Columbia River Financial Group LLC

Item 5—Fees & Compensation
Investment Management Services:
In most situations, the fees for Investment Management Services will be based on the amount of assets under
management (“Assets Managed”). Clients for Investment Management Services are provided an advisory
agreement (“Agreement”) that outlines our services, as well as a description of the fees charged (“Advisory
Fees”). Typically, Advisory Fees will be charged on a quarterly basis and in advance, meaning it is collected at
the beginning of the quarter. In the event a client terminates our services we will rebate the unused portion of
the fees that were charged in advance. In most cases the Advisory Fees are electronically debited and at the
same time the client will be sent an invoice that shows the fee, formula used to calculate the fee and the time
period covered by the fee. For clients who want to make direct payments for services an invoice will be mailed
showing the fee, formula used to calculate the fee and the time period. Checks are accepted for payment of
the Advisory Fees. The value of the assets, as provided by the custodian, used to calculate the Advisory Fee

will include all positions in the account, cash, dividends, accrued interest and interest payments unless specifi-
cally excluded in the Special Instructions section of the Agreement. Accounts opened for a partial time frame
will be pro-rated based upon the number of days open during the billing period.
All fees we charge are separate and distinct from the fees and expenses charged by investments like mutual
funds and exchange traded funds (ETFs). In these cases, the fees and expenses are described in each fund's
prospectus or available through common financial websites. These fees will generally include a management
fee, other fund expenses, and a possible distribution fee. In addition to our Advisor Fees, clients are also re-
sponsible for the transaction charges, fees and other expenses charged and imposed by the firm (“Custodian”)
who holds the client assets. Accordingly, clients should review both the fees charged by the funds/ETFs, the
Custodian and the fees charged by the Advisor to fully understand the total amount of fees to be paid. We
encourage clients to review Item 12 Brokerage Practices for more information.
Our standard fee schedule provides a breakpoint for the total assets managed within a household. Please
note that we have a minimum Advisory fee of $4,500 per year per household. It is important to know that the
minimum fee could result in a higher fee normally charged in the industry or offered by other advisors offer-
ing similar services. It is possible that we have different fee schedules or minimum fees that are lower or
waived for existing clients, family or other relationships. Our Standard Fee Schedule, which may be negotiat-
ed based on the complexity and needs of the client is as follows:

                                         Asset Level               Fee Rate
                                                  Up to $500,00     1.00%
                                         $500,001 to $1,000,000     0.90%
                                        $1,000,001 to $3,000,000    0.75%
                                        $3,000,001 to $5,000,000    0.60%
                                        $5,000,001 to 10,000,000    0.50%
                                                   10,000,000 +     0.40%

Fees may be negotiated, lowered or waived for family, friends or based upon the complexity level of the client
situation. In any case, clients can cancel the advisory contract without any charges and penalties within 5 busi-
ness days after contract execution. If terminated after 5 business days we will rebate the client the unearned
portion of the fee that was paid in advance. It is important to know that Clients have the option to purchase
investment products we recommend through other brokers or agents that are not affiliated with us.

Item 7—Types of Clients
We provide services to individuals, trusts, estates, charitable organizations (non-profits), corporations, associa-
tions and other business entities (such as limited liability companies, networks or limited partnerships). We do
not have a minimum account size but clients are subject to a minimum fee of $3,000 per year per household.