FWG Holdings LLC

Item 5 – Fees and Compensation

                                                   Fortress Wealth Group
                                          1099 W Morse Blvd, Winter Park FL 32789
                                         Phone: (407) 999-8998 * Fax: (407) 601-3308
                                                www.fortresswealthgroup.com

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or
more written agreements with the Advisor.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid monthly, in advance of each month, pursuant to the terms of the investment
advisory agreement. Investment advisory fees are based on the market value of assets under management at the
end of the prior month.

Investment advisory fees range from 0.75% to 2.00% annually based on several factors, including: the complexity
of the services to be provided, the level of assets to be managed, and the overall relationship with the Advisor.
Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities
may be charged a higher fee. The Client’s fees will take into consideration the aggregate assets under
management with the Advisor.

The investment advisory fee in the first month of service is prorated from the inception date of the account[s] to the
end of the first month. Fees may be negotiable at the sole discretion of the Advisor. Certain Clients may be offered
a tiered fee schedule, not to exceed the range of fees described above. All securities held in accounts managed by
Fortress will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the
Custodian’s valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other related costs and
expenses, which may be incurred by the Client. However, the Advisor shall not receive any portion of these
commissions, fees, and costs.

Independent Manager - As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment
portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not
earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as
described above. The Advisor will allocate a portion of the advisory fee collected to the Independent Manager
pursuant to the terms of the executed agreement between the Advisor and the Independent Manager. The total
blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.50% annually.

Financial Planning Services
Fortress typically offers financial planning services as a component of investment management services as
described above. Fortress may also offer its financial planning as a standalone service, which may be billed on an
hourly or fixed fee basis. Hourly engagements are billed at a rate of $500 per hour. Fixed engagements range from
$5,000 to $50,000. Fees may be negotiable based on the nature and complexity of the services to be provided and
the overall relationship with the Advisor. An estimate for total hours and/or total costs will be provided to the Client
prior to engaging for these services.

Financial Institution Consulting Services
Fortress receives a consulting fee based on the assets under MSI’s management from Brokerage Customers who
have provided written consent to MSI to receive the investment consulting services from Fortress. The consulting
fee is calculated from the assets under MSI’s management at the end of the calendar quarter multiplied by the
annualized rate of 0.30%. The initial fee is paid only after the completion of one full calendar quarter period
following the date of the executed agreement with MSI.

Investment Management Platform
Client accounts implemented through Betterment Institutional will be charged an annual fee of 1.00% by the
Advisor plus the Betterment Institutional wrap fee of up to 0.20% annually, based on the level of assets
implemented through Betterment Institutional. The client authorizes this fee deduction through the investment
platform agreement signed by the client, the Advisor and Betterment Institutional.

Retirement Plan Advisory Services

                                                  Fortress Wealth Group
                                         1099 W Morse Blvd, Winter Park FL 32789
                                        Phone: (407) 999-8998 * Fax: (407) 601-3308
                                               www.fortresswealthgroup.com

Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00%, billed quarterly in
arrears, pursuant to the terms of the retirement plan advisory agreement. Retirement plan fees are based on the
market value of assets under management at the end of the quarter. Fees may be negotiable depending on the
size and complexity of the Plan.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] at the beginning of the respective month. The amount due is calculated by applying the
monthly rate (annual rate divided by 12) to the total assets under management with Fortress at the end of the prior
month. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the
investment advisory fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the
Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written
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Item 7 – Types of Clients

Fortress offers investment advisory services to individuals, high net worth individuals corporations, and charitable
organizations. The amount of each type of Client is available on Fortress’ Form ADV Part 1A. These amounts
may change over time and are updated at least annually by the Advisor. Fortress generally requires a minimum
relationship size of $500,000 to effectively implement its investment process. This minimum may be waived at
Fortress’ sole discretion.