KFG LLC

Item 5: Fees & Compensation
Below we describe fees and expenses so clients will know exactly how much we charge for the advisory services provided.
Fees are typically not negotiable; however, we reserve the right to discount advisory fees based on the scope and
complexity (or lack thereof) of the engagement. Because our firm’s primary focus is the discovery, design, and review of
the financial plan, we charge our fees based on the total asset value of investment assets under our advisement. This
excludes personal assets like primary residence, vehicles, other personal property, and illiquid assets. For calculation
purposes we round to the nearest dollar.

                                                KFG Planning Charge Matrix
         Asset under Management and Advisement Tiered Range                         Annual Percentage
         $0                       to        $780,000                                    1.30%
         $780,000.01              to        $1,825,000                                  1.00%
         $1,825,000.01            to        $3,675,000                                  0.80%
         $3,675,000.01            to        $8,000,000                                  0.55%
         Over $8,000,000                                                              Negotiable

                                      KFG Fee Structure (Investment Only)
         Asset under Management Tiered Range                              Annual Percentage
         $0                        to         $1,825,000                       1.00%
         $1,825,000.01             to         $3,675,000                       0.75%
         $3,675,000 .01            to         $8,000,000                       0.50%
         Over $8,000,000                                                     Negotiable

Financial planning fees are established annually based on the assets under advisement which includes asset managed
under KFG (including cash and cash equivalents) as of October 31st of the previous year. We have a one-time data-
gathering and design fee of up to 50% of the annual financial planning fee. Financial Planning clients have a minimum
quarterly fee of $1,875 and for their assets in managed accounts held at Schwab there is an additional 0.04% charged
quarterly to partially cover third-party manager fees. The one-time data-gathering and design fee, and the first quarterly
fee are due at the beginning of the engagement. Thereafter, financial planning fees are due quarterly in arrears. Legacy
Investment Only advisory fees are based on account balances (including cash and cash equivalents) on October 31st of
each year and charged quarterly in arrears during the following year for legacy clients. New Investment Only clients will
be charge on account balances on the last day of the quarter. We do not make adjustments for deposits and withdrawals
in fee calculations.

For sub-advisory services rendered to our clients, our firm compensates third party investment advisory firms or individual
advisors a percentage of the overall investment advisory fee charged by our firm. Advisory fees are deducted from client’s
managed accounts by the third-party manager and paid to us. The advisory fee paid shall not exceed the fee published for
this service.

We rebalance portfolios held at Schwab at least annually. We offer rebalance recommendation for employer-controlled
retirement portfolios held away from Schwab annually. We need timely information on assets held away from Schwab.
Assets, on which the client does not provide KFG with automatic and timely updated statements, will not be included in
any asset allocations, financial statements, or reports. This significantly slows down our internal process and the quality
of advice received from us.

Because we calculate our annual financial planning fee on a percentage of investment assets, there exists a potential
conflict of interest regarding advice given by us since our revenues are directly impacted by the size of the client portfolio.
There is also a potential conflict of interest if a client decides to convert investment assets, on which we charge a fee, to
tangible assets like real estate, closely held businesses, permanent life insurance, and other personal assets, on which we
don’t charge a fee.

Other services not listed above will be billed on an hourly basis. A project fee may be quoted based upon the time and
effort required. The total fee and services to be provided are agreed upon at the time of engagement. Project fees will
vary based upon the amount of time we incur for the project, in addition to the nature and complexity of services. These
may be billed at a rate of up to $500 per hour.

Unless otherwise negotiated, terms and conditions under an advisory agreement with Astute Financial, LLC, will be
honored for those clients who migrate to KFG, LLC.

We will automatically deduct fees from one of the client’s managed accounts unless directed otherwise. As part of this
process, the client understands and acknowledges the following:
    a) The independent custodian sends statements at least quarterly to clients showing all disbursements from the
        account, including the amount of the financial planning fees paid as well as the asset management fee paid.
    b) The client provides authorization permitting us to be directly paid by these terms.

The client will incur transaction charges for trades executed in the accounts. These transaction fees are separate from our
annual financial planning fees. Also, the client will pay the following separately incurred expenses, which we do not receive
any part of: charges imposed directly by a mutual fund, index fund, or exchange traded fund which shall be disclosed in
the fund’s prospectus (i.e., fund management fees and other fund expenses).

Our firm’s annual financial planning fees are billed on a quarterly basis in arrears. Since we are billing in arrears, our
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Item 7: Types of Clients & Account Requirements
Types of clients we typically provide our services to include Individuals accumulating wealth, high net-worth individuals,
business owners, professionals, and retirees. We also provide investment services to trusts, estates and charitable
organizations.

Our requirements for opening and maintaining accounts or otherwise engaging us: There is no account minimum for either
service.
    ● Financial Planning clients have a minimum quarterly fee of $1,875 and for their assets in managed accounts held
         at Schwab there is an additional 0.04% charged quarterly to partially cover third-party manager fees. New clients
         pay an initial data-gathering and design fee which is less than or equal to the first two quarterly financial planning
         fees.
    ● We reserve the right to decline services to any person or firm. We reserve the right to terminate services to any
         client with a 30-day notice. We may waive the minimum fee where special circumstances exist. For example, the
         fee may be waived with pre-existing relationships, friends or family members, or family members of clients.