Kennedy Investment Group Inc

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly in advance, pursuant to the terms of the wealth management agreement.
Fees are based on the market value of assets under management at the end of the prior quarter. Wealth management
fees are based on the following schedule:

                              Assets Under Management ($)                 Annual Rate (%)
                                       Up to $200,000                           1.75%
                                    $200,001 to $500,000                        1.50%
                                   $500,001 to $1,000,000                       1.00%
                                  $1,000,001 to $3,000,000                      0.75%
                                  $3,000,001 to $7,500,000                      0.50%
                                     $7,500,001 and over                        0.25%

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
KIG will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
KIG will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

The Client may make additions or withdrawals from the account[s] at any time, subject to the Advisor’s right to
terminate an account or the overall relationship. If assets of $100,000 or more are deposited into or withdrawn from
the Client’s account[s] during a billing cycle, the Advisor’s fee will be adjusted in the next billing cycle to reflect the
prorated fee difference.

Use of Independent Managers - As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment
portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn
any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described
above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will
reduce the fee with an increased level of assets placed under management with an Independent Manager. The terms
of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s]
with the Independent Manager.

                                                Kennedy Investment Group, Inc.
                                            196 Delaware St., West Deptford, NJ 08086
                                                     Phone: 856-853-0400

Estate Planning Services- The Advisor offers estate planning services for a fixed engagement fee. Fixed fees range up
to $1,500. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall
relationship with the Advisor. An estimate for total costs will be provided to the Client prior to engaging for these services.

B. Fee Billing
Wealth Management Services
Wealth management fees are calculated by the Advisor and deducted from the Client’s account[s] at the Custodian.
The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s
account[s] at the beginning of the respective quarter. The amount due is calculated by applying the quarterly rate (annual
rate divided by 4) to the total assets under management with KIG at the end of the prior quarter. Clients will be provided
with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients are
urged to also review and compare the statement provided by the Advisor to the brokerage statement from the Custodian,
as the Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees
to be deducted by KIG to be paid directly from their account[s] held by the Custodian as part of the investment advisory
agreement and separate account forms provided by the Custodian.

Use of Independent Managers - For Client accounts implemented through an Independent Manager, the Client’s
overall fee will include KIG’s wealth management fee (as noted above) plus wealth management fees and/or platform
fees charged by the Independent Manager. The Independent Manager will assume the responsibility for calculating
the Client’s fees and deducting all fees from the Client’s account[s].

Estate Planning Services- Fixed engagement fees for the Advisor’s estate planning services are invoiced and due
upon completion of the agreed upon deliverable[s].

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of
the Client’s account[s]. The Advisor includes securities transactions costs as part of its overall wealth management
fee through the KIG Financial Wrap Fee Program. Securities transaction fees for Client-directed trades may be
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Item 7 – Types of Clients

KIG offers investment advisory services to individuals, high net worth individuals, and corporations. KIG generally
does not impose a minimum relationship size.