Infinity Advisory Group LLC

Item 5 – Fees and Compensation

In certain circumstances, all fees, account minimums and their applications to family circumstances may be
negotiable.

Advance fee payments will never exceed $500 for work that will not be completed within six months.

IAG has contracted with FPAS for services including trade processing, collection of management fees, record
maintenance, report preparation, marketing assistance, and research. IAG has also contracted with FPAS for
sub-advisory services with respect to clients’ accounts. IAG pays a fee for FPAS services based on management
fees paid to IAG on accounts which use FPAS. The fee paid by IAG to FPAS varies based on the total client
assets administered and/or sub-advised by FPAS through IAG. These fees are not separately charged to
advisory clients. The fee charged by IAG to its clients includes all sub-advisory fees charged by FPAS.

The specific manner in which fees are charged by IAG is established in a client’s written agreement with IAG.
Investment Management clients will be invoiced in advance at the beginning of each calendar quarter based
upon the value (market value based on independent, third-party sources or fair market value in the absence of
market value; client account balances on which IAG calculates fees may vary from account custodial
statements based on independent valuations and other accounting variances, including mechanisms for
including accrued interest in account statements) of the client’s account at the end of the previous quarter.
New accounts are charged a prorated fee for the remainder of the quarter in which the account is incepted
(date of first trade). If a client has a significant one-off cash flow within a calendar quarter equal to $10,000 or
greater, the advisory fee will be prorated based on the number of days remaining in the quarter.

For Investment Management services, IAG will request authority from the client to delegate discretion to
trade in the client’s account, and to receive quarterly payments directly from the client's account held by an
independent custodian. Clients may provide written limited authorization to IAG or its designated service
provider, FPAS, to withdraw fees from the account. Clients will receive custodial statements showing the
advisory fees debited from their account(s). Certain third-party administrators will calculate and debit IAG’s
fee and remit such fee to IAG.

A client agreement may be canceled at any time, by either party, for any reason upon receipt of 30 days
written notice. Upon termination of any account, any prepaid, unearned fees will be promptly refunded. The
client has the right to terminate an agreement without penalty within five business days after entering into
the agreement.

IAG’s fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses
which shall be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, third-
party investment and other third parties such as fees charged by managers, custodial fees, odd-lot

differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions. Mutual funds and exchange traded funds also charge internal
management fees, which are disclosed in a fund’s prospectus. These fees will generally include a management
fee and other fund expenses. All fees paid to IAG for investment advisory services are separate and distinct
from the fees and expenses charged by mutual funds and ETFs to their shareholders.

Such charges, fees and commissions are exclusive of and in addition to IAG’s fee, and IAG shall not receive any
portion of these commissions, fees, and costs. (Brokerage Practices are described under Item 12 of this
Brochure).

Advisory Fees

The annual fee for investment management services will be charged as a percentage of assets under
management, according to the schedule below:

                           Assets Under Management                          Annual Fee (%)
                              On the first $500,000                            1.25%
                   On the next $1,500,000 (up to $2,000,000)                   1.00%
                   On the next $3,000,000 (up to $5,000,000)                   0.75%
                  On all amounts thereafter (above $5,000,000)                 0.50%

IAG generally requires a minimum account size of $250,000 for Investment Management Services. Smaller
accounts may be accepted, for example, based on the expectation that the account will reach the account
minimum through additional client contributions.

All accounts for members of the client’s family (husband, wife and dependent children) or related businesses
may be assessed fees based on the total balance of all accounts.

Financial Planning Services:

IAG Financial Planning fees are determined based on the nature of the services being provided and the
complexity of each client’s circumstances. All fees are agreed upon prior to entering into a contract with any
client.

Financial planning fees will be charged in one of two ways:

   1. On an hourly basis ranging from $150 to $400 per hour.

   2. As a fixed fee, typically ranging from $1,000 to $10,000, depending on the nature and complexity of
      the engagement, the number of financial planning topic analysis areas requested by the Client, the
      amount of hours to complete the engagement and the different reports to be produced. Fixed fees
      shall be mutually agreed upon with Client.

An estimate for total hours may be determined at the start of the advisory relationship. 50% of the estimated
fee may be due upon signing the advisory agreement, with the balance due upon presentation of the plan to
the client. IAG will never hold client funds greater than $500 for more than six months in advance of
completion of the financial plan.

Item 7 – Types of Clients

IAG provides services to individuals, trusts, charitable organizations, and businesses.