Family Wealth Advisory Group LLC

Fees and Compensation
Description
              FWAG bases its fees on a percentage of assets under management or fixed
              minimum fees.
              Financial plans are priced according to the degree of complexity associated
              with the client’s situation.

Fee Billing
              Investment management fees are billed quarterly, in advance, meaning that
              client fees are due at the beginning of the three-month billing cycle based on
              the prior calendar quarter-end account value or beginning investment value.
              Payment in full is expected upon invoice presentation. Fees are typically
              deducted from a designated client account to facilitate billing, but in certain
              circumstances, direct invoicing may be offered by FWAG.
              Fees for financial plans are billed 50% in advance, with the balance due upon
              delivery of the financial plan for plans that exceed $2,400.

                                 Family Wealth Advisory Group, LLC®

Other Fees
             Custodians may charge transaction fees on purchases or sales of certain
             stocks, mutual funds, and exchange-traded funds. These transaction charges
             are generally small and incidental to the purchase or sale of a security. The
             selection of the security is more important than the nominal fee that the
             custodian charges to buy or sell the security.
             The firm’s compensation is solely from fees paid directly by clients. The firm
             does not receive commission based on the client’s purchase of any financial
             product, including insurance. No commissions in any form are accepted.

Expense Ratios
             Mutual funds charge a management fee for their services as investment
             managers. The management fee is called an expense ratio. For example, an
             expense ratio of 0.50 means that the mutual fund company charges 0.50% for
             their services. These fees are in addition to the fees paid by you to FWAG.
             FWAG does not receive any portion of these services fees as compensation.
             Performance figures quoted by mutual fund companies in various publications
             are after their fees have been deducted.

Past Due Accounts and Termination of Agreement
             FWAG reserves the right to stop working on any account that is more than 90
             days overdue. In addition, FWAG reserves the right to terminate any financial
             planning engagement where a client has willfully concealed or has refused to
             provide pertinent information about financial situations when necessary and
             appropriate, in FWAG’s judgment, to providing proper financial advice. Any
             unused portion of fees collected in advance will be refunded within 30 days.

Types of Clients
Description
             FWAG generally provides investment advice to individuals, high net worth
             individuals, trusts, and estates.
             Client relationships vary in size of account, scope, and length of service.

                                Family Wealth Advisory Group, LLC®

Account Minimums
          FWAG does not impose investment minimums on its clients. However,
          Advisors of FWAG do have the discretion to determine whether potential
          clients who are at or below the minimum fee scales should become clients of
          the firm based on the payment of those minimum fees.

Methods of Analysis, Investment Strategies and Risk of Loss