Financial Solutions Advisory Group Inc

Item 5: Fees and Compensation

Investment Advisory Services and Individual Portfolio Management Fees

FSAG'S fee for our investment advisory services and individual portfolio management will be debited from client
accounts as a percentage of assets under management, according to the following schedule:

                            Client Assets Under Management                           Annual Fee
                            $0 − $2,000,000                                          1.00%
                            $2,000,001 − $4,000,000                                   .75%
                            Over $4,000,001                                           .65%

Generally, a minimum of $500,000.00 of assets under management with us is required for this service. This account
size may be negotiable under certain circumstances. At its discretion, FSAG may group certain related client
accounts for the purposes of achieving the minimum account size and determining the annualized fee.

On rare occasions, we may agree to an hourly fee for our investment advisory services and individual portfolio
management. The hourly rate will vary depending on the scope and complexity of a client's financial circumstances.
Any hourly fee would be agreed upon between us and the client in writing.

Fees are charged monthly in arrears based on the market value of the client's account(s) within the last week of the
month. For partial months, fees are pro-rated. Subject to client's consent, fees are directly debited from a client's
account(s), and each client is required to provide the qualified custodian of the client's account(s) written authorization
to deduct the monthly fee described. The custodian sends the client a statement, at least quarterly, indicating all
amounts disbursed from the account. The client is responsible for verifying the accuracy of the fee calculation, as the
custodian will not verify the calculation. Payment of fees may result in the liquidation of client's securities if there is
insufficient cash in the client's account(s).

Although FSAG has established the above fee schedule, we retain the discretion to negotiate alternative fees on a
client-by-client basis. Client facts, circumstances and needs will be considered in determining the fee schedule. These
include the complexity of the client, assets to be placed under management, anticipated future additional assets, related
accounts, portfolio style, account composition, reports, and other factors.

Clients who have transitioned to FSAG from prior advisory firms have been grandfathered under the applicable fee
schedule(s) from those prior advisory firms. Therefore, the minimum account requirements and advisory fees
charged to such clients may be different from that stated above.

Financial Planning Fees

FSAG's financial planning fees are based on the nature of the services being provided, who is providing the services
and the complexity of the client's circumstances. Financial planning fees are generally calculated and charged on an
hourly basis at a rate of $250 per hour. These fees are negotiable. Although the length of time it will take to provide
a financial plan depends on each client's personal situation, we will provide an estimate for the total hours at the start
of the planning relationship. If it is determined that the estimate is materially incorrect, we will provide the client
with an updated estimate as soon as reasonably determined. We will invoice the client for the financial planning
services, and the fees will generally be due and payable upon delivery by FSAG of the completed financial plan.

FSAG reserves the discretion to reduce or waive the financial planning fees if a financial planning client chooses to
engage us for our investment advisory services and individual portfolio management.

In some circumstances, the financial plan may require the services of a specialist such as an estate attorney,
insurance specialist, or tax accountant. FSAG may recommend third-party service providers, but the client is under
no obligation to use any service provider recommended by FSAG.

Pension and Profit-Sharing Plan Consulting and Education Fees

FSAG's fee for our consulting and education services to a plan is generally charged as a .50% of the fair market
value of the assets in the plan, as determined by the plan, or its third party administrator. Although FSAG has
established the above fee schedule, we retain the discretion to negotiate alternative fees on a plan-by-plan basis.
Plan facts, circumstances and needs will be considered in determining the fee schedule. These include the
complexity of the plan, the nature of the services which FSAG will be providing, the required hours of service to be
provided, portfolio style, account composition, reports, and other factors. The specific annual fee will be
identified in the contract between FSAG and the plan.

The fee is charged quarterly in arrears based on the fair market value of the plan assets on the last business day of the
quarter. For partial quarters, the fee is pro-rated. The fee may be paid directly by the plan. Subject to the plan's
consent and disclosure to participants, the fee may be directly debited from the plan participants' accounts on an
allocated basis. A plan may be required to provide the qualified third party administrator and/or custodian of the
participants' accounts written authorization to deduct the quarterly fee described. Payment of the fee may result in the
liquidation of securities if there is insufficient cash in the accounts. The plan investment committee and/or other
fiduciary is/are responsible for verifying the accuracy of the fee.

Fees for educational services provided to plan participants and/or the investment committee are generally calculated
and charged on an hourly basis at a rate of $200 per hour. FSAG retains the right to negotiate alternative fees.

General Information
...

Item 7: Types of Clients

FSAG offers its investment advisory services and individual portfolio management to individuals (other than high net
worth individuals), high net worth individuals, corporations and other business entities, and pension and profit sharing
plans.

As previously disclosed in Item 5 (Fees and Compensation), our firm has established certain initial minimum account
requirements, based on the nature of the service(s) being provided. For a more detailed understanding of those
requirements, please review the disclosures provided in each applicable service.