HOLM & Cawley Financial Group LLC

Item 5 Fees and Compensation
 FEE BILLING: The firm's financial planning and investment advisory clients are charged advisory
 fees quarterly in advance. One quarter of the annual percentage fee is applied to the prior quarter's
 ending account balance at the beginning of each calendar quarter. Financial planning fees will be
 billed through Larson Financial Group, LLC at an agreed upon fixed rate. Please see Item 10 for
 more information regarding Larson Financial Group, LLC. Fees are negotiable based on each
 client's unique situation.

 The firm's asset management fee schedule is as follows:

                                  Total Account Value         Annual Advisory Fee
                    The First          $500,000                      2.00%
                    The Next         $1,000,000                      1.75%
                    The Next         $1,000,000                      1.50%
                    The Next         $2,500,000                      1.25%
                    The Next         $2,500,000                      1.00%
                    Over             $7,500,000                       .75%

 Unless the client provides otherwise in the advisory agreement, all fees owed to the firm will be
 automatically debited from the client's advisory account. If an account is opened after the start of the
 calendar quarter, fees will be prorated based on the number of days the account was open during
 the billing period. Unmanaged or static assets will not be included in the management fee
 calculation. The firm will have written authorization stated in the client agreement permitting the
 advisor's fees to be paid directly from the client's account held by the independent custodian.

 The firm will combine multiple household accounts to benefit from a lower tiered schedule fee. The
 firm negotiates fees on a basis of the total assets that will be managed for a client. Therefore, the
 client receives the benefit of aggregated accounts whether or not they desire multiple accounts to
 be household.

 The client or the firm upon 30 days prior written notice may terminate the investment management
 service agreement at any time. Otherwise, the agreement will automatically renew from year to year.
 Upon termination of a client agreement by either party the firm will refund within a reasonable time
 any fees paid by client but unearned by the firm. The refund will be calculated on a pro-rated basis
 for the number of days in the quarter that have expired prior to the termination of the relationship
 between the firm and the client. If a client terminates its relationship with the firm before a written
 financial plan or analysis is complete, the completed portion of that plan will be given to the client.

  OTHER FEES
A trading and processing fee and/or annual maintenance fee, borne by the client, may also be assessed to
the firm accounts by account custodian. The client will also pay brokerage fees. The fees charged by the
firm for investment management services do not include charges imposed by product sponsors (i.e. mutual
fund management fees, 12b-1 fees). Clients should read the product prospectus carefully to learn more
about the charges and fees imposed on the client by product sponsors. Please refer to Item 12: Brokerage
Practices for more information on how we select our custodians.

Form ADV - Part 2A

ADDITIONAL COMPENSATION:
Reuben Cawley, an investment advisor representative of the firm, is a licensed attorney and may
perform legal services for clients. These services would be through Reuben's law firm, and legal
fees would be paid to the law firm no to the advisory firm. This creates a conflict of interest because
he will receive reasonable and customary compensation for these services. Clients are under no
obligation to accept these services. His fees are negotiable with a base fee of $150/hour and, in
certain circumstances (i.e. estate planning), a flat fee can be negotiated based on the complexity of
the estate plan. The typical negotiated flat fee is $1,250. This creates an incentive for him to
recommend such services.

Reuben Cawley is a licensed life insurance agent. Occasionally he will recommend insurance
products to the firm's clients. When he does, he will receive the customary commission associated
with the sale of these products which creates a conflict of interest. The firm will not include these
assets in the management fee described above. He will use one of a number of companies to give
the client the best available product. Those companies include Ameritas Life Insurance Corp.,
Jefferson National Life Insurance Company, Allianz, Pacific Life, and Nationwide.

Item 7 Types of Clients
The firm has individuals, trusts, and retirement plans as clients. The typical client of Holm & Cawley
Financial Group LLC is an individual at or near retirement with assets to be managed ranging from
$150,000 to $1,000,000. The firm currently gives advice on the investment of assets inside a few
trust accounts as they pertain to the retirement plan of an existing client. In no way is this a limitation
or boundary of the type of client the firm has, but it is only a description of current clients. The firm
has no minimum requirement to maintain an account.

Form ADV - Part 2A
 Holm & Cawley Financial Group, LLC.