HFG Advisors Inc

Item 5 – Fees and Compensation
  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.

                                           HFG Advisors, Inc. d/b/a Hackman Financial Group
                                         7355 E. Kemper Road, Suite A, Cincinnati, OH 45249
                                                        Phone: (513) 891-5300
Page 7                                            http://www.hackmanfinancial.com

  A. Fees for Advisory Services
  Investment Management Services
  Investment advisory fees are paid quarterly, in advance of each calendar quarter, 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 quarter. Investment advisory fees range from 0.30% to 1.50% 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 investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
  end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fee will take into
  consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
  by Hackman Financial Group will be independently valued by the Custodian. The Advisor will conduct periodic
  reviews of the Custodian’s valuation to ensure accurate billing.

  Clients may make additions to and withdrawals from their account[s] at any time, subject to Hackman Financial
  Group’ right to terminate an account. Additions may be in cash or securities provided that Hackman Financial
  Group reserves the right to liquidate any transferred securities or decline to accept particular securities into a
  Client’s account[s]. Clients may withdraw account assets on notice to Hackman Financial Group, subject to the
  usual and customary securities settlement procedures. However, Hackman Financial Group designs its portfolios
  as long-term investments and the withdrawal of assets may impair the achievement of a Client’s investment
  objectives. Hackman Financial Group may consult with its Clients about the options and ramifications of transferring
  securities. However, Clients are advised that when transferred securities are liquidated, they are subject to
  transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax
  ramifications.

  Use of Independent Managers
  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. Independent
  Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee
  with an increased level of assets placed under management with an Independent Manager. The terms of such fee
  arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the
  Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will
  not exceed 2.00% annually.

  Financial Planning Services
  Hackman Financial Group offers financial planning services either on an hourly basis or for a fixed fee per
  engagement. Hourly engagements are billed at a rate of up to $250 per hour. Fixed fee engagements are based on
  expected number of hours to complete the engagement deliverable[s] at the negotiated hourly rate, but typically
  range up to $5,000. Certain complex engagements may be offered for a fee that exceeds $5,000. 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.

  Retirement Plan Advisory Services
  Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.50%. 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 Custodian and deducted from the Client’s account[s]. The Client
  shall instruct the Custodian to automatically deduct the investment advisory fee from the Client’s account[s] for each
  billing period and pay the investment advisory fee[s] to the Advisor. The amount due is calculated by applying the
  quarterly rate (annual rate divided by 4) to the total assets under management with Hackman Financial Group at
                                         HFG Advisors, Inc. d/b/a Hackman Financial Group
                                       7355 E. Kemper Road, Suite A, Cincinnati, OH 45249
                                                      Phone: (513) 891-5300
Page 8                                          http://www.hackmanfinancial.com

  the end of each quarter. 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
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Item 7 – Types of Clients

  Hackman Financial Group offers investment advisory services to individuals, high net worth individuals, trusts,
  estates, businesses, charitable organizations and retirement plans. Hackman Financial Group generally does not
  impose a minimum size for establishing a relationship, however certain Independent Managers may impose a
  minimum fee.