Market Investment Group LLC

Fees and Compensation - Item 5

 Financial Planning Fees
 MIG provides its clients financial planning and consulting services. Prior to engaging MIG to provide consulting
 services, the client will be required to enter into a financial planning agreement with our firm. The Agreement will
 set forth the terms and conditions of the engagement, and will describe the scope of the services to be provided
 and the fee that is due from the client. MIG will charge an hourly fee of up to $500 per hour or a fixed fee of up to
 $10,000 for financial planning services. 50% of the fee is payable upon execution of the financial planning
 agreement, with the balance due upon completion of services. MIG does not require the prepayment of over
 $1,200, six or more months in advance and all agreed upon services will be completed within 6 months of execution
 of the financial planning agreement. When a financial planning client engages MIG for portfolio management
 services, the financial planning services fee is credited towards the portfolio management service fee.

 Either party may terminate the financial planning agreement by written notice to the other. In the event the client
 terminates MIG’s financial planning services, the balance of prepaid, unearned fees (if any) will be refunded to the
 client promptly.

Market Investment Group, LLC
Form ADV Part 2A Brochure

 Portfolio Management Fees
 For portfolio management services, MIG charges an annual fee of up to 1.50% of assets under management (AUM).
 The fee includes compensation paid to Foundations Investment Advisors LLC and most portfolio model providers.
 Portfolio management fees are payable monthly in arrears and are based on the average daily value of the assets
 of the month just ended. In certain situations, an added 0.15% may be applied to the management fee for certain
 model providers. This additional fee usually applies to model providers who specialize in more aggressive trading
 strategies. The client will be notified which model providers charge this extra management fee at the time of
 signing the advisory agreement. All accounts will also be assessed a $50 annual administrative and technology fee
 (“ATF”) at the end of the January billing cycle. This $50 fee applies to non-managed accounts that are included in
 our portfolio management systems for accounting and monitoring purposes and listed in our performance reports.
 Other fee payment arrangements can be negotiated on a case-by-case basis. These arrangements will be listed in
 the advisory agreement signed by the firm and the client.

 For purposes of determining the applicable fee tier to be applied to the account, we include the value of (i) all
 securities held in client’s investment portfolio under the management of MIG; (ii) the value of fixed life insurance
 products owned by the client (e.g., whole life, fixed universal life insurance, and fixed indexed annuities) with
 respect to which MIG provides investment advisory services (e.g., advice regarding integration into Client’s
 financial plan and/or investment portfolio, monitoring services, etc.); and (iii) index linked annuities. Term life
 insurance policies and other insurance products lacking a cash surrender value are excluded, unless otherwise
 agreed in writing.

 The value attributed to any insurance products shall generally be the policy’s surrender value as reported by the
 insurance carrier, unless we determine in our reasonable discretion that another valuation method is more
 appropriate and consistent with applicable law and our fiduciary duty to the client. Client understands that the
 value utilized by MIG for purposes of determining the applicable fee tier to be applied to the account may differ
 from the value ultimately realized by the client upon surrender or other disposition of the subject insurance
 product and agrees that the valuation method used by MIG for such purposes shall be deemed reasonable, absent
 manifest error. Client agrees that inclusion of insurance products for this purpose does not include custody of or
 any investment discretion with respect to such insurance products.

 At this time, MIG, Market Tax Services, LLC, our affiliated accounting firm, and Eidelman Law Firm, an unaffiliated
 law firm, provide combined services under a structured tier system based on the amount of assets under our
 management (“AUM), with each tier subject to a percentage-based fee and including discounted services and
 benefits from Market Tax Services and Eidelman Law Firm. These combined service tiers are listed below:
                                           STANDARD FEE SCHEDULE
             Tier 1: $0 – $249,999 in AUM                         Tier 4: $1,000,000 - $2,999,999 in AUM
  •    Up to 1.50% AUM fee on accounts managed              •   Up to 1.25% AUM fee on accounts managed by
       by Advisor (to be negotiated at Advisor’s                Advisor
       discretion)                                          •   $315 discount on basic annual tax preparation
  •    Reserved for children, family members, and               (includes only Form 1040 and state tax return)
       related accounts of current clients only             •   Yearly tax planning during October, November,
  •    Additional benefits to be negotiated at                  and/or December ($500 value paid by Advisor)
       Advisor’s discretion                                 •   Two (2) hours of CPA advice, annually**
                                                            •   Preparation of an estate plan (covering trust,
                                                                advanced healthcare directives, will, and
                                                                power of attorney ($5,000 value)
                                                            •   Two (2) hours of legal advice, annually**
...

Types of Clients - Item 7

 We generally offer investment advisory services to individuals, pension and profit-sharing plans and their
 participants, trusts, estates, charitable organizations, corporations, and other business entities.

 MIG does not require a minimum amount of assets to establish an advisory relationship.

                   Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 All asset allocation models are developed by the sub-advisers and/or other third-party model providers (listed
 under Item 4 above) in accordance with investment programs developed by these entities. MIG will not
 implement its own methods of analysis and investment strategies. Clients should refer to the relevant sub-
 advisers' and/or third-party model providers Form ADV Brochures for more information about the methods of
 analysis and investment strategies used by those firms. Security analysis methods used by the recommended sub-

Market Investment Group, LLC
Form ADV Part 2A Brochure

 advisers and/or other third-party model providers may include fundamental analysis, technical analysis, and
 cyclical analysis.

 Investment Strategies
 The investment strategy for a specific client is based upon the objectives stated by the client during consultations
 and documented in the client profile. The client may change these objectives at any time. Each client’s profile
 contains information related to the client’s risk tolerance and any investment restrictions. Any other
 documentation as required by our firm that documents the client’s objectives and their desired investment
 strategy will be retained as part of the client’s file.

 Investing in securities involves risk of loss that clients should be prepared to bear. Clients should fully
 understand the nature of the contractual relationship(s) into which they are entering and the extent of their
 exposure to risk. Certain investing strategies may not be suitable for many members of the public. You should
 carefully consider whether the strategies employed would be appropriate for you in light of your experience,
 objectives, financial resources, and other relevant circumstances.

 Recommendation of Particular Types of Securities: As disclosed under the “Advisory Business” section in this
 Brochure, we provide advice on various types of securities and we do not necessarily recommend one particular
 type of security over another since each client has different needs and different tolerance for risk. Each type of
 security has its own unique set of risks associated with it and it would not be possible to list here all of the specific
 risks of every type of investment. Even within the same type of investment, risks can vary widely. However, in
 very general terms, the higher the anticipated return of an investment, the higher the risk of loss associated with
 it.

 General Investment Risk: All investments come with the risk of losing money. Investing involves substantial risks,
 including complete possible loss of principal plus other losses and may not be suitable for many members of the
 public. Investments, unlike savings and checking accounts at a bank, are not insured by the government to protect
 against market losses. Different market instruments carry different types and degrees of risk and you should
 familiarize yourself with the risks involved in the particular market instruments in which you intend to invest.

 Loss of Value: There can be no assurance that a specific investment will achieve its investment objectives and
 past performance should not be seen as a guide to future returns. The value of investments and the income
 derived may fall as well as rise and investors may not recoup the original amount invested. Investments may also
 be affected by any changes in exchange control regulation, tax laws, withholding taxes, international, political and
 economic developments, and governmental economic or monetary policies.

 Interest Rate Risk: Fixed income securities and funds that invest in bonds and other fixed income securities may
 fall in value if interest rates change. Generally, the prices of debt securities rise when interest rates fall, and their
 prices fall when interest rates rise. Longer-term debt securities are usually more sensitive to interest rate changes.

 Credit Risk: Investments in bonds and other fixed income securities are subject to the risk that the issuer(s) may
 not make required interest payments. An issuer suffering an adverse change in its financial condition could lower
 the credit quality of a security, leading to greater price volatility of the security. A lowering of the credit rating of
 a security may also offset the security's liquidity, making it more difficult to sell. Funds investing in lower quality
 debt securities are more susceptible to these problems and their value may be more volatile.

 Foreign Exchange Risk: Foreign investments may be affected favorably or unfavorably by exchange control
 regulations or changes in the exchange rates. Changes in currency exchange rates may influence the share value,
 the dividends or interest earned and the gains and losses realized. Exchange rates between currencies are
 determined by supply and demand in the currency exchange markets, the international balance of payments,
 governmental intervention, speculation, and other economic and political conditions. If the currency in which a

Market Investment Group, LLC
Form ADV Part 2A Brochure

 security is denominated appreciates against the US Dollar, the value of the security will increase. Conversely, a
 decline in the exchange rate of the currency would adversely affect the value of the security.

 Concentrated Position Risk: Certain accounts may, or may be advised to, hold concentrated positions in specific
 securities. Therefore, at times, an account may, or may be advised to, hold a relatively small number of securities
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