Fiduciary Benefits Group

Item 5: Fees and Compensation
Please note, unless a Client has received this brochure at least 48 hours prior to signing an Advisory
Contract, the Advisory Contract may be terminated by the Client within five (5) business days of signing
the Advisory Contract without penalty.

How we are paid depends on the type of advisory services we perform. Below is a brief description of our
fees, however, you should review your executed Advisory Contract for more detailed information
regarding the exact fees you will be paying. No increase to the agreed-upon advisory fees outlined in the
Advisory Contract shall occur without prior Client consent.

Retirement Plan Consulting and Management
The fee is based on a percentage of assets under management and is negotiable. The annualized fees
for investment management services are based on the following fee schedule:

                    Assets Under Management                  Annual Advisory Fee
                         $0 - $10,000,000                            1.00%
                      $10,000,001 and above                   negotiable, flat fee

For accounts 10,000,000 and under, the annual advisory fee is paid quarterly in arrears based on the
average daily balance of the Client’s account(s). The advisory fee is a straight tier. In determining the
advisory fee, we may allow accounts of members of the same household to be aggregated. FBG relies
on the valuation as provided by Client’s custodian in determining assets under management. Our
advisory fee is prorated for any partial billing periods occurring during the engagement, including the
initial and terminating billing periods.

For accounts over 10,000,000, fees are paid quarterly in arrears. The fee is dependent upon variables
including the specific needs of the Client, complexity, estimated time, research, and resources required
to provide services to you, among other factors we deem relevant. Fees are negotiable and the final
agreed upon fee will be outlined in your Advisory Contract.

This does not include fees to other parties, such as record keepers, custodians, or third-party
administrators. FBG relies on the valuation as provided by Client’s custodian in determining assets under
management. Our advisory fee is prorated for any partial billing periods occurring during the engagement,
including the initial and terminating billing periods.

Providers can use different calculation methods to determine quarterly fees. Many use the average daily
balance, while some use the account value at the end of the quarter. Refer to your contract or ask your
advisor to determine which method is being used.

Investment Management Services
The fee is based on a percentage of assets under management and is negotiable. The annualized fees
for investment management services are based on the following fee schedule:

                    Assets Under Management                   Annual Advisory Fee
                          $0 - $4,000,000                             1.00%
                      $4,000,001 - $7,000,000                         0.90%
                     $7,000,001 - $10,000,000                         0.80%
                      $10,000,001 and Above                         Negotiable

The annual advisory fee is paid quarterly in arrears based on the average daily balance of the Client’s
account(s). The advisory fee is a straight tier. For example, for assets under management of $8,000,000,
a Client would pay 0.80%.

In determining the advisory fee, we may allow accounts of members of the same household to be
aggregated. FBG relies on the valuation as provided by Client’s custodian in determining assets under
management. Our advisory fee is prorated for any partial billing periods occurring during the engagement,
including the initial and terminating billing periods.

Fee Based Annuities

The fee is based on a percentage of the account value and is negotiable. The annualized fees for Fee
Based Annuities are based on the following fee schedule:

                    Assets Under Management                   Annual Advisory Fee
                          $0 - $4,000,000                             1.00%
                      $4,000,001 - $7,000,000                         0.90%
                     $7,000,001 - $10,000,000                         0.80%
                      $10,000,001 and Above                         Negotiable

The annual advisory fee is paid quarterly in arrears based on the average daily balance of the Client’s
account(s). The advisory fee is a tiered fee. For example, for assets under management of $5,000,000, a
Client would pay 1.00%. The quarterly fee is determined by the following calculation: (($4,000,000 x
1%)+($1,000,000 x .90%)) ÷ 4 = $12,250.00.

In determining the advisory fee, we may allow accounts of members of the same household to be
aggregated. FBG relies on the valuation as provided by Client’s custodian in determining assets under
management. Our advisory fee is prorated for any partial billing periods occurring during the engagement,
including the initial and terminating billing periods. Clients may make additions or withdrawals from their
account at any time; however, FBG reserves the right to adjust our advisory fees on a pro-rata basis on
account of any such cash-flow transactions.

Fee Payment

For Retirement Plan services, fees are either paid directly by the plan sponsor or deducted directly from
the plan assets by the custodian. Please refer to Item 15 of this Brochure regarding our policy on direct
fee deduction. Clients may also pay by electronic funds transfer (EFT) or check.

For Investment Management Services, we deduct our advisory fee from one or more account(s) held at
an unaffiliated third-party custodian, as directed by the Client. Please refer to Item 15 of this Brochure
regarding our policy on direct fee deduction.

Other Types of Fees and Expenses
...

Item 7: Types of Clients
We provide consulting and education services to Corporate Retirement Plans, Non-Profit Organizations,
Profit Sharing Plans, Defined Benefits Plans and other businesses. We provide financial planning and
investment management services to individuals and high-net-worth individuals.

We do not have a minimum account size
requirement..