Financial Consultants Group Inc

Item 5: Fees and Compensation

A. Fee Schedule
Portfolio Management Fees

The table below represents the maximum fee schedule for FCG. These fees are negotiable
depending upon the needs of the client and complexity of the situation, and the final fee
schedule is attached to the Investment Advisory Agreement as Exhibit II. Clients may
terminate the agreement without penalty for a full refund of FCG's fees within five
business days of signing the Investment Advisory Agreement. Thereafter, clients may
terminate the Investment Advisory Contract generally with 5 days' written notice.

         Total Assets Under Management          Maximum Annual Fees
         First $1,000,000                       1.00%

         Next $1,000,000                        0.90%

         Next $1,000,000                        0.80%

         Next $2,000,000                        0.65%

         Over $5,000,000                        0.50%

Advisory fee calculations will be based on the platform used, with accounts using
American Funds to be calculated using daily average balance. For other platforms, the
advisory fee is calculated using the fair market value of the assets in the Account on the
last business day of the prior billing period as calculated by the custodian.

Financial Planning Fees

The negotiated fixed rate for creating client financial plans is between $2,500 and $10,000.

Clients may terminate the agreement without penalty, for full refund of FCG’s fees, within
five business days of signing the Financial Planning Agreement. Thereafter, clients may
terminate the Financial Planning Agreement generally upon written notice.

B. Payment of Fees

Payment of Portfolio Management Fees
Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a monthly or quarterly basis depending on the
custodian being used. Fees are paid in advance or in arrears, depending on the platform
used.

       Payment of Financial Planning Fees

       Financial planning fees are paid via check, Venmo, or credit card. FCG will never possess
       client credit card information. Fixed financial planning fees are paid in arrears upon
       completion.

       C. Client Responsibility For Third Party Fees

       Client accounts are responsible for the payment of all third party fees (i.e., custodian fees,
       brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
       distinct from the fees and expenses charged by FCG. Please see Item 12 of this brochure
       regarding broker/custodian.

       D. Prepayment of Fees

       FCG collects certain fees in advance and certain fees in arrears, as indicated above.
       Refunds for fees paid in advance will be returned within fourteen days to the client via
       check, or return deposit back into the client’s account.

       For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
       the fees collected in advance minus the daily rate* times the number of days elapsed in
       the billing period up to and including the day of termination. (*The daily rate is calculated
       by dividing the annual asset-based fee rate by 365.)

       E. Outside Compensation For the Sale of Securities to Clients

       Neither FCG nor its supervised persons accept any compensation for the sale of
       investment products, including asset-based sales charges or service fees from the sale of
       mutual funds.

Item 7: Types of Clients

FCG generally provides advisory services to the following types of clients:

       ❖       Individuals and Families
       ❖       High-Net-Worth Individuals
       ❖       Corporations and Trusts

There is no account minimum for any of FCG’s services.