Marmo Financial Group LLC

Item 5 Fees and Compensation
General Fee Information

Fees paid to MFG are exclusive of all custodial and transaction costs paid to the client's custodian,
brokers or other third party consultants. Please see Item 12 - Brokerage Practices for additional
information. Fees paid to MFG are also separate and distinct from the fees and expenses charged by
mutual funds, ETFs (exchange traded funds) or other investment pools to their shareholders (generally
including a management fee and fund expenses, as described in each fund's prospectus or offering
materials). The client should review all fees charged by funds, brokers, MFG and others to fully
understand the total amount of fees paid by the client for investment and financial-related services.

Portfolio Management Fees
MFG's normal annual fee schedule is set forth below.

Assets under Management          Annual Fee
First $250,000                   1.50%
Next $500,000                    1.35%
Next $1,250,000                  1.20%
Next $3,000,000                  1.05%
Balance above $5,000,000         0.90%

There is no minimum annual fee for conventional investment advisory services. MFG, at its discretion,
makes exceptions to the foregoing or negotiates special fee arrangements where MFG deems it
appropriate under the circumstances.

Portfolio management fees are payable quarterly, in arrears (i.e., after services are rendered). Fees
are calculated based on the average of the month end value of the account for the previous three
months. If management begins after the start of a quarter, fees will be prorated accordingly. With client
authorization and unless other arrangements are made, fees are normally debited directly from client
account(s).

Either MFG or the client can terminate their Investment Management Agreement at any time, subject
to any written notice requirements in the agreement. In the event of termination, any paid but unearned
fees will be promptly refunded to the client based on the number of days that the account was
managed, and any fees due to MFG from the client will be invoiced or deducted from the client's
account prior to termination.

Small Account Services
Small account services are offered for a fixed annual retainer fee that is individually negotiated with
each client at the time of the engagement. Such fees are based, without limitation, on the size and
complexity of the client's portfolio and the extent of retirement income planning services required. Fees
are assessed quarterly, in arrears (i.e., after services are rendered), unless otherwise negotiated with
the client.

Either MFG or the client can terminate their Small Account Services at any time, subject to any written
notice requirements in the agreement. Any fees due to MFG from the client will be invoiced and
payable prior to termination.

Financial Planning Fees
For financial planning and special projects which do not require the continuous management services
of MFG, fees are charged hourly at the rate of $150 - $250 per hour. These charges are invoiced
monthly, in arrears (i.e., after services are rendered). The rate is not negotiable. For large projects or at
client request, MFG may provide the client with an estimate prior to beginning work.

Financial planning fees are payable on completion of the contracted services, or as otherwise specified
in the Financial Planning Agreement.

Either MFG or the client can terminate their Financial Planning Agreement at any time, subject to any
written notice requirements in the agreement. Any fees due to MFG from the client will be invoiced and
payable prior to termination.

We will not require prepayment of a fee more than six months in advance and in excess of $1,200.

Retirement Plan Advisory Fees
Retirement Plan Advisory Services fees are individually determined and agreed upon with the Plan
fiduciary(ies) at the time of the engagement. Fees are typically based on the type of Plan, the services
requested, the complexity of the Plan, and other factors. Where appropriate, MFG may agree to a fixed
annual dollar amount, which is generally invoiced to the Plan sponsor. In other cases, MFG may
charge an annual percentage fee based on plan assets under management, which is typically debited
from Plan participant accounts. In either case, fees are assessed quarterly, in arrears (i.e., after
services are rendered). The specific suite of services to be provided and applicable fees are set forth in
the agreement with each Plan.

Hourly fees for additional administrative services are individually negotiated at the time of the
engagement and are based on the scope and complexity of the services being provided. This
compensation is separate from and in addition to the any fixed fees or asset-based fees. Hourly fees
are payable monthly in arrears (i.e., after services are rendered).

Plan recordkeeping fees, third-party administrator fees, custody fees, trustee fees and any other third-
party fees are in addition to fees charged by MFG. In addition, participants may also pay account
related fees, such as loan processing and maintenance fees, distribution processing fees, and
investment transaction fees.

The Plan and/or participants are also subject to the fees and expenses charged by the underlying
mutual funds and other third-parties (see General Fee Information above). Plan fiduciaries are
responsible for determining whether the combination of fees described above are reasonable in light of
the services received from each party.

You may terminate the agreement upon 30 days written notice to our firm. You will incur a pro rate
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.

Other Compensation
Certain individuals of MFG are also licensed insurance agents and may receive commissions or other
...

Item 7 Types of Clients
MFG serves individuals, corporations, trusts, estates and pension plans. MFG does not generally
impose a minimum portfolio value for conventional investment advisory services or a minimum fee.