Ethos Financial Group LLC

Item 5 - Fees and Compensation
 A.      INVESTMENT ADVISORY SERVICES

 Our annual fees for Investment Advisory Services are based upon a percentage of assets under
 management and generally range from 0.25% to 2.5%. Please see each individual advisor for their
 specific fee schedule.
 A minimum of $100,000 of assets under management is typically required for this service. Minimum
 account size may be waived by Ethos at its discretion. Ethos does not have a minimum asset
 management fee.

 Annual Fees charged by Independent managers are based upon a percentage of assets under
 management and generally range from 0.10% to 0.60%.

 Fee Differentials/Conflict of Interest: Ethos shall receive an investment advisory fee based upon a
 percentage (%) of the market value of the assets placed under management (between 0.25% and 2.00%).
 Fees vary depending upon the complexity of the client relationship. Services provided by Ethos to any
 client may be available from other advisers at a lower fee. All clients and prospective clients should be
 guided accordingly. Since an Ethos investment adviser representative receives a portion of the advisory
 fee charged to the client, a material conflict of interest exists because an increase in the management
 fee paid by the client will result directly in increased compensation received by Ethos’ representative.

 Limited Negotiability of Advisory Fees: Although Ethos has established the fee ranges(s), Ethos retains
 the discretion to negotiate alternative fees on a client-by-client basis. Client facts, circumstances and
 needs are considered in determining the appropriate fee schedule. Factors include the complexity of the
 client, volume, and type of assets to be placed under management, anticipated future additional assets;
 related accounts; portfolio style, account composition and reporting requirements, among other factors.
 Each client’s specific annual fee schedule is outlined in the IMA between the adviser and the client.

                                            CONSULTING
 Ethos provides investment consulting services for a fixed fee. These fees are negotiable, but generally
 range from $10,000 to $250,000 and can be one time, quarterly or annually, depending on the level and
 scope of the services provided and the resources engaged. Fees vary based on the services provided and
 are outlined pursuant to a Consulting Agreement executed by the client.

                                      FINANCIAL PLANNING

To the extent specifically requested by a client, Ethos may provide financial planning and/or consulting
services (including investment and non-investment related matters, including estate planning, insurance
planning, etc.) on a stand-alone separate fee basis. Ethos’ planning and consulting fees are outlined in
a separate financial planning agreement between the client and Ethos’ advisors directly. Financial
planning fees are separate from, and in addition to, any investment management fees charged by Ethos.

                                              GENERAL
Mutual Fund and ETF Fees: All fees paid to Ethos for investment advisory services are separate and
distinct from the fees and expenses charged by mutual funds and/or ETFs to their shareholders. These
fees and expenses are described in each fund's prospectus. These fees will generally include a
management fee, other fund expenses, and a possible distribution fee. If the fund also imposes sales
charges, a client may pay an initial or deferred sales charge. A client could invest in a mutual fund
directly, without our services. In that case, the client would not receive the services provided by our
firm which are designed, among other things, to assist the client in determining which mutual fund or
funds are most appropriate to each client's financial condition and objectives. Accordingly, the client
should review both the fees charged by the funds and our fees to fully understand the total amount of
fees to be paid by the client and to thereby evaluate the value of the advisory services being provided.

In addition to our advisory fees, clients are also responsible for the fees and expenses charged by
custodians and imposed by broker dealers, including, but not limited to, any transaction charges imposed
by a broker dealer with which an independent investment manager effects transactions for the client's
account(s). Please refer to the "Brokerage Practices" section (Item 12) of this Form ADV for additional
information.

B.       Clients generally elect to have Ethos’ advisory fees deducted from their custodial account
directly. Both Ethos’ IMA and the custodial/clearing agreement authorize the custodian to debit the
account for Ethos’ investment advisory fee and to directly remit that management fee to Ethos in
compliance with regulatory procedures. In the limited event that Ethos bills the client directly, payment
is due promptly upon receipt of Ethos’ invoice.

C.      As discussed below, unless the client directs otherwise or an individual client’s circumstances
require, Ethos shall generally recommend that Ethos’ Custodial Firms serve as the broker-
dealer/custodian for client investment management assets. Broker-dealers such as Ethos’ Custodial
Firms charge transaction fees for effecting certain securities transactions).

In addition to Ethos’ investment management fee and transaction fees, clients will also incur, relative
to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g.,
management fees and other fund expenses).

Tradeaway/Prime Broker Fees. Relative to its discretionary investment management services, when
beneficial to the client, individual equity and/or fixed income transactions may be effected through
broker-dealers other than the account custodian, in which event, the client generally will incur either or
both of two possible charges; (1) the fee (commission, mark-up/mark-down) charged by the executing
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Item 7 - Types of Clients
Clients shall generally include, but not be limited to, individuals, trusts, family offices, foundations,
endowments, associations and other business entities related to those clients. Ethos generally requires a
minimum investment asset level of $100,000 for investment advisory services. Ethos, in its sole
discretion, may reduce or waive its minimum asset requirement based upon certain criteria (i.e.,
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
managed, related accounts, account composition, negotiations with client, etc.).