Millstone Financial Group Limited Liability Company

Item 5: Fees and Compensation

Method of Compensation and Fee Schedule
 ASSET MANAGEMENT

 Fees are charged quarterly in arrears and are based primarily on asset size and the level of
 complexity of the services provided. In individual cases, MFG has the sole discretion to
 negotiate fees that are lower than the standard fee shown or to waive fees. Fees are not
 based on the share of capital gains or capital appreciation of the funds or any portion of the
 funds. Comparable services for lower fees may be available from other sources. Fees for
 the initial quarter will be prorated based upon the number of calendar days in the calendar
 quarter that the advisory agreement is in effect. Fees are based on the market value of the
 assets on the last business day of the previous quarter. Annual fees range from .40% - 1.25%,
 depending on the amount of assets under management (“AUM”) – See chart below.
 Consulting services are included in these fees for asset management services.

Fee Schedule for Asset Management:

      Assets Under Management                                Annual Fee
           $0 - $1,000,000                                     1.25%
       $1,000,001 - $2,000,000                                 1.00%
       $2,000,001 - $3,000,000                                 0.85%
       $3,000,001 - $5,000,000                                 0.65%
      $5,000,001 - $10,000,000                                 0.45%
         $10,000,001 & Over                                    0.40%

As authorized in the client agreement, the account custodian withdraws MFG’s advisory fees
directly from the clients’ accounts according to the custodian’s policies, practices, and
procedures. The custodial statement includes the amount of any fees paid to MFG for
advisory services. You should carefully review the statement from your custodian/broker-
dealer’s statement and verify the calculation of fees. Your custodian/broker-dealer does not
verify the accuracy of fee calculations.

The annual fee may be negotiable based upon certain criteria (e.g., historical relationship,
type of assets, anticipated future earning capacity, anticipated future additional assets, dollar
amounts of assets to be managed, related accounts, account composition, negotiations with
Clients, etc.).
Fees are billed quarterly in arrears based on the amount of assets managed as of the close of
business on the last business day of the previous quarter. Lower fees for comparable services
may be available from other sources. Clients may terminate their account within �ive (5)
business days of signing the Investment Advisory Agreement with no obligation and without
penalty. Clients may terminate advisory services with thirty (30) days written notice. For
accounts opened or closed mid-billing period, any unpaid earned fees will be due to MFG.
Client shall be given thirty (30) days prior written notice of any increase in fees. Any increase
in fees will be acknowledged in writing by both parties before any increase in said fees
occurs.
MFG may also utilize the services of a Sub-Advisor to manage Clients’ investment portfolios.
MFG will enter into Sub-Advisor agreements with other registered investment advisor �irms.
When using Sub-Advisors, the Client will pay additional fees depending on the account value,
investment style and types of securities used. The Sub-Advisors will be disclosed to and
acknowledged by the Client in MFG’s Investment Advisory Agreement. The sub-advisor’s fees
and the custodian’s fees are not included in the fees charged by MFG.
Dimensional Fund Advisors LP fees will be billed quarterly in arrears based on the average
daily balance of the account. Dimensional Fund Advisors has a minimum annual fee ranging
from $500-$1,450 depending on the asset type and overlay services utilized.
First Trust Direct Indexing L.P. fees will be billed quarterly in advance based on the value of
the account at the close of business on the last business day of the prior quarter. First Trust
has a minimum annual fee of $1,200.

SEI Managed Account Solutions and SEI Mutual Fund Models Program (Legacy Clients only-no
new clients will be placed with SEI)
For the SEI Managed Account Solutions program MFG charges an annual investment advisory
fee based on the total assets under management as follows:
       Assets Under Management             Annual Fee            Quarterly Fee
             $0 - $1,000,000                 1.00%                    0.25%
         $1,000,001 - $2,000,000             0.85%                    0.21%
         $2,000,001 - $4,000,000             0.65%                    0.16%
         $4,000,001 - $5,000,000             0.60%                    0.15%
             Over $5,000,001                 0.40%                    0.10%
The annual fee may be negotiable.
SIMC’s advisory fee schedule for MAS ranges from .10% to 1.25%. Certain Clients may receive
a fee discount, at the sole discretion of SIMC. These fees may be higher or lower than those
charged by other investment advisors for similar services. SIMC may pay a portion of this fee
to the portfolio manager acting as the account's Overlay Manager or retain the fee itself if it
is serving as the Overlay Manager.
To the extent a Client’s assets in MAS are invested in SEI Funds, SIMC and its af�iliates will
earn fund-level fees on those assets, as set forth in the applicable Fund’s prospectus but SIMC
will offset the fees set forth above on MAS assets invested in any SEI Fund.
Fees for SEI Funds
Each SEI Fund pays an advisory fee to SIMC that is based on a percentage of the portfolio's
average daily net assets, as described in the mutual fund’s prospectus. From such amount,
SIMC pays the sub-advisor(s) to the fund. SIMC’s fund advisory fee varies, but it typically
ranges from .10% - 1.50% of the portfolio's average daily net assets for its advisory services.
Af�iliates of SIMC provide administrative, distribution and transfer agency services to all of
...

Item 7: Types of Clients

Description
 MFG generally provides investment advice to individuals, high net worth individuals and
 business owners. Client relationships vary in scope and length of service.

Account Minimums
 MFG does not require a minimum to open an account.
 Account minimums are determined by the TPMs MFG refers its’ Clients to.