Greenbush Financial Group LLC

Item 5 – Fees and Compensation

In addition to the information provide in Item 4, Advisory Business, this section provides details
regarding Advisor’s services along with descriptions of each service’s fees and compensation
arrangements.

Newsletters and Videos

Advisor offers newsletters and videos to clients at no charge. This material can be delivered by e-mail,
blog, and U.S. mail and are informational in nature. No specific investment advice or recommendations is
given. Prospective clients can also request to receive this information.

Financial Planning Services

We offer full and modular financial planning services. Full services include, but are not limited to:

    •    Estate planning
    •    Investment planning
    •    Insurance planning
    •    Retirement planning
    •    Education funding

You can also elect to focus on a more specific area of concern. However, focusing on one or more
specific areas may not take other important issues into consideration that could impact the analysis and
recommendations of our investment advisor representatives (“representatives”) and your objectives.

Investment advisor representatives (“IAR”) meet with you to gather information and documentation
needed to perform an analysis and review. IAR’s rely on the information provided by the Client.
Therefore, it is very important that the information provided by the Client be complete and accurate.
Greenbush Financial Group services do not include legal or tax advice. Therefore, with the Clients

Greenbush Financial Group, LLC                                                               Disclosure Brochure

permission, our IAR’s may also gather information and advice from your other professional consultants
(i.e., attorney, accountant, etc.). Clients are also encouraged to seek the advice of qualified attorneys
and accountants. Greenbush or it’s IAR’s are not responsible for verifying the information supplied by the
Client or for verifying the information and advice provided by the Clients other professional consultants.

After completing a review and analysis of the information and documents received, the IAR’s may
develop recommendations on investment solutions to help the Client meet their financial goals and
objectives. These recommendations may be presented to Clients as a written and/or oral plan. Clients
have sole responsibility for deciding whether or not to implement our recommendations and advice. If the
Client decides to implement the recommendations, then the Client is responsible for taking any actions or
implementing any transactions required.

You are also free to select any broker/dealer to implement our recommendations. Michael Ruger and
Robert Mangold are also independently licensed insurance agents. If you elect to follow the
representatives’ recommendations, you could select Michael Ruger, Robert Mangold, or Brad Harkness
to implement the transactions. In this case, they could receive fees in their capacity as investment
advisor representatives and receive commissions in their capacity as independent insurance agents.

If the client enters into an investment advisory agreement with Greenbush Financial Group, the financial
planning fees are included in this service and the fees for the ongoing financial planning is included in the
asset-based fee disclosure in the asset management agreement.

If a client engages GFG just for financial planning and does not maintain investment accounts with GFG,
the fees for financial planning services are charged at a maximum of $1,000 per hour but are negotiable
depending on the complexity of your financial situation, the actual services provided by GFG and the
relationship that GFG has with the Client. The IAR calculates the number of hours needed to complete
the requested service, multiply that by the hourly rate, and quote a fee for the requested services. The
quoted fee is given prior to any services being provided but the actual total fee may vary based on the
actual amount of time that it takes to complete the financial plan. A retainer of one-half of the quoted fee
is due at the time the client agreement is signed with the remainder due upon presentation of the plan to
the Client and receipt of the GFG billing statement. GFG in its sole discretion has the ability to waive the
fee collected at the time the client agreement is signed and collect the full fee for financial planning
services once the financial service is delivered to the client.

If Clients elect to implement our representatives’ advice using one of the other advisory programs
described in this Brochure, we may receive on-going fees. In this event, our representatives may decide
to waive or reduce the financial planning fees charged. The representatives consider the amount of time
spent on the initial services requested and the anticipated amount of fees earned from the other advisory
program(s) you contract for. The representatives always inform you of any reduction or waiver of financial
planning fees before they provide any additional advisory services.

For fee based financial planning services, our services terminate upon presentation of the requested
financial service. However, either party can terminate services at any time by providing written notice to
the other party. Termination is effective immediately upon receipt of the notice. If services are terminated
before completion, fees are calculated on a prorated basis and you are responsible for paying fees for the
time and effort expended by us prior to the effective date of termination. Fees are calculated using the

Greenbush Financial Group, LLC                                                              Disclosure Brochure

original hourly rate quoted and a prorated refund is issued or a prorated fee is due. We provide you with
an invoice detailing the services provided and refund or fees due.

Investment Consulting Services
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Item 7 – Types of Clients

Advisor generally provides investment advice to the following types of clients:

    •    Individuals
    •    Trusts, corporations, estates, or charitable organizations
    •    401(k) plans, pension plans, and profit sharing plans