Darden Wealth Group Inc

Fees & Compensation (Item 5)
Ongoing Wealth Management Clients - Assets Under Management (AUM)

For clients opting for ongoing management, we offer three tiers of service in addition to
our pension services. Fees for all wealth management plans are debited directly from the
client’s account(s). However, payment by check can be arranged under special
circumstances upon request.

                    Annual Wealth Management Fee Schedules

Household assets Darden Advantage Plus Darden Advantage             Darden Community
                                                                    Advantage

< 500k                        n/a
                                                     2.00%
First $1 Million             1.00%                                            0.50%

Next $1 Million             0.90%
                                                                     Negotiable Under Certain
Next $1 Million             0.80%                                        Circumstances

Next $1 Million             0.70%

Next $1 Million             0.60%

Above $5 Million          Negotiable

Under all service plans, managed Individual Retirement Plan Assets
(403(b)/401(a)/457/401(k) plans) are charged a discounted flat fee of 0.5% of assets under
management unless total household assets are below 500k.

All advisory fees are computed and deducted quarterly. The fees on portfolio values are
computed at one-quarter of the annual rate based upon the previous business day valuation
from the date charged. No fees are charged before any services are provided.

All stock-based investment accounts above 500k use the Darden Advantage Plus fee schedule.

Darden Advantage Plus: This service is available for clients with at least $500,000 in
investable assets. As a part of the Advantage Plus service, clients receive ongoing
financial planning services without any extra fees. Depending on the account size,
investments are usually managed using individual stocks and/or index ETFs.

 Darden Advantage Clients: This service is available to clients with less than $500,000 in
 investable household assets. Investments are usually managed using index ETFs/funds.
 As a part of the Advantage service, clients receive ongoing financial planning service
 without any extra fees.

 Darden Community Advantage: This reduced fee service is only available to foundations and
 nonprofit entities (501[c][3] organizations). Depending on the account size, investments are
 usually managed using individual stocks, and/or index ETFs and adheres to the
 organization’s investment guidelines.

 Fees are negotiable under special circumstances.

 Clients are responsible for any additional fees their custodian may charge for brokerage
 fees, wire transfers, transaction costs, trading commissions, etc. These fees are paid directly
 to the custodian for their services. Please see pages “Brokerage Practices” on page 8 for
 more details.

 We focus on individual stocks and bonds in client accounts to reduce fees and increase
 control. When portfolios include mutual funds and/or exchange-traded funds (“ETFs”), a
 layering of fees can occur, as these vehicles have internal fees paid directly to the fund. All
 funds charge annual expenses to cover the fund’s operating costs, including management
 fees, distribution and service fees (commonly known as 12b-1 fees), and general
 administrative expenses. These expenses are deducted from the fund before its returns are
 calculated.

Flat Fee

The flat fee can range from $1,500 to $25,000 per quarter, depending on the complexity of
planning needs and services required.

Hourly

We charge $400 an hour for hourly work. This includes a one-off financial plan not included in
other services, educational seminars and speaking engagements, and additional services not
offered otherwise.

       Educational Seminars/Workshops

       Darden Wealth Group provides periodic educational seminars and workshops to
       clients and the general public. The hourly rate for this service is $400 an hour,
       which includes prep time (at least 1 hour) plus scheduled workshop time. Fees are
       paid in arrears via AdvicePay or check.

Pension Consulting Services Fees

There is a one-time plan set-up fee of $500 to $2,000, depending on the scope of services
needed by the Plan Sponsor and employee base.

The fee varies depending on the number of participants, and the level and scope of the
services required. Minimum fee of $5,000 annually. Fees are payable in advance on a
quarterly basis and will be deducted from plan assets or from each participant as allowed by
plan rules. Employers may also choose to pay plans fees directly via check or bank draft.
 Clients or Participants may choose additional wealth management services for ½%.

Tax Analysis and Preparation Services Fees

Darden Wealth Group performs tax analysis and tax data entry services. Fees for these
services generally begin at **$250**, depending on the complexity of the client’s tax
situation. Prior to beginning any work, the client will typically receive an estimate based on a
review of the prior year’s tax return and related information.

Tax return preparation and filing are performed by an independent Certified Public
Accountant (“CPA”) with whom Darden Wealth Group maintains a professional relationship.
The CPA is a separate and independent professional and is not an employee of, nor under
common control with, Darden Wealth Group. The CPA’s minimum fee for tax preparation
and filing services is **$200**, and additional fees may apply depending on the complexity of
the return.

Performance-Based Fees and Side-By-Side Management (Item 6)
Darden Wealth Group does not charge fees based on the performance of the account. We also
do not charge hourly fees in addition to asset-based fees.

Types of Clients (Item 7)
Darden Wealth Group provides financial services to a wide range of clients. These clients may
be private individuals, educational facilities, business owners, foundations, and non-profit
organizations. Our financial requirement is the client must have $500,000 of investable assets.
This can include retirement assets.

Methods of Analysis, Investment Strategies, and Risk of Loss (Item 8)
Darden Wealth Group uses a fundamental approach to investing using stocks, bonds, mutual
funds, publicly traded real estate, CDs and Cash. Fundamental analysis involves looking at
companies and investments using financial ratios (P/E, P/B, Cash flows) to determine the
merits of an investment. We also look at the macro-economic and technical indicators to make
final investment decisions; this is even more relevant when making tactical allocations and
picking individual stocks.

Our investment strategy looks for investment ideas with the ability to sustain growth or value
over the longer term (typically over 2 years and beyond). We may use tactical allocation from
time to time and use cash as an asset class while also employing hedging strategies to protect
downside risk in the markets.

Fundamental investing is based on making quantitative decisions of a company’s financial
information and using analysis of its business, competition, and economic environment. Stock

markets and companies are dynamic and constantly changing. There are risks associated with
using a fundamental approach to investing. Fundamental investing is also impacted by
legislative and political influences. Investing in the market involves risk of loss in which clients
should be prepared to bear. We do not guarantee performance, nor is past performance
indicative of future results.

For clients wanting hourly services, we only suggest portfolio allocations and do not provide
specific investment recommendations, due to the risks associated with one-time portfolio
advice.