Demars Financial Group LLC

Item 5 Fees and Compensation
Asset Management
Our fee for asset management services is based on a percentage of your assets we manage and is set forth
in the following fee schedule:

Accounts directly managed by Demars Financial Group LLC
         Account size            annual management fee                 Frequency of billing
         $0 ‐ 500,000             1.5% annual management fee
                                 (based on prior ending account       0.375% billed quarterly in
                                            balance)                          advance
                                   1% annual management fee              (by fee deduction)
       Greater than $500,000
                                 (based on prior ending account   0.25% billed quarterly in advance
                                            balance)                     (by fee deduction)

          $1 million +           0.90% annual management fee      0.225% billed quarterly in
                                 (based on prior ending account   advance (by fee deduction)
                                            balance)

Accounts directly managed by Demars Financial Group LLC with Custody at Nationwide
         Account size            annual management fee               Frequency of billing
         $0 ‐ 500,000             1.5% annual management fee
                                 (based on prior ending account   0.1250% billed monthly in arrears
                                            balance)                    (by fee deduction)
       Greater than $500,000       1% annual management fee
                                 (based on prior ending account   0.0833% billed monthly in arrears
                                            balance)                     (by fee deduction)
                                 0.90% annual management fee             (by fee deduction)
          $1 million +                                            0.075% billed quarterly in
                                 (based on prior ending account   advance(by fee deduction)
                                            balance)

Fees are charged quarterly from the date the account is opened and billed according to grid(s).

If the investment advisory agreement is executed at any time other than the first day of a calendar quarter,
our fees will apply on a pro rata basis, which means that the advisory fee is payable in proportion to the
number of days in the quarter for which you are a client. Our advisory fee is negotiable, depending on
individual client circumstances.

We will deduct our fee directly from your account through the qualified custodian holding your funds and
securities and in limited circumstances and upon special request we may invoice you directly for payment of
fees. We will deduct our advisory fee only when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian.

    • We send you an invoice showing the amount of the fee, the value of the assets on which the fee is
      based, and the specific manner in which the fee was calculated.

    • The qualified custodian agrees to send you a statement, at least quarterly, indicating all amounts
      dispersed from your account including the amount of the advisory fee paid directly to our firm.

You may terminate the investment advisory agreement within 5 business days of entering into the

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agreement without penalty. Thereafter, you may terminate the agreement upon 30-days’ written notice to
our firm. You will incur a pro rata charge for services rendered prior to the termination of the agreement,
which means you will incur advisory fees only in proportion to the number of days in the quarter for which
you are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive a prorated
refund of those fees.

We encourage you to reconcile our invoices with the statement(s) you receive from the qualified custodian.
If you find any inconsistent information between our invoice and the statement(s) you receive from the
qualified custodian please call our main office number located on the cover page of this brochure.

Financial Planning
We charge a negotiable fee of $250 per hour for financial planning services which is collected upon
completion of services. Our fees are negotiable and will depend on the scope and complexity of the plan,
your situation, and your financial objectives. An estimate of the total time/cost will be determined at the start
of the advisory relationship. In limited circumstances, the cost/time could potentially exceed the initial
estimate. In such cases, we will notify you and request that you approve the additional fee.

In general, and in our discretion, we provide certain financial planning services at no additional cost to our
asset management clients. However, the determination to waive the financial planning fee will be made
based on the scope and complexity of the services provided.

You may terminate the financial planning agreement within 5 business days of entering into the
agreement without penalty. Thereafter, financial planning services terminate upon delivery of the applicable
services to the client. Otherwise, you may terminate the financial planning agreement upon 30 days written
notice to our firm. You will incur a pro rata charge for services rendered prior to the termination of the
agreement. If you have pre-paid fees that we have not yet earned, you will receive a prorated refund of
those fees.

In some cases we may waive or offset the financial planning fees should you choose to implement the
advice through our asset management services as described above or by purchasing insurance or a
...

Item 7 Types of Clients
We offer investment advisory services to high-net-worth individuals, pension and profit sharing plans, trusts,
estates, charitable organizations, corporations, and other business entities.

Minimum Account Size
In general, we require a minimum account size of $500,000 for equity accounts and $300,000 for fixed
income accounts. At our discretion, we may waive these minimum account sizes. For example, we may
waive the minimum if you appear to have significant potential for increasing your assets under our
management.

Third party money managers may have minimum account sizes. This disclosure will be made in the
documents that are provided by the third-party money manager.