D & G Advisory Group LLC

Item 5 – Fees and Compensation
D & G charges an annual investment management fee of 1%, which is based on the assets in
the client accounts at the end of the previous quarter. We bill these fees to the client
quarterly, in arrears. We then instruct the account custodian to directly debit fees from the
client’s account. D & G’s investment management fees are negotiable.

We also occasionally charge hourly fees for specific financial planning and investment
management services. Additionally, for implementing or setting up client accounts that
require a larger than normal time commitment by D&G, the firm may require the client to
pay an hourly fee if the client decides to not to pursue D&G’s portfolio management
services after the funds have been transferred to the new custodian by the adviser. We
review and confirm this rate ahead of time with the client. We also review and adjust these

rates periodically. In no instance do we accept any advance fee for financial planning
services that is more than $500, six months or more in advance of completing the work.

The client may terminate the Financial Advisory Agreement within five (5) business days
after signing it, in order to receive a full repayment of any fees paid. After that, we will keep
a portion of the fee, if pre-paid, based on the actual services performed up until we received
a notice of termination. We charge investment management accounts initiated or
terminated during a calendar quarter a prorated fee. Upon termination of any account, any
prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due
and payable.

Whether or not clients choose to purchase any recommended product does not affect the
fees charged for financial services. Clients may be able to find lower fees for comparable
services from other sources.

D & G’s fees do not include brokerage commissions, transaction fees, and other related
costs and expenses which shall be incurred by the client. Clients may have to pay certain
charges imposed by custodians, brokers, third party investment and other third parties
such as fees charged by managers, custodial fees, deferred sales charges, odd-lot
differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes
on brokerage accounts and securities transactions. Mutual funds and exchange-traded
funds also charge internal management fees, which are disclosed in a fund’s prospectus.
Transaction fees are necessary to process trades in brokerage accounts, and are not
commissions.

Such charges, fees and commissions are separate from D & G’s fee, and we shall not receive
any portion of these commissions, fees, and costs. The account custodian fully discloses
these fees and expenses to the client.

The section headed Item 12 – Brokerage Practices further describes the factors that D &
G considers in selecting or recommending broker/dealers for client transactions and
determining the reasonableness of their compensation (e.g., commissions).

Additionally, D & G receives Rule 12b-1 shareholder servicing and/or distribution fees
from mutual fund sponsors or their affiliates in connection with the investments in client
accounts. The client, like other shareholders of mutual funds, will bear a proportionate
share of such fund's advisory, administrative, Rule 12b-1 fees, as well as the account fees
on account assets invested in these fund shares. Other, unrelated parties may also receive
Rule 12b-1 shareholder servicing and/or distribution fees, as well as other marketing
payments from mutual fund sponsors or their affiliates in connection with the investments
in the account. Please see the prospectus of the mutual fund for information on specific
12b-1 fees paid by clients.

Clients have the option to purchase investment products that we recommend through
other brokers or agents that are not affiliated with D & G. Account fees and transactions

charges may be higher or lower at Schwab than at other broker/dealers offering similar
services.

Item 7 – Types of Clients
D & G provides financial planning and portfolio management services primarily to high-net
worth individual clients. We also serve retirement accounts, trusts, estates, charitable
organizations, and corporations. We are not setting up ERISA-based accounts. However,
we do manage retirement accounts for clients that have the option of establishing self-
directed retirement accounts through their plan sponsors.