M Group Investment Advisor LLC

Item 5 Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for investment
management. Each Client shall sign an Investment Advisory Agreement that details the responsibilities
of M Group and the Client.

A. Fees for Advisory Services

Account Portfolio Management

Investment Advisory Fees are paid quarterly in arrears pursuant to the terms of the Investment Advisory
Agreement. Investment Advisory Fees are based on the market value of assets under management at
the end of each calendar quarter. Investment Advisory Fees range from 1.50% to 1.0% based on the
following schedule:

Assets Under Management          Annual Rate
Up to $2,000,000                 1.50%
$2,000,000 to $3,000,000         1.25%
Over $3,000,000                  1.00%

Minimum account fee of 0.40% and $10 per month

Investment Advisory Fees in the first quarter of service are prorated to the inception date of the account
to the end of the first quarter. Fees may be negotiable at the discretion of the Advisor. The Client's fees
will take into consideration the aggregate assets under management with Advisor. All securities held in
accounts managed by M Group will be independently valued by the designated Custodian. M Group will
not have the authority or responsibility to value portfolio securities.

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Managed Accounts Programs

Fees for Clients participating in managed accounts programs will include M Group's Investment Advisory
Fee above, plus the Program Sponsors Fee.

Pension Consulting Services and Advisory Services to Retirement Plans

M Group offers advisory services or consulting services on an hourly basis at a rate of up to $750 per
hour, which may be negotiable depending on the nature and complexity of each Client's
circumstances. Engagements may also be offered for a fixed fee based on the expected number of
hours at the negotiated hourly rate. An estimate for total hours will be determined prior to
establishing the advisory relationship.

The Advisor's fee is exclusive of, and in addition to brokerage fees, transaction fees, and other related
costs and expenses, which may be incurred by the Client. However, the Advisor shall not receive any
portion of these commissions, fees, and costs. The hourly fees are determined after considering many
factors, such as the level and scope of the services.

The compensation arrangement for these services range from 1.00% to 0.25% based on the
following schedule:

Assets Under Management          Annual Rate
Up to $2,000,000                 1.00%
$2,000,000 to $3,500,000         0.75%
$3,500,000 to $20,000,000        0.50%
Over $20,000,000                 0.25%

Flat Fee plan set up $1000

Nevertheless, our advisory fees for these customized services will be negotiated with the plan sponsor
or named fiduciary on a case-by-case basis.

B. Fee Billing
Account Portfolio Management

Investment Advisory Fees will be automatically deducted from the Client Account by the Custodian. The
Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from
the Client Account at the respective quarter end date. The amount due is calculated by applying the
quarterly rate (annual rate divided by 4) to the total assets under management with M Group at the end
of each quarter. Clients will be provided with a statement, at least quarterly, from the Custodian
reflecting deduction of the Investment Advisory Fee. It is the responsibility of the Client to verify the
accuracy of these fees as listed on the custodian's brokerage statement as the Custodian does not
assume this responsibility. Clients provide written authorization permitting M Group to be paid directly
from their accounts held by the Custodian as part of the Investment Advisory Agreement and separate
account forms provided by the Custodian.

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Pension Consulting Services and Advisory Services to Retirement Plans

Pension consulting fees and billing of advisory fees are generally handled in the same manner as for
Account Portfolio Management. In some situation these fees will be collected by 3rd party vendors as
part of the retirement plan and then forwarded to M Group. This will be handles on a case-by-case basis
and laid forth in the plan sponsor service agreement.

C. Other Fees and Expenses

Clients may incur certain fees or charges imposed by third parties, other than M Group, in connection
with investment made on behalf of the Client's account[s]. The Client is responsible for all custodial and
securities execution fees charged by the custodian and executing broker-dealer. The Investment
Advisory Fee charged by M Group is separate and distinct from these custodian and execution fees.

In addition, all fees paid to M Group for investment advisory services are separate and distinct from the
expenses charged by mutual funds and exchange-traded funds to their shareholders, if applicable. These
fees and expenses are described in each fund's prospectus. These fees and expenses will generally be
used to pay management fees for the funds, other fund expenses, account administration (e.g., custody,
brokerage and account reporting), and a possible distribution fee. A Client could invest in these products
directly, without the services of M Group, but would not receive the services provided by M Group
which are designed, among other things, to assist the Client in determining which products or services
are most appropriate to each Client's financial situation and objectives. Accordingly, the Client should
review both the fees charged by the fund[s] and the fees charged by M Group to fully understand the
total fees to be paid.

D. Advance Payment of Fees and Termination

Account Portfolio Management
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Item 7 Types of Clients
M Group offers investment advisory services to individuals, high net worth individuals, trusts, estates,
large and small businesses in Oregon and other states (each referred to as a "Client"). The relative
percentage each type of Client is available on M Group's Form ADV Part 1. These percentages will
change over time. M Group generally does not impose a minimum account size for establishing a
relationship.