Keystone 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
generally range from 0.50% to 1.50%. Our advisory fee is negotiable, depending on individual client
circumstances.

Our annual portfolio management fee is billed and payable quarterly in advance based on the value of
your account on the last day of the previous quarter. If the portfolio management agreement is
executed at any time other than the first day of a calendar quarter, 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 quarter
for which you are a client.

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.

We will send you an invoice for the payment of our advisory fee, or 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.

We encourage you to reconcile our invoices with the statement(s) you receive from the qualified
custodian. If you find any inconsistent information between our invoice and the statement(s) you
receive from the qualified custodian, call our main office number located on the cover page of this
brochure.

If you did not receive this brochure at least forty-eight (48) hours prior to signing the portfolio
management agreement you may terminate the agreement without penalty and receive a full refund
within five (5) business days of signing the agreement. You may terminate the portfolio management
agreement by providing 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 quarter 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.

Financial Planning and Consulting Services
We offer financial planning and consulting services on both a fixed fee basis and an hourly fee
basis. Our fixed fees range between $1,500 and $7,500 and our hourly fee is $250. Our fees are
negotiable depending upon the scope and complexity of the services rendered.

Where the client is charged a fixed fee for services, the first half of the estimated fee is due in advance of
services rendered with the remaining balance is payable upon completion. Where the client is charged an
hourly rate, the fees are due upon the completion of the contracted services. We will provide you with an
estimate of the total time/cost at the start of the advisory relationship. In limited circumstances, the
cost/time could potentially exceed the initial estimate. In such cases, we will notify you and request that
you approve the additional fee. All terms of our engagement will be evidenced in the agreement that
you sign with our firm. Under no circumstances will we require prepayment of a fee in excess of $1,200
for services not performed within six months of the advanced payment.

You may terminate the financial planning and/or consulting agreement upon thirty (30) days written notice to
our firm. You may terminate the Agreement within five (5) days of the date of acceptance without penalty to
the termination. After the five-day period, either party may terminate the financial planning agreement by
providing written notice to the other party. Upon termination, any prepaid fees will be pro-rated to the date of
termination and any unearned portion thereof will be refunded to you.

Pension Consulting Services
Our advisory fees for these customized services will be negotiated with the plan sponsor or named
fiduciary on a case-by-case basis.

If you did not receive this brochure at least forty-eight (48) hours prior to signing the pension consulting
agreement you may terminate the agreement without penalty and receive a full refund within five (5)
business days of signing the agreement. You may terminate the pension consulting
services agreement by providing written notice to our firm. You will incur a pro rata charge for services
rendered prior to the termination of the agreement, which means you will incur advisory fees only in
proportion to the number of days in the quarter 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.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You will also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not
share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
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Item 7 Types of Clients
We offer investment advisory services to individuals, including high net worth individuals, pension and
profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities.

In general, we require a minimum of $250,000 to open and maintain an advisory account. At our
discretion, we may waive this minimum account size. For example, we may waive the minimum if you
appear to have significant potential for increasing your assets under our management. We may also
combine account values for you and your minor children, joint accounts with your spouse, and other
types of related accounts to meet the stated minimum.