Gerstemeier Financial Group LLC

Item 5 Fees and Compensation

      Description: GFG charges fees as a percentage of assets under management, hourly charges,
      or fixed fees. GFG believes the fee for services under the Agreement is reasonable in light of
      the services provided, however, lower fees for comparable services may be available from
      other sources. In some instances, all GFG fees may be negotiable.

                                     Gerstemeier Financial Group, LLC

Financial Planning Fixed Fee:
For a financial plan, GFG charges a fixed fee predicated upon the facts known at the start
of the engagement based on the scope and complexity of the services needed for Client’s
stated financial needs and goals. GFG’s fee reflects the complexity of each client’s
particular financial situation by taking into account the amount of services needed by the
Client, the types of services, and to what extent the services are needed. The typical fee
range is $1,500 to $8,000. Actual fees are dependent on a client’s needs and individual
situation. In the event that the client’s situation is substantially different than disclosed at
the initial meeting, a revised fee will be provided for mutual agreement. The client must
approve the change of scope in advance of the additional work being performed when a
fee increase is necessary.

Financial Planning Hourly Fee: For limited scope financial planning engagements, GFG
will charge an hourly rate of $325 per hour for the time expended to provide the requested
services.

Investment Management Fee:
For its investment management services, GFG charges a fee based on the assets under
management according to the fee schedule below. GFG may exclude non-managed
account balances (i.e. individual, Trust, 529, IRA, 401(k) accounts) when determining the
fee.) Some of these non-managed accounts may not have asset management fees. As a
result, GFG may be in a conflict of interest when it recommends clients transfer their
accounts to be managed by GFG.

As of January 1, 2017, GFG has instituted the following fee schedule:
Total Assets Under Management                            Annual %
                First $1 Million                        1.00%
                Next $2 Million                         0.85%
                Next $2 Million                         0.70%
                Next $5 Million                         0.60%
                Amounts above $10 Million               0.50%

Current client relationships may exist where the fees are higher or lower than the fee
schedule above. The minimum annual fee for new clients after January 1, 2017, is
$10,000. Accounts of less than $1,000,000 may be accepted when the client and the
advisor anticipate the client will add funds to the accounts bringing the total to
$1,000,000 within a reasonable time, or the client is receiving financial planning services
in addition to investment management services that would otherwise be charged a fee in
a separate financial planning agreement. Other exceptions will apply to employees of
GFG and their relatives, or relatives and referrals of existing clients or other contacts.

Retirement Plan Consulting Fee:
In the event a client engages GFG to provide retirement plan consulting services, GFG will do
so on a fee basis. GFG will charge an annual management fee either as a fixed fee or an assets
under management fee based upon a percentage of the market value of the assets GFG is
managing. GFG’s annual management fee is exclusive of, and in addition to, brokerage
commissions, transaction fees and other related costs and expenses that the client may incur.
GFG will not receive any portion of these commissions, fees and costs. For retirement plan

                          Gerstemeier Financial Group, LLC

     consulting clients who pay a fee based upon a percentage of the market value of the assets GFG is
     managing, GFG’s annual management fee will be prorated and charged quarterly in advance and
     is based upon the market value of the assets GFG is managing on the last day of the previous
     quarter.

     The annual management fee varies, depending upon the market value of the assets under
     management and the type of services to be rendered. These fees generally will have a
     minimum charge of $2,500 per year for clients paying a fixed fee, or the annual fee ranges
     from 0.50% – 1.00% for clients paying based on a percentage of the market value of the
     assets GFG is managing. GFG, in its sole discretion, may negotiate to charge a lesser
     annual management fee based upon certain criteria (e.g., anticipated future additional
     assets, dollar amount of assets to be managed, related accounts, account composition, pre-
     existing client relationship, account retention).

     Tax preparation Fee
     GFG’s tax preparation services are billed at a rate of $325 per hour. Minimum fee for tax
     preparation is $150. Eligible federal and applicable state returns may be filed
     electronically. Additional fees may apply.

Fee Billing
     Fees for GFG’s investment management services will be invoiced on a quarterly basis, in
     advance. Account assets are valued on the last business day of the previous calendar
     quarter. The first fee will be based upon the value of the account on the last business day
     of the quarter and will be prorated to cover from the date the account is opened to the end
     of the first calendar quarter. The fee is deducted from a designated client account directly
     by the custodian upon GFG’s instruction. If a client has more than one account, the fee
     may be pro-rated between the accounts or deducted from individual accounts as
     determined by the client or by GFG in the client's best interest. The client must consent in
     advance to direct debiting of their account(s).

     Fees for financial planning are billed with a down payment, typically $250, before work
...

Item 7 Types of Clients
    Description
         GFG generally provides investment advice to individuals, pension and profit-sharing
         plans, trusts, estates, charitable organizations, and/or corporations or business entities.
         Client relationships vary in scope and length of service.

    Account Minimums
        The minimum annual fee for investment management engagement is $10,000 which equates to
        a minimum account size of $1,000,000 of assets under management. As mentioned previously,
        GFG has sole discretion to waive the minimum fee under certain circumstances.