Cross State Financial Group LLC

5. FEES AND COMPENSATION
FINANCIAL PLANNING FEES
Our financial planning services are provided on a fixed or hourly fee basis in accordance with the
following fee schedule:
Fixed Fee: The fixed fee is charged when the client receives a written financial plan. The fixed
fees range between $600 and $5,000. The fixed fee range varies and depends upon the nature and
complexity of each client’s individual circumstances. Each client’s Financial Planning Agreement
shows what the client will be charged to complete the Scope of Services as defined in the
Agreement. The fixed fee rate is negotiable.
Hourly Fee: The hourly fee is charged when the client needs advice or consulting one or two
financial topics. The client does not receive a written financial plan with hourly services. Our
hourly rate that ranges from $100 to $275 an hour for financial planning services with a minimum
of two hours per engagement. The exact fee is dependent on the staff members working on the
financial plan. The number of hours will vary depending upon the complexity of the financial
situation, the estimate of hours involved, including preparation and research, staff involved, areas
to be specified and estimated in the written agreement for services. The hourly fee can be
negotiated with the client.
All financial planning fees are collected upon delivery of the financial plan or consulting service.
We reserve the right to refund or waive our financial planning fees should the client decide to enter
into an advisory agreement for portfolio management and/or the recommendation of third-party
adviser services.

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PORTFOLIO MANAGEMENT FEES/ RECOMMENDATION AND MONITORING OF THIRD-PARTY ADVISER
FEES
We charge an annual management fee for portfolio management and a monitoring fee for
monitoring third party advisers (collectively called “fees”) that are based on the client’s assets
under management according to the following schedules:
Cross State Financial Group, LLC:
        Tier 1 - For accounts with billable assets in excess of $3 Million
                (Incremental schedule)
                  $50,000 - $5 Million - 1.00% per year
                  $5 - $10 Million - 0.85% per year
                  $10 Million and over - 0.70% per year
        Tier 2 - For accounts with billable assets over $500,000 and less than $3 Million
                (incremental schedule)
                 $50,000 - $500,000 - 1.35% per year
                 $500,000 - $1 Million - 1.15% per year
                 $1 Million - $3 Million - 1.00% per year
        Tier 3 - For accounts with billable assets less than $500,000 (incremental schedule)
                 $50,000 - $100,000 - 1.50%
                 $100,000 - $500,000 - 1.35%
Cross State Financial Group, LLC – Michigan Branch fee schedule:
                 $0 - $500,000 – 1.25% per year
                 $500,000 - $1 Million – 1.00% per year
                 $1 Million - $1.5 Million – 0.90% per year
                 $1.5 Million - $2 Million – 0.80% per year
                 $2 Million and over – 0.75% per year
Advisory fees for Michigan clients are assessed based on a percentage of assets under management
in accordance with a fee schedule applicable to Michigan advisory relationships, which may differ
from the Firm’s standard advisory fee schedule.
Certain Michigan advisory fee schedules may be applied on a cliff basis, meaning that once
account assets reach a stated breakpoint, the applicable advisory fee percentage is applied to the
entire account balance rather than incrementally across asset tiers. As a result of this methodology,
clients with similar asset levels may pay different effective advisory fees depending on the
applicable fee schedule, account aggregation, or whether account values fall above or below stated
breakpoints.

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In certain circumstances, the Firm may apply an alternative advisory fee schedule for larger
household relationships based on factors such as total assets under management, anticipated
service needs, complexity of the advisory engagement, or anticipated future assets. Accordingly,
similarly situated clients may be charged different advisory fees for similar services based upon
individual client circumstances.
Advisory fees are negotiable at the Firm’s discretion and may vary based on several factors,
including but not limited to:
    •   Account size and household asset levels
    •   Scope and complexity of services to be provided
    •   Anticipated future additional assets
    •   Related accounts or client relationships
    •   Level of financial planning or coordination required
    •   Client service needs or frequency of contact
    •   Legacy fee arrangements
    •   Referral relationships
    •   Competitive fee considerations
The fees will be collected as negotiated with our client, on monthly or a quarterly basis in arrears.
(Exceptions to the timing of fee collections may be made when working with Third Party
Advisers.) The initial billing period fees will be prorated for the number of days’ services were
rendered during the billing period. The fees are calculated based upon the average daily market
value of the assets held in the account over the calendar month or quarter’s end. The client may
elect to have the fees directly deducted from the account. Please see Item 15 for additional details
related to direct fee deduction.
Our monitoring fee is exclusive of the Third-Party Adviser’s management fee, which can range
from .25% to 1.50% per year. Our monitoring fee combined with the Third-Party Adviser’s
management fee will not exceed 2.00% per year. The Third-Party Adviser’s exact management
fee will be disclosed in its client agreement.
Additionally, our fees do not cover brokerage commissions, transaction fees, and other related
...

7. TYPES OF CLIENTS
Our advisory services are offered to individuals, high net worth individuals, charities and
retirement plans. Typically, we require $50,000 to open an account. However, the minimum can
be waived at our discretion.