Financial Connections Group Inc

Item 5 - Fees and Compensation
Financial Planning
The firm provides financial planning on a Project or Ongoing basis.
Hourly/Project-Based Financial Planning
Project-Based Financial Planning is billed hourly. The current hourly rate is $500; billed in 15-
minute increments, and a partial increment will be treated as a whole.
The estimate for the plan is based on the scope of the project. A 25% deposit is required along
with the requested documents before the project begins.
Ongoing Financial Planning – Annual
A fixed fee will be based on scope and complexity of the tasks to be achieved over the 12
months paid quarterly. A 25% deposit is required along with the requested documents before
starting the plan. Future quarters are billed in arrears.
Tax Preparation Services
Previously, Ongoing Management Services clients have been offered tax preparation services.

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Fees are charged at the hourly rate of $500 and are negotiable at the discretion of a principal of
the firm. However, this service is no longer offered to new clients.
Investment Services
Financial Connections Group, Inc. charges an annualized asset-based fee for its investment
management services as depicted in the table below.
The annual fee for investment management services provided are based upon a percentage (%)
of the market value of the Assets under management in accordance with the fee schedule in the
Agreement signed by the Client. We consider cash to be an asset class and part of Assets under
management and subject to the same fee calculation as the Client’s non-cash investments.

                             Management Service        Current Annual Management
                                                                   Fee

                             Customized Portfolio*          1.0% of Assets under
                                                               Management

                                    Held-Away Assets        1.0% of Assets under
                                                               Management

*Customized Portfolio management account minimum $400,000
If investment clients contact us with questions unrelated to their portfolios, they may be billed at
our hourly rate in 15 minutes increments.
Endowments
An investment policy statement is drafted with those responsible for the endowment. Items
contributing to the policy are:

      •     Distribution amounts and frequency;

      •     Amount of money available for mid and long-term growth;

      •     Any bias of the endowment (i.e. socially responsible funds); and

      •     Any restrictions required by the endowment.
At minimum, an annual meeting is advised for review. Quarterly performance reports are sent
to the designated representative. Fees are a percent of assets managed or a flat fee as noted in
earlier sections that are reviewed every two years.
“Householding” Accounts
At its discretion, the firm may aggregate or “household” accounts (including multiple accounts) for
the same individual or two or more accounts within the same family or related parties, or accounts
where a family member/related party has power of attorney over another family member/related
party or incompetent person's account. Should, however, investment objectives be substantially
different for any two or more household accounts requiring different investment approaches, the
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firm reserves the right to apply its fee schedule separately to each account.
Billing Cycle and Fee Assessments
Asset-based fees for Customized Portfolio Investment Management services are billed quarterly
in arrears based on the market value of the assets under management on the last business day
of the previous quarter. Fees for these services are prorated based on deposits and withdrawals
over $100.
There are clients with fixed/retainer fees. The account’s first billing cycle will occur at the end of
the current cycle once the account is funded. Irrespective of a partial period under the firm’s
management, however, it may be prorated.
Fee payments will generally be assessed within ten business days following each calendar billing
period. For those accounts held by client's selected brokerage firm or custodian that the firm
does not maintain an agreement, fees will be withdrawn from the client’s account at Charles
Schwab and Co., Inc. Direct billing is at the client’s request and fees will be due in full upon
receipt of the firm’s invoice.
For purposes of determining account asset value, securities and other instruments traded on a
market for which actual transaction prices are publicly reported will be valued at the last
reported sale price on the principal market in which they are traded. If there are no sales on
such date, then they will be determined by the mean between the closing bid and asked price on
such date. Other readily-marketable securities will be valued using a pricing service or through
quotations from one or more dealers. In the absence of a market value, Financial Connections
Group, Inc. may seek an independent third party opinion or through a good faith determination
by a qualified firm associate.
The applicable ongoing management fees referenced include all fees and charges for the
services of the firm and its investment adviser representatives. The client will be required to
authorize in writing a selected broker/dealer or custodian (“service provider”) to deduct advisory
fees, applicable transaction charges, etc., from client accounts and all such fees will be clearly
noted on client statements. Further information involving the firm’s custodian relationship is
described in Section 12 of this document.
For those clients that have previously engaged the firm to perform financial planning services,
the fee may be different than those fees described above.
In all instances, the client shares the responsibility of verifying the accuracy of fee calculations in
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Item 7 - Types of Clients
The firm offers its services to individual investors, couples, non-traditional couples, LGBTQ
community, trusts, estates, endowments, profit sharing plans, and small businesses of various
scales.
Clients or their legal representative (i.e., under a durable power of attorney) are expected to
provide an adequate level of information and supporting documentation to the firm throughout

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the term of the engagement, including source of funds, income levels, client or legal agent’s
authority to act on behalf of the account, among others. This will allow the firm to determine
the appropriateness of its investment strategy for the client or account.
The firm does not require minimum dollar value of assets or other conditions for any of its
hourly financial planning. For Customized Investment Portfolio clients, the firm generally
requires an account minimum of $400,000.1
Financial Connections Group, Inc. may charge a lesser asset-based fee determined by certain
other criteria (i.e., existing financial planning client, anticipated future earning capacity,
anticipated future additional assets, dollar amount of assets to be managed, related accounts,
account composition, negotiations with client, existing client referral, etc.).
The firm reserves the right to decline services to any prospective client for any reason.