Journey Financial Group Inc

Item: 5 Fees and Compensation
Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account and is
set forth in the following annual fee schedule:

              Assets Under Management                        Annual Fee - Maximum Fee
                       $100k - $1M                                         1.25%
                        $1M - $3M                                           .95%
                        $3M - $5M                                           .90%
                       $5M - $10M+                                  .85% / negotiable

This is a tiered fee schedule, meaning the entire balance of the managed accounts in your household will
be charged the fee in the corresponding tier listed above. At our discretion, we may combine the account
values of family members living in the same household to determine the applicable advisory fee. For
example, we may combine account values for you and your minor children, joint accounts with your spouse,
and other types of related accounts. Combining account values may increase the asset total, which may
result in your paying a reduced advisory fee based on the available breakpoints in our fee schedule stated
above.

For all new accounts opened at Schwab or Altruist, the annual portfolio management fee is billed and
payable monthly in arrears based on the assets under management balance at the end of the previous
month.

If the portfolio management agreement is executed at any time other than the first day of a calendar month,
our fees will apply on a pro-rata basis, which means that the advisory fee is payable in proportion to the
number of days in the month for which you are a client. Our advisory fee is negotiable, depending on
individual client circumstances.

We will deduct our fee directly from your account through the qualified custodian holding your funds and
securities. We will deduct our advisory fee only when you have given our firm written authorization
permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an
account statement to you at least quarterly. These account statements will show all disbursements from
your account. You should review all statements for accuracy.

You may terminate the portfolio management agreement upon written notice. You will incur a pro-rata
charge for services rendered prior to the termination of the portfolio management agreement, which means
you will incur advisory fees only in proportion to the number of days in the month for which you are a client.
If you have pre-paid advisory fees that we have not yet earned, you will receive a prorated refund of those
fees.

For self-directed brokerage 401(k) accounts, we will send you an invoice for payment of our advisory fee.

Asset Allocation and Monitoring Services, Financial Planning Services and Retirement Plan
Consulting Services
You are advised that fees for planning services are strictly for planning services. Therefore, you will pay
fees and/or commissions for additional services obtained such as asset management or products
purchased such as securities or insurance.

Fees are negotiable. Your fees will be dependent on several factors including time spent with JFG, number
of meetings, complexity of your situation, amount of research, services requested and staff resources.

       Fee      Maximum
                                                            Payable
       Type       Fee
                            Payable one-half (1/2) upon execution of the advisory agreement with
                            JFG and the balance due at the time of presentation of the plan unless
       Fixed
                 $10,000    otherwise negotiated with you. Plans will be delivered within six months
        Fee
                            of signing the Financial Planning Agreement. For longer-term
                            relationships, fees will be invoiced quarterly in advance.
      Hourly     $450 per
                          Payable at the end of each month based upon time spent by JFG.
       Fee         hour

Termination Provisions
You may terminate advisory services obtained from JFG, without penalty, upon written notice within five
(5) business days after entering into the advisory agreement with JFG. Thereafter, you may terminate
investment advisory services with written notice to JFG. You will be responsible for any time spent by JFG.

General Information
If you elect to implement investment advice received from JFG through JFG Advisory Representatives,
such advice can be implemented on a fee basis though JFG. JFG Advisory Representatives will receive a
portion of the fee. This practice presents a conflict of interest and gives JFG and its Advisory
Representatives an incentive to recommend investment products based on the compensation received
rather than on a client’s needs.

You are advised investment company securities, such as mutual funds, have different fee and cost
structures depending on the share class. Class A, B, and C shares or comparable share classes are
considered to have higher expenses but will often have lower trading costs. Institutional share classes
such as class F and I shares will have lower internal expenses but can have higher trading costs.
Disclosure of share classes is outlined in the prospectus. It is important to consider and evaluate the
internal costs. Though internal costs are not evident on statements and confirmation, you continue to pay
internal costs and expenses which when combined with the advisory fee you pay JFG, your total costs
could be considered high.

JFG will attempt to mitigate conflicts of interest by:
   • Informing you of conflict of interest in this Disclosure Brochure.
   • Maintaining and abiding by our Code of Ethics which requires us to place your interest first and
       foremost.
...

Item 7: Types of Clients
JFG’s services are geared toward individuals both with high net worth and other than high net worth.
Additionally, JFG provides services to pension and profit-sharing plans, charitable organizations and
corporations and other businesses.

JFG generally requires a minimum amount of assets to be deposited to an account for the purpose of
obtaining asset management services. JFG will generally require you to deposit a minimum of $50,000
(cash or securities). However, under certain circumstances, JFG can waive the minimum account size
requirement and accept accounts less than $50,000. Such circumstances include but are not limited to
additional assets that will soon be deposited or that you have other accounts under management with JFG.

Performance may suffer due to difficulties with diversifying smaller accounts and due to risk controls
potentially being compromised.