Financial Guidance Group Inc

Item 5 – Fees and Compensation

   General Fee Information

     Fees paid to Financial Guidance Group are exclusive of all custodial and transaction costs paid to your
     custodian, brokers or other third party consultants. Please see Item 12 – Brokerage Practices for additional
     information. Fees paid to us are also separate and distinct from the fees and expenses charged by mutual
     funds, exchange traded funds (“ETFs”) or other investment pools to their shareholders (generally including
     a management fee and fund expenses, as described in each fund’s prospectus or offering materials). Fees
     paid to sub-advisor to whom we delegate certain responsibilities are paid by us. Information about sub-
     advisors used is available in the sub-advisors Form ADV Part 2 Disclosure Brochure which is available upon
     request. You should review all fees charged by funds, brokers, Financial Guidance Group and others to fully
     understand the total amount of fees you pay for investment and financial-related services.

Ongoing Wealth Planning and Investment Management Fees

  Financial Guidance Group offers a disciplined, risk-managed and tax-efficient portfolio management
  solution to its clients. As noted above, ongoing wealth planning services are also provided in conjunction
  with management of your portfolio for one all-inclusive fee. Fees applicable to these services are based
  on a percentage of your assets under management (AUM), as follows:

                          Annual AUM Fee               Quarterly AUM Fee
                  1.00% $0 - $1,000,000                     0.25%
                  0.80% from $1,000,001 - $3,000,000        0.20%
                  0.60% from $3,000,001 - $5,000,000        0.15%
                  Fees are negotiable above $5,000,000

                             General Initial Client Minimum Portfolio Size
                   Client Age Range                     Minimum Portfolio Amount Required
                       40 years+                                   $500,000.00
                 Younger than 40 years                             $250,000.00
                  ** All clients are subject to a $625.00 minimum quarterly fee. **

  We believe a graduated portfolio minimum allows younger clients with simpler financial lives to engage us
  at a reasonable fee, while recognizing that clients closer to retirement have more complex financial needs.

  Financial Guidance Group may, at its discretion, make exceptions to the foregoing or negotiate special fee
  arrangements where we deem it appropriate under the circumstances.

  AUM fees are billed quarterly in advance, at one-fourth of the annual fee multiplied by the aggregate
  market value of your accounts on the last trading day of the preceding calendar quarter. If the first period
  of investment management for your portfolio is less than one full quarter, the fee is pro-rated for that
  partial quarter.

  Included in your account paperwork is a written authorization to your custodian to automatically deduct
  the fees from your account and send the fees to Financial Guidance Group.1 If your account does not have
  a sufficient cash or money market balance to cover the fees or is restricted from automatic debiting of fees,
  securities in your account may be sold in an amount sufficient to cover the fees unless other payment
  arrangements are made. Your account’s custodian will reflect the amount of the deduction on your
  account statement.

  Deposit and Withdrawals
  You may make additions to your account at any time. Additional assets received in your account after it
  is opened will be charged a pro-rata fee based upon the number of days remaining in the billing period.

           For assets withdrawn by you, we have the option to refund management fees on a pro-rata basis.
           Withdrawals made by you may require modifications and adjustments to be made to your portfolio to
           correct your asset allocation.

           Termination
           You have five (5) business days after entering into an agreement with us to cancel investment management
           services and not incur any fees charged by us. Thereafter, should you want to terminate investment
           services on a day other than the last day of a calendar quarter, you will be refunded a prorated share of
           the fees, if any, that have been prepaid for that quarter.

           To terminate our investment management services, send a written notice to us at least 10 days prior to
           the actual termination date. Include in the notice clear instructions on what you want done with your
           account (i.e., liquidate the account, finalize all transactions and/or cease all investment activity). Once
           we have received your termination notice and have implemented your instructions, we are no longer
           responsible for the management of your portfolio.

1   Any alternative payment method must be agreed upon in writing in the Investment Advisory Agreement.

       Standalone Wealth Planning Fees

           Our standalone wealth planning fees are based on the following: size, complexity, and nature of your
           personal and financial situation. The amount of time taken to analyze and summarize the plan as well as
           perform the services desired by you will also be considered.

           Comprehensive
           All comprehensive planning services are offered on a fixed fee basis and will range from $3,000 to
           $10,000 for the initial engagement. 2 The fee will be fully disclosed before you sign the Wealth Planning
           Contract (“Planning Agreement”). The Planning Agreement will include the cost 3 to review your financial
           information and prepare the comprehensive plan. One-half the fee will be due at the time the Planning
           Agreement is signed with the remaining half due upon completion.

           Targeted
...

Item 7 – Types of Clients

     Our Typical Clients

        We serve a wide range of clients, from those just starting out to those preparing for, or already in
        retirement. We also work with companies to help them structure retirement plans as well as other
        fiduciaries needing investment management and consulting services.

        We generally require that clients 40+ years of age have at least $500,000 in assets to engage us for
        portfolio management services. For clients under 40 years of age, $250,000 is the minimum required
        portfolio. The minimum quarterly fee per client portfolio is $625. We may make exceptions or reduce
        these minimums at our discretion.

     Who We Serve

        As long-time practitioners in the wealth planning and investment management fields, we believe we are
        well-equipped to be of the most benefit to:
              Individuals who want objective, fee-only advice that is not driven by commissions or sales

                fees
               People who want an organized, simplified and disciplined approach to their finances
               People who lack the time, knowledge, inclination, or temperament to go it alone in personal
                financial matters
               Those who want a second opinion on financial issues and investment portfolios
               Individuals who need anything from a coordinated plan to advice on a single financial matter
               Creative individuals including artists, musicians, producers, and artist company management
                executives

       Our clients are those who are just starting out (Generation Y, born 1977- 2002), those who are pre-
       retirement (Generation X, born 1965-1976), and those who retiring or in retirement (Baby Boomers,
       born 1946-1964) and people who are responsible for their company's retirement plans. We help clients
       who serve as trustees or fiduciaries develop prudent plans for managing assets. Whether you manage a
       family trust or charitable foundation, we can help you build the value prudently with a focus on tax
       efficiency.