DDFG Inc

Item 5. Fees and Compensation
      Hillcrest Financial Group offers services for fees based upon assets under management. Additionally,
      certain of the Firm’s Supervised Persons, in their individual capacities, offer insurance products under a
      separate commission-based arrangement.

      Financial Planning and Consulting Fees

      Hillcrest Financial Group charges a fixed fee for providing financial planning and consulting services under
      a stand-alone engagement. These fees are negotiable, but range from $1,500 to $10,000 depending upon
      the scope and complexity of the services and the professional rendering the financial planning and/or the
      consulting services. If the client engages the Firm for additional investment advisory services, Hillcrest
      Financial Group can offset all or a portion of its fees for those services based upon the amount paid for the
      financial planning and/or consulting services.

      The terms and conditions of the financial planning and/or consulting engagement are set forth in the

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 Disclosure Brochure

      Advisory Agreement. For project-based services Hillcrest Financial Group requires one-half of the fee
      payable upon execution of the Advisory Agreement. The outstanding balance is due upon delivery of the
      financial plan or completion of the agreed upon services. Ongoing services are charged as described in the
      investment management section, below. The Firm does not, however, take receipt of $1,200 or more in
      prepaid fees, six or more months in advance of services rendered.

      Wealth Management Fees

      Hillcrest Financial Group offers wealth management services for an annual fee based on the amount of
      assets under the Firm’s management. This management fee varies in accordance with the following fee
      schedule:

                                    PORTFOLIO VALUE                       BASE FEE
                                      Up to $1,000,000                       1.25%
                                   $1,000,000 - $3,000,0000                 1.00%
                                      Above $3,000,000                     Negotiable

      The total portfolio value determines the base fee tier that is reached. That base fee applies to all the client’s
      managed assets. Unless stated otherwise, the Firm’s policy is to include all related client accounts,
      specifically the accounts of direct family members sharing the same residence address, for purposes of
      determining a client’s market value of assets.
      The annual fee is prorated and charged quarterly, in advance, based upon the market value of the assets
      being managed by Hillcrest Financial Group on the last day of the previous quarter as determined by a party
      independent from the Firm (including the client’s custodian or another third-party).

      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. For the initial
      period of an engagement, the fee is calculated on a pro rata basis and billed in arrears based on the market
      value of the assets on the last day of the initial billing period. In the event the advisory agreement is
      terminated, the fee for the final billing period is prorated through the effective date of the termination and
      the outstanding or unearned portion of the fee is charged or refunded to the client, as appropriate.

      Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g.
      held-away assets, accommodation accounts, alternative investments, etc.), Hillcrest Financial Group can
      negotiate a fee rate that differs from the range set forth above. Clients are advised that a conflict of interest
      exists for the Firm to recommend that clients engage Hillcrest Financial Group for additional services for
      compensation, including rolling over retirement accounts or moving other assets to the Firm’s management.
      Clients retain absolute discretion over all decisions regarding engaging the Firm and are under no obligation
      to act upon any of the recommendations.

      Retirement Plan Consulting Fees

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 Disclosure Brochure

      Hillcrest Financial Group charges an asset-based fee to provide clients with retirement plan consulting
      services. Each engagement is individually negotiated and tailored to accommodate the needs of the
      individual plan sponsor, as memorialized in the Agreement. These fees vary, based on the scope of the
      services to be rendered, and ranges up to 75 basis points (0.75%), depending upon services provided and
      the amount of assets to be advised on.

      Fee Discretion

      Hillcrest Financial Group may, in its sole discretion, negotiate to charge a lesser fee based upon certain
      criteria, such as anticipated future earning capacity, anticipated future additional assets, dollar amount of
      assets to be managed, related accounts, account composition, pre-existing/legacy client relationship,
      account retention, pro bono activities, or competitive purposes.

      Additional Fees and Expenses

      In addition to the advisory fees paid to Hillcrest Financial Group, clients also incur certain charges imposed
      by other third parties, such as broker-dealers, custodians, trust companies, banks and other financial
      institutions (collectively “Financial Institutions”). These additional charges include securities brokerage
      commissions, transaction fees, custodial fees, margin and other borrowing costs, charges imposed directly
      by a mutual fund or ETF in a client’s account, as disclosed in the fund’s prospectus (e.g., fund management
...

Item 7. Types of Clients
      Hillcrest Financial Group offers services to individuals, trusts, estates, corporations, and other business
      entities.