Creative Investment Group LLC

Item 5 - Fees and Compensation

Creative charges fees based on a percentage of assets under management as well as fixed fees, depending
on the particular types of services to be provided. Creative may charge additional fees such as an account
maintenance fees to offset the costs from the custodian. The specific fees charged by Creative for services
provided will be set forth in each client’s agreement.

     A. Financial Planning and Investment Management Services

Fees for Investment Management Services
Creative charges an annual investment management services fee that is agreed upon with each client and
set forth in an agreement executed by Creative and the client. The annual investment management fee is
based on a percentage of the value of assets under management and is paid monthly in advance. For
accounts opened after the beginning of a new calendar quarter the Management Fee for the initial quarter
will be paid starting at the end of the first month based on the asset value of the client’s accounts as of the
last business day of that month. For subsequent quarters, the investment management services fees will be
paid in advance based on the asset value of the client’s accounts as of the last business day of that quarter.
For purposes of fee calculation, the asset value of client accounts include cash and cash equivalents.
Creative adjusts on cash flows for clients assets; if assets are deposited into or withdrawn from an account
after the inception of a billing period, the fee payable with respect to such assets is adjusted to reflect the
interim change in portfolio value as related to the deposit/withdrawal and billed or charged not later than at
the time of the next billing. Creative does not reduce investment management services fees for margin
borrowing, regardless of whether the assets are in cash or other securities. Creative has a financial incentive
to recommend that clients borrow money for the purchase of additional securities for the client’s account
managed by Creative or otherwise not liquidate some or all the assets Creative manages. Creative addresses
this conflict of interest by this disclosure and working to ensure that any recommendation to a client

Creative Investment Group                                                  Disclosure Brochure

regarding the use of margin is suitable for the client. The annual advisory fee ranges up to 1.50% (per
annum). A $150 annual account administration fee will apply to all accounts opened with Creative, unless
waived by Creative at our discretion.

Fees for Set-up & Maintenance of Collateral Accounts
In instances where clients ask Creative Investment Group to open and maintain collateral accounts with
Pershing, Goldman Sachs, or any applicable custodian(s), Creative will charge an ongoing $1500 annual
maintenance fee for those accounts with Pershing to offset the additional labor associated with opening and
maintain an account with Pershing. Creative does not charge any advisory fees on the collateral accounts,
only an ongoing maintenance fee. This fee is separate from and in addition to any other advisory fees paid
by the client for advisory services.

The Collateral Account Maintenance Fee covers services such as:
    Coordination with the custodian regarding account setup and documentation
    Periodic review of collateral positions to ensure compliance with strategy or credit-facility
       requirements
    Administrative support and internal monitoring related to the Collateral Account
    Reporting assistance and client communications related to collateral requirement

The Collateral Account Maintenance Fee is assessed by the Firm, not by the custodian, and the Firm does
not receive any portion of custodian‑imposed fees. Clients remain responsible for any separate fees charged
by the custodian, including their own account maintenance fees, transaction fees, or administrative charges.
These custodian charges are not included in and are separate from the Firm’s Collateral Account
Maintenance Fee. The Firm does not negotiate or control custodian fee schedules. Clients should review
the custodian’s fee disclosures carefully and contact the Firm with any questions about the Firm’s fee
structure.

Fees for Financial Planning and Consulting Services
Clients that are receiving financial planning services only are charged a fixed fee ranging from up to
$100,000, depending upon the complexity of a client’s plan and services provided. For clients receiving
ongoing financial planning services the annual fee is charged quarterly. For financial planning services that
are completed upon the delivery of the financial plan to the client, the fixed fee can be charged in quarterly
installments, or otherwise in full upon delivery of the completed financial plan. Actual fees charged are
clearly outlined in the financial planning agreement and clients receive invoices reflecting the amount of
the fee due and payable.

Fees for Investment Management Services to Retirement Plans
Retirement plan advisory clients will be charged an asset-based fee. The annual advisory fee for retirement
plan clients ranges up to 1% (per annum).

Notwithstanding the foregoing, Creative and the client may choose to negotiate advisory fees that vary from
the ranges set forth above. Factors upon which a different advisory fee may be based include, but are not
limited to, the size and nature of the relationship, the services rendered, the nature and complexity of the

Creative Investment Group                                                   Disclosure Brochure

products and investments involved, time commitments, and travel requirements. The investment
management services fee charged by the Firm will apply to all of the client’s assets under management,
unless specifically excluded in the client agreement. The investment management services fee may include
...

Item 7 - Types of Clients

Creative offers investment advisory services to individuals, including high net worth individuals, and
entities, including, but not limited to, family offices, trusts, estates, private foundations, endowments, and
qualified retirement plans. Creative does not impose a minimum portfolio size or a minimum initial
investment to open an account. However, Creative does reserve the right to accept or decline a potential
client for any reason in its sole discretion.