pension and profit-sharing plans
    •   Charitable organizations
    •   Corporations or other businesses not listed above

2/18/2026

Chicago Oakbrook Financial Group’s managed account programs generally require a minimum investment of $500,000.
The firm retains the ability to waive this requirement for any reason in its sole discretion. In some cases, account
balances may be combined at the household level to satisfy the account minimum.