Family Financial Group

Item 5: Fees and Compensation

        Investment Management Fees: Clients pay an annual asset management fee that is billed monthly in
arrears. Fees are deducted. Fletcher determines its fee by taking their fair market value of assets in a client’s
account on the last day of the month and applying the fee as specified on the fee schedule. Fees are generally
negotiable. Our fee schedule is presented below:

                                         Annual Fee Not to Exceed: 1.50%

          Financial Planning Fees: For our financial planning clients, fees are billed as incurred and range from $00
to $20,000. All fees paid to Fletcher are separate and distinct from other fees clients may incur. These include
fees and expenses paid to mutual funds, exchange traded funds (ETFs), real estate investment trusts (REITs), and
alternative investments. Clients will also incur fees from custodians and platforms. In addition, clients will pay
brokerage and transaction costs—see Item 12 – Brokerage Practices for more discussion of our brokerage
practices. For External Managers, clients should review each External Manager’s Form ADV 2A disclosure brochure
and any contract they sign with the External Manager (in a dual contract relationship). The client is responsible
for all such fees and expenses.

        Insurance Services Fees: Fletcher, its President and other advisor(s) agrees to be compensated on all
insurance products, including but not limited to Life Insurance, Annuities, and Long-Term Care Solutions, as a

                                                                                         FLETCHER FINANCIAL GROUP | FIRM BROCHURE | 5

commission to be determined by the underlying insurance company. We do not believe that an advisor should
charge a “firm fee” in addition to the fee or commission that is being supplied by the insurance companies.

         Nursing Home Planning Fees: For nursing home planning, Fletcher charges the equivalent of the average
one-month stay in a local nursing home OR the actual specific one-month charge. In addition, we offer our client
or their representatives a choice of $500 per succeeding year to renew and oversee the renewal process or one-
time $1,000 total charge to renew for the duration of their life or up to a maximum of 10 years. If client lives
beyond the 10 year period, the $500 per year charge will ensue. Occasionally, there are other charges that will be
paid to create a proper plan. Fletcher will fully disclose all fees that will be charged before the plan will be finalized.

        Clients do not pay fees in advance so that no refunds will need to be paid out. Should a client terminate
the relationship Fletcher will be entitled to the portion of its fee through the effective date of termination.

       Neither Fletcher nor any of its supervised persons accepts compensation for the sale of securities or other
investment products.

Item 7: Types of Clients

        Fletcher provides its services to individuals, high net worth individuals, and families.