Goldstone Financial Group LLC

Item 5: Fees and Compensation

 A. Fee Schedule

The following are the fee schedules assessed to accounts using Goldstone Financial Group, LLC for
portfolio management investment advisory services:

 Charles Schwab (formerly TD Ameritrade) Accounts:

                   Charles Schwab                                         Charles Schwab
       Standard Transaction-Based Portfolio                       Standard Wrap-Based Portfolio
              Management Service Fees                                Management Service Fees
     Total Client Assets                                    Total Client Assets
                                Total Annual                                           Total Annual
      Under Advisory                                         Under Advisory
                               Management Fee                                        Management Fee
       Management                                             Management
   First $1,000,000                  1.20%                 First $500,000                 1.50%
   Next $1,000,000 to                                      Next $500,001 to
                                     0.90%                                                1.20%
   $3,000,000                                              $1,000,000
   $3,000,000+                       0.65%                 Next $1,000,000+               0.95%

 Fidelity Accounts:

                                   Fidelity Transaction-Based Account
                                        Management Service Fees
     Total Client Assets
                               Goldstone Annual         Sub-Adviser Annual           Total Annual
      Under Advisory
                               Management Fee            Management Fee             Management Fee
       Management
   First $1,000,000                   1.20%                       0.10%                  1.30%

   Next $1,000,000 to
                                      0.90%                       0.10%                  1.00%
   $3,000,000

   $3,000,000+                        0.65%                       0.10%                  0.75%

GFG’s Wrap-Based Portfolio Management program is only available for those accounts utilizing the
custodian Charles Schwab. This will limit the available models and strategies for those clients opting
to use Fidelity to custody their accounts. For accounts utilizing a wrap-based program, GFG will wrap
all fees (i.e., custodian fees, brokerage fees, transaction fees, third-party fees, etc.) within the annual
management fee assessed to the client. For any Transaction-Based portfolios the client may be charged
trade transaction fees assessed by the custodian directly to the account at the time of the transaction
depending on the investment product being traded. In addition, fees assessed by the custodian may also
be charged to a Transaction-Based account that would not be charged to a Wrap-Based account. All
transaction fees are determined by the custodian’s respective fee schedules and available on request. If
a client opts to utilize a Transaction-Based portfolio, the client will be responsible for all fees assessed
by the custodian directly to the account. Please note, the custodians used by GFG offer reduced
transaction fees on certain types of trades to clients who opt to receive trade confirmations and/or
monthly statements electronically in lieu of paper copies sent by physical mail. For additional
information, please review the custodian’s fee schedules and discuss with your representative.

Please note, fees and other expenses are charged to the client by the underlying financial companies
and their investment products (ETFs, Mutual Funds, etc.). These products may be used in both the
wrap and non-wrap programs. Clients will indirectly bear these fund expenses in addition to the direct
management and respective custody fees applicable to each program.

Not all managed allocation models used by GFG are available as a transaction-based managed account.
Client should be aware a transaction-based portfolio will be assessed a lower annual management fee
compared to wrap-based portfolio management fees, but the total fees charged to the account may be
more/less expensive than a wrap-based portfolio when including trading and other custodial costs.
Please review all models, expected trading levels, and applicable fees before investing. Management
fees differ for each custodian and certain portfolio models are not available on both platforms. Please
note, GFG receives different compensation amounts from each custodian and a potential conflict may
exist when recommending a custodian. Please review all fees before selecting a custodian.

Certain models recommended by GFG may be managed by third-party money managers or sub-
advisers. The use of a money manager or sub-adviser may add to the client’s total annual management
fees above the rates listed in the fee schedules above, however GFG’s compensation will not exceed the
rates stated. Any additional costs are paid to the third-party money manager or sub-adviser. Clients
should be aware the use of a money manager or sub-adviser is not required and may not be available
on a custodian. To determine the added management costs please refer to the money-manager or sub-
adviser’s respective ADV Part 2 and review with your investment adviser representative.

All fees are negotiable depending upon the needs of the client and the complexity of the situation.
GFG reserves the right to reduce or waive management fees for a client or an account in select instances.
GFG employees and their family members may receive advisory services at a reduced fee rate or waived
entirely. The final fee schedule is included as part of the c l i e n t ’ s Investment Advisory Contract.

For purposes of calculating the advisory fee, GFG uses the value of the account as of the end of the last
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Item 7: Types of Clients

GFG generally provides advisory services to the following types of clients:
  -   Individuals             - High-Net-Worth Individuals

Minimum Account Size for Portfolio Management
There is an account minimum of $250,000, which may be waived by GFG in its discretion. Accounts
with lower balances may not be eligible for all investment models offered by the firm and/or may not
receive the recommended model allocation percentages in holdings that do not allow for fractional
shares, which may impact account performance.