Kapusta Financial Group Inc

Item 5 Fees and Compensation
For Investment Management services, KFG charges its clients an annualized fee based on a
percentage of assets under management. The firm typically requires a minimum account size of at
least $100,000, although this minimum may be achieved through the householding of multiple
accounts, or it may be waived at the sole discretion of KFG. Clients will pay a management fee based
on a percentage of the fair market value of the managed assets as of the date of the Advisory
Agreement. The client and KFG will agree as to the then current value of managed assets, and the
client will be invoiced accordingly. Thereafter, the client will be billed a portion of the annual
percentage of assets under management fee, on a quarterly basis in advance, based on the value of
the managed assets as of the anniversary date of the Advisory Agreement. The value is reevaluated
annually, to determine the current value of the account and the fee for the upcoming year. The client is
notified, in advance, of the fee for each upcoming year. The current fee schedule for managed assets
is as follows:

Assets Under Management Amount                            Annual Percentage
Up to $250,000                                            1.15%
$250,001 to $1,000,000                                     .90%
$1,000,001 to $2,500,000                                   .65%
$2,500,001 and above                                       .55%

Asset-Based Fees are payable quarterly. An invoice may be prepared by KFG only if fees are not
debited from the client's custodian account. Clients may also give KFG express written permission to
deduct fees from the client's custodial account, if a client so chooses. KFG will provide written notice to
the custodian of the amount of fees to be debited. Custodians will send statements to clients at least
quarterly, detailing the amount of fee debited from the client's account. Clients are responsible for
verifying the accuracy of fees debited. While KFG has established the above referenced fee schedule,
the firm may negotiate fees under certain, limited circumstances, at its sole discretion. Factors
considered when determining whether a different fee will be negotiated include, among other things,
the complexity of the client's financial situation, related accounts under management, portfolio style,
and the provision of other services provided to the client. In some cases, clients may be subject to a
different fee schedule in effect at the time their account was established and specified in their Advisory
Agreement with KFG. These different fee schedules may be higher or lower than current fee
arrangements. KFG may, in its sole discretion, determine when, if ever, previous fee schedules will or
will not apply to existing clients. Clients will receive advance written notice of any change in their
applicable fee schedules.

For all other advisory services described in Item 4 above, including comprehensive planning,
retirement planning, estate planning, investment consulting, and planning by module, KFG will charge
an hourly rate not to exceed $250 per hour. In some cases, KFG will charge a fixed project fee not to
exceed $5,000. The client and KFG will agree to the fee methodology at the time an Advisory
Agreement is executed. For hourly fees, fees will be due and payable upon presentation of an invoice.
For fixed fee relationships, one-half of the fixed fee is due and payable at the execution of the Advisory
Agreement and the remaining portion will be due and payable upon presentation of an invoice. All fees
are negotiable at KFG's sole discretion.

General Information Regarding Fees and Account Termination
In addition to the advisory fees described above, clients may be subject to custodial and account fees
charged by account custodians or broker/dealers with whom clients establish accounts. Such
additional fees may include, but are not limited to, transaction charges, IRA fees and other account
administrative fees. Please see additional disclosure made for Item 12, Brokerage Practices, later in
this brochure. In cases where shares of mutual funds or exchange traded funds are included in clients'
portfolios, clients may also be subject to fees and expenses charged directly by the mutual fund or
exchange traded fund company. Such fees may include, but are not limited to, management fees, fund
expenses, distribution fees, and 12b-1 fees. KFG does not receive any portion of these fees. Clients
should refer to the applicable product prospectus for a complete discussion of the fees and charges
associated with the product. While KFG endeavors to select the lowest-cost share class available for a
given mutual fund, the firm cannot guarantee that the lowest cost is always purchased depending on
specific client circumstances and/or mutual fund performance or other factors.

Clients have the option of purchasing investment products through any broker/dealer of their choice;
however, KFG associates may be unable to provide Investment Management services for assets
purchased away from custodians recommended by KFG.

As part of its comprehensive approach to investment advisory services, KFG may refer clients to
unaffiliated third-party service provides for specific areas for which a client may need advice. Examples
of these referrals may include local CPAs or attorneys. In these cases, clients may be subject to
additional fees charged by the third-party service provider to whom the client has been referred. KFG
does not receive any portion of the fees charged by these third-party service providers. In addition,
KFG offers this referral service as a convenience to clients only, and any decision to engage a third-
party service provider lies solely with the client. KFG is not responsible or liable for any of the services
provided by these unaffiliated third-parties.

Clients may terminate Advisory Agreements at any time upon prior notice. If an Agreement is
...

Item 7 Types of Clients
KFG provides investment advisory services to individuals, high-net worth individuals, pension and
profit sharing plans, corporations or other businesses, trust, estates and charitable organizations. As
described in Item 5 above, KFG typically requires a minimum account size of $100,000 for Investment
Management clients. Household accounts may be aggregated to meet this asset threshold, and this
minimum may be waived at KFG's sole discretion.