Lumiere Financial Group LLC

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:

Annual Fee Schedule

Assets Under Management Annual Fee
$0 - $1,000,000         1.30%

$1,000,001 - $3,000,000        1.00%

$3,000,001 - $5,000,000         0.90%

$5,000,001 - $10,000,000         0.80%

Over $10,000,000                 0.75%

This is a blended fee-agreement, meaning, for example, if you have an account with a value of
$2,000,000, the first $1,000,000 is assessed a fee at 1.30% the next $1,000,000 is assessed a fee at
1.00%, and so on. Certain legacy Clients may be billed based on a different fee schedule.

Our annual portfolio management fee is billed and payable, quarterly in advance, based on the
balance at end of billing period.

Fees for individual clients invested in 403(b) plans are charged an annual asset-based fee of 1.45% to
1.65% and are billed quarterly in arrears, pursuant to the terms of the agreement. Fees for clients on
the Aspire platform will not be applied on a pro rata basis. Therefore, clients that enter into a portfolio
management agreement or make additional deposits intra-quarter will be billed for the entire quarter.

We charge a minimum fee in the amount of 0.30% to open and maintain an advisory account. At our
discretion we may waive the minimum fee.

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. Our advisory fee is
negotiable, depending on individual client circumstances.

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.

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.

You may terminate the portfolio management agreement upon 30 days written notice to our firm. 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. Since our fees are pre-paid, you will receive a prorated refund of
those fees that we have not yet earned.

Asset Allocation Services
We charge an hourly rate for asset allocation services. The applicable fee is negotiated with the client
and determined in advance of services rendered. Our hourly fee is $450 per hour.

Our fees are negotiable and payable in arrears. You may terminate the investment advisory agreement
by providing 30 days written notice to our firm in accordance with the terms of the agreement for
services. The asset allocation fee will be prorated for the month in which the termination notice is
given, which means that you will incur advisory fees only in proportion to the number of days in the
month for which you are a client.

Financial Planning Services
The Firm provides financial planning and consulting services to clients for a fee. Financial planning
services may be provided as a standalone engagement or in conjunction with ongoing investment
advisory services, depending on the client's needs.

Fees for financial planning services are determined based on the specific circumstances of each client,
including, but not limited to, the scope and complexity of the planning engagement, the types of
services requested, the client's financial situation, and the amount of professional time required to
complete the engagement. Financial planning fees may be charged as a fixed fee, an hourly fee, or
another mutually agreed upon arrangement, as disclosed to the client in writing prior to the
commencement of services. The Firm does not offer standardized planning packages or tiers.

All fees for financial planning services are described in the client's written agreement with the Firm, and
any unearned fees will be refunded in accordance with the agreement and applicable law.

Financial Consulting Services
We also offer advice on single subject financial planning/general consulting services at an hourly rate
of $450 per hour. This fee is negotiable depending on the scope and complexity of the plan, your
situation, and your financial objectives. An estimate of the total time/cost will be determined 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.

We require that you pay 20% of the fee in advance and the remaining portion upon the completion of
the services rendered. We will not require prepayment of a fee more than six months in advance and in
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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 plan sponsors or administrators, charitable organizations and corporations or other
businesses.

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, we have the right to terminate your account if it falls below a minimum size which, in our sole
opinion, is too small to manage effectively.

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.