Cooper Financial Group

Item 5: Fees & Compensation

Compensation for Our Advisory Services

Financial Planning & Consulting:

Our firm charges on an hourly or flat fee basis for financial planning and consulting services. The total
estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our
engagement with the client. The maximum hourly fee to be charged will not exceed $1,000. Flat fees
will not exceed $400,000. The fee-paying arrangements will be determined on a case-by-case basis and
will be detailed in the signed consulting agreement. Clients that have engaged our firm for a Financial
Plan will receive a year of ongoing financial planning/consultation services at no additional cost. Our
firm will not require a retainer exceeding $1,200 when services cannot be rendered within 6 months.

Cooper McManus Asset Management Program:

The maximum annual fee charged for this service will not exceed 2.00%. Fees to be assessed will be
outlined in the advisory agreement to be signed by the Client. Fees are negotiable and will be deducted
from client account(s). In rare cases, our firm will agree to directly invoice. As part of this process,
Clients understand the following:

    a) The client’s independent custodian sends statements at least quarterly showing the market
       values for each security included in the Assets and all account disbursements, including the
       amount of the advisory fees paid to our firm;
    b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our
       firm will send an invoice directly to the custodian; and
    c) If our firm sends a copy of our invoice to the client, a legend urging the comparison of
       information provided in our statement with those from the qualified custodian will be
       included.

For any sub-advisory services rendered to our clients, our firm typically compensates third party
investment advisory firms or individual advisors a percentage of the overall investment advisory fee
charged by our firm. If the fee is in addition to the fee charged by our firm, it shall be set forth in a
separate agreement between the client and the designated third party.

WealthPort Wrap Program

The total annual advisory fee for client accounts that have implemented use of the WealthPort Wrap
Program shall not exceed 2.25%. The billing procedures for this service vary based on the chosen
program. The total fee to be charged, as well as the billing cycle, will be detailed in the WealthPort
Wrap Fee Brochure, and the separate advisory agreement to be signed by the client. A portion of this
fee will be paid to our firm and will be outlined in the appropriate executed client agreement. Clients
participating in the WealthPort Wrap program will be provided with a copy of CIRA’s Wrap Brochure
and privacy policy. All fees that our firm receives from CIRA and the written separate disclosures made
to clients regarding these fees comply with applicable state statutes and rules.

ADV Part 2A – Firm Brochure                    Page 7                                     Cooper McManus

Retirement Plan Consulting:

Our Retirement Plan Consulting services are billed on an hourly or flat fee basis or a fee based on the
percentage of Plan assets under management. The total estimated fee, as well as the ultimate fee
charged, is based on the scope and complexity of our engagement with the client. The maximum hourly
fee to be charged will not exceed $250. Our flat fees range from $750 to $10,000. Fees based on a
percentage of managed Plan assets will not exceed 1.00%. The fee-paying arrangements will be
determined on a case-by-case basis and will be detailed in the signed consulting agreement.

Other Types of Fees & Expenses

Non-Wrap Clients will incur transaction fees for trades executed by their chosen custodian, either
based on a percentage of the dollar amount of assets in the account(s) or via individual transaction
charges. These transaction fees are separate from our firm’s advisory fees and will be disclosed by the
chosen custodian. Our recommended custodians do not charge transaction fees for U.S. listed equities
and exchange traded funds. Through Cambridge Investments Research, Inc. our firm has a relationship
with Fidelity Brokerage Services (“Fidelity”) which eliminated transaction fees for U.S. listed equities
and exchange traded funds for clients who opt into electronic delivery of statements or maintain at
least $1 million in assets at Fidelity. Clients who do not meet either criteria will be subject to
transaction fees charged by Fidelity for U.S. listed equities and exchange traded funds.

Clients may also pay holdings charges imposed by the chosen custodian for certain investments,
charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be
disclosed in the fund’s prospectus (i.e., fund management fees, initial or deferred sales charges, mutual
fund sales loads, 12b-1 fees, surrender charges, variable annuity fees, IRA and qualified retirement
plan fees, and other fund expenses), mark-ups and mark-downs, spreads paid to market makers, fees
for trades executed away from custodian, wire transfer fees and other fees and taxes on brokerage
accounts and securities transactions. Our firm does not receive a portion of these fees.

Wrap clients will not incur transaction costs for trades by their chosen custodian. More information
about this can be found in our separate Wrap Fee Program Brochure.

Termination & Refunds

Financial Planning & Consulting clients may terminate their agreement at any time before the delivery
of a financial plan by providing written notice. For purposes of calculating refunds, all work performed
by us up to the point of termination shall be calculated at the hourly fee currently in effect. Clients will
receive a pro-rata refund of unearned fees based on the time and effort expended by our firm.
...

Item 7: Types of Clients & Account Requirements

Our firm has the following types of clients:
   • Individuals and High Net Worth Individuals;
   • Trusts, Estates or Charitable Organizations;
   • Pension and Profit-Sharing Plans;
   • Corporations, Limited Liability Companies and/or Other Business Types

There are no requirements for opening and maintaining accounts or otherwise engaging us for the
Cooper McManus Asset Management Program.

Clients seeking to use or implement the WealthPort Wrap Fee Program as part of their overall
investment strategy should be aware of each program’s restrictions and minimum requirements. A
minimum initial investment of at least $5,000 is required to participate in the WealthPort Program.
Higher minimums can apply depending on whether the client’s IAR utilizes the Advisor-Directed,
CAAP®, or UMA program. The client’s IAR can discuss the specific minimums applicable to their
account(s). A minimum initial investment requirement does not apply to retirement accounts in the
WealthPort Advisor-Directed program.

Clients that close a CAAP® account or reduce the account balance below the minimum account value
during the first twelve (12) months will be charged a fee up to a maximum of $500 in order to cover
the administrative costs of establishing the CAAP® account(s).

ADV Part 2A – Firm Brochure                    Page 9                                      Cooper McManus

Clients who opt into electronic delivery of statements or maintain at least $1 million in assets at
Fidelity will not be charged transaction fees for U.S. listed equities and exchange traded funds.