HFG Wealth Management LLC

Item 5 - FEES AND COMPENSATION

    Comprehensive Wealth Management Fees

    All clients who engage HFG for Comprehensive Wealth Management Services will pay
    an initial fee which will be determined and disclosed prior to the start of the engagement,
    which partially covers the completion of the information gathering process, setting up
    accounts and other preliminary administrative and planning work required for HFG to
    support a new client. The client has the right to terminate the contract without penalty
    within five business days after entering into the contract. Any fees will be refunded within
    the five-business day period. Additionally, ongoing Comprehensive Wealth
    Management fees are generally payable quarterly in advance and are charged based on
    the value of accounts managed at market close on the last day of the prior quarter end,
    as valued by the custodian.

    If management begins after the start of a quarter, fees may be prorated accordingly, with
    the initial fee charged in arrears at the first quarter close after the engagement and
    based upon the account market value at the same quarter’s close. Fees on deposited
    funds are charged as the deposits are made and are calculated on a pro rata basis.
    Fees are calculated based on a percentage of assets under management, as valued by
    the custodian at the close of market on the last trading day of the quarter and are not
    calculated based on a percentage of capital gains. The fee schedule for new clients is
    as follows. Accounts in the same household are normally aggregated and treated as one
    account for fee billing purposes.

    Fee Schedule

    This fee shall vary between (0.5% and 2.0%) depending on the:
        •   Market value of the assets under management
        •   Complexity of the client’s financial situation
        •   Level of management services to be rendered

    Fees may be adjusted based on:
        •   Future consideration of assets under management
        •   Related accounts
        •   Other factors as determined by the lead advisor

    The Firm generally requires a minimum of $1,000,000 in investable assets per
    relationship with a minimum annual fee of $15,000. If applicable, an administration fee is
    charged under the section “Unified Managed Account Program (“UMAP”) fees” below.
    The Firm reserves the right to charge an initial planning fee as stated in the Investment
    Advisory Agreement. It is therefore possible that clients receiving the same service
    from HFG are paying different fees. Advisory fees are negotiable.

    Additionally, ongoing Comprehensive Wealth Management fees are generally payable
    quarterly, in advance and are charged based on the account value at market close of the

                                                           Part 2A of Form ADV: Firm Brochure
                                                                 HFG Wealth Management, LLC

prior quarter end. If management begins after the start of a quarter, fees may be
prorated accordingly, with the initial fee charged in arrears at the first quarter close after
the engagement and based upon the account market value at the same quarter’s close.
Fees on deposited funds are charged as the deposits are made and are calculated on a
pro rata basis, charging for the remaining days in the quarter.

General Consulting Fees

The Firm also provides consulting on an as-needed basis outside its other programs,
such as business valuation. This service is provided on an hourly basis (at $400/hour)
or as otherwise negotiated and noted on the agreement with the client. There is a
minimum two-hour charge for all work billed hourly. Fees are due either upon
completion of the consulting work or upon receipt of an invoice.

Unified Managed Account Program (“UMAP”) Fees

When appropriate to meet the goals and objectives of a client, HFG may recommend
the use of a sub-adviser to provide portfolio management, account administrative and
reporting services directly to its clients. In these instances, the total fees to be charged
by HFG and the sub-adviser will be outlined in separate applicable agreements with the
client. In some instances, there may be slight variations internally between the two fees
of HFG and a sub-advisor depending on which entity conducts the administrative
services provided, however the total fee to the Client will not be impacted. Please see
the section titled “Other Financial Industry Activities and Affiliations” for more detailed
information on the UMAP program.

Other Fees

All fees paid to HFG for investment advisory services are separate and distinct from the
fees and expenses charged by mutual and money market funds (described in each
fund’s prospectus) and ETFs to their shareholders. These fees will generally include an
internal management fee and other expenses. Fees paid to HFG are exclusive of all
custodial and transaction costs paid to account custodian, brokers, Sub-advisers or
o t h e r third-party consultants, for which the client is responsible. The client should
review all fees charged by mutual funds, ETFs, HFG and others to fully understand the
total amount of fees to be paid by the client. Some custodians charge a transaction fee
for trading in certain mutual funds, which would not be the case if the client were to have
a separate account held directly by the mutual fund company. The custodian charges
these fees for the convenience of having access to multiple mutual fund companies
through one account. HFG clients may pay such transaction fees to their account
custodian.

Smaller portfolios may include investments in funds with no transaction fees. The
circumstances under which this class of funds may be used is generally with portfolios
ranging from $50,000 to $250,000. In some cases, this class of funds may have higher
internal expense ratios compared to their institutional class equivalent; however, the
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Item 7 - TYPES OF CLIENTS

    HFG generally provides investment advice to individuals, high net worth individuals,
    families, trusts and estates. Advice may extend to entities related to the client such as
    small businesses and charitable organizations, including foundations and endowments.
    Client relationships vary in scope and length of service.

Item 8 - ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS

    Investment Committee

    HFG has an Investment Advisory Committee. This team consists of Mr. Larry Harvey,
    ChFC®, President, Kevin Bruce, CIO, and Matthew Harvey. Accounts are generally
    managed in models developed by the Investment Advisory Committee. Although these
    analysts provide useful inputs to HFG’s portfolio and model construction, Mr. Larry Harvey
    determines the final composition and management of all portfolios available to HFG
    clients. Please see the section titled “Other Financial Industry Activities and Affiliations” for
    more detailed information on the services Bellatore provides to HFG and HFG clients as
    directed by HFG.