Independent Financial Group LLC

ITEM 5 – FEES AND COMPENSATION

     A. Compensation for Advisory Services- Adviser is compensated for advisory services by fees based on the value of client accounts at the
     end of each billing period. Advisory fees are generally billed either quarterly or monthly in advance or in arrears as agreed upon in the clients
     advisory agreement. All advisory fees within the Adviser’s programs are negotiable and are based on a variety of factors, including account
     size, services provided, and program selected. Transaction charges and other third-party fees are subject to change.

     1. Fees and Transaction Charges - The fees and transaction charges below reflect the advisory fees charged by Adviser and IAR. For
     additional charges for services provided by Pershing, clients should refer to the account opening documentation. The advisory fee schedule is
     in effect for, and will continue until, thirty (30) days after IAR notifies the client in writing of any change in the amount of fees applicable to the
     client's account. The new fees will be effective unless the client notifies IAR in writing that the account management is to be terminated.

     AP Client Fee Schedule
     Total Client Fee = Advisor Fee + Program Fee + transaction charges

                                                                            Maximum
                                     Platform Assets                        Allowable                   Program
                                                                            Advisor                     Fee
                                                                            Fee

                                     Up to $250,000                         2.00%                       0.16%
                                     $250,000 - $500,000                    2.00%                       0.12%
                                     $500,000 - $1 Mil                      2.00%                       0.10%
                                     $1 Mil - $2 Mil                        2.00%                       0.06%
                                     $2 Mil - $5 Mil                        2.00%                       0.05%
                                     Assets above                           2.00%                       0.04%
                                     $5,000,000

2.     I-Design II Program (JGD) and Adviser Plus II (AGY) - Client pays an annualized advisory fee or a flat fee in addition to brokerage
       transaction charges. The maximum advisory fee is 3.00% per year. The advisory fee is negotiable and can be reduced due to the unique
       circumstances of each client. To see what client would pay for transactions please refer to the investment advisory client services agreement.

3.     CAM Client Schwab Program Costs - Client pays an annualized advisory fee or a flat fee in addition to brokerage transaction charges. The
       maximum advisory fee is 3.00% per year. The advisory fee is negotiable and can be reduced due to the unique circumstances of each client. To see
       what client would pay for transactions please refer to Schwab’s most recent pricing schedules available at www.schwab.com/pricing.

4.     Fees and Transaction Charges - For information concerning charges for brokerage and other services provided by Schwab, clients should
       refer to information to Schwab’s most recent pricing schedule available at www.schwab.com/pricing. The advisory fee schedule reflected
       in client’s agreement with Adviser is in effect for, and will continue until, thirty (30) days after IAR notifies the client in writing of any
       change in the amount of fees applicable to the client's account. The new fees will be effective unless the client notifies IAR in writing
       that the account management is to be terminated.

5. No Load Variable Annuity Program Services Costs - Clients pay an annualized advisory fee for the IAR to manage the sub-accounts. The
   maximum advisory fee is 3.00% per year. The advisory fee is negotiable and can be reduced depending on the unique circumstances of
   each client.

 Fee Schedule - For additional charges for services imposed by the insurance carrier, clients should refer to the carrier’s fee schedule in
 the prospectus. The advisory fee schedule is in effect for, and will continue until, thirty (30) days after IAR notifies the client in writing of
 any change in the amount of fees applicable to the client's account. The new fees will be effective unless the client notifies IAR in writing that
 the account management is to be terminated.

     6.   Financial Planning and Consulting Services Fees - All fees and services are negotiable and specified under the terms of the Financial
          Planning/Consulting Agreement.
          Hourly Financial Consulting: Fees for hourly financial consulting may be collected in advance or in arrears.
          Fixed Fee Services: A fixed fee can be charged as documented in the Financial Planning/Consulting Agreement. The agreed upon
           fee can vary by client or arrangement depending upon the services provided or complexity of the client situation. Clients may pay a
           portion of the fee in advance and the balance upon completion of services.
          Subscription Based: The subscription-based fee for the financial planning program will be stated in the Financial
           Planning/Consulting Agreement. Clients may pay a portion of the fee in advance and then on a systematic basis, generally monthly
           or quarterly.

In cases where the client has paid their fee or a portion of their fee in advance, the client will have five (5) days after signing the agreement to
terminate without penalty. If the client terminates the agreement after the first five days, the client will receive a refund of the fees paid or a
...

ITEM 7 – TYPES OF CLIENTS

Adviser through its IARs provides investment advisory services to individuals, high net worth individuals, trusts, business owners, corporations,
and corporate pension and profit-sharing plans.

Account Minimums - Adviser has established the following account minimums. If the account value falls below the stated minimum, the
Adviser may require the deposit of additional funds/securities or terminate the Program account.

     AP Client, I-Design II, and Adviser Plus II (I-Design II and Adviser Plus II are currently closed to new business with limited
      exceptions): The minimum account value for these Programs is $25,000 however IAR may choose to lower this minimum for certain
      clients in house-holding situations (not applicable to AP Client).
     CAM Client Schwab : The minimum account value for these Programs is $50,000; however, IAR may choose to lower this minimum
      to $5,000 for certain clients in house-holding situations.
     Annuity Direct Advisory: The minimum account value for these Programs is $25,000; however, IAR may choose to lower this
      minimum to $5,000 for certain clients in house-holding situations as long as the annuity allows for a lower minimum.
     Third Party Asset Manager Programs: The minimum account value for these Programs is determined by the third-party asset manager
      and may be negotiable depending on the program.
     RPS - Retirement Plan Services are available to clients that are sponsors or other fiduciaries to plans, including 401(k), 457(b), 403(b)
      and 401(a) plans. Plans include participant-directed defined contribution plans and defined benefit plans. Plans may or may not be subject
      to ERISA. IFG does not require a minimum asset amount for Retirement Plan Services.