MJR Financial LLC

Item 5 – Fees and Compensation

We provide asset management and inancial planning services for a fee.

Either party may terminate the relationship with a thirty (30) day written notice. Upon termination
of any account, any prepaid fees that are in excess of the services performed will be promptly
refunded to you. Any fees that are due, but have not been paid, will be billed to you and are due
immediately.

Asset Management Fee Schedule
Our minimum account opening balance is $5,000.00, which may be negotiable based upon certain
circumstances. The fee charged is based upon the total household account value. Multiple accounts
of immediately related family members, at the same mailing address, may be considered one

994 Group                   ADV Part 2A                  January 26                       Page 9 of 23

consolidated account for billing purposes. Fees are charged quarterly in advance. Clients will be
billed each quarter, as agreed upon in Appendix A, based on the previous quarter-end balance of the
account(s) under management. For the billing period in which the client account is opened or closed,
the Adviser will pro rate fees based on the number of days already elapsed or remaining in the billing
period. Fees will be calculated as follows:

Tiered Fee Schedule*

                AUM                                            Fee

                $0-$499,999.99                                 1.00%

                $500,000.00 -$999,999.99                       .90%

                $1,000,000.00 - $1,499,999.99                  .80%

                $1,500,000.00 - $1,999,999.99                  .70%

                $2,000,000.00 - $2,499,999.99                  .60%

                $2,500,000.00 – $4,999,999.99                  .50%

                $5,000,000.00 (+)                              .40%

                *Note:

The fees shown above are annual fees and may be negotiable based upon certain circumstances. No
increase in the annual fee shall be effective without prior written noti ication to the client. 994 Group
believes the advisory fee is reasonable considering the fees charged by other investment advisers
offering similar services/programs.

A lat fee may also be negotiated as long as it does not exceed the fee schedule above. If a lat fee is
negotiated, that fee will be listed in the Advisory Agreement and Disclosure Statement.

Sub-Adviser
Certain clients may pay a separate fee for sub-advisory services. In the case of sub-advisory services,
we will provide a contract addendum outlining the additional fee.

Our fee schedule is the same regardless of the type of investment selected.

Automatic Payment of Fee
We require that the Client provide us with written authorization to instruct the custodian to deduct
the fees we charge from the Client’s account. Fee withdrawals will occur no more frequently than
quarterly from the Client's account, unless the Client speci ically instructs otherwise.

The Custodian will send to the Client a statement, on a quarterly basis, indicating all amounts
disbursed from the account, including the fee paid directly to 994 Group. 994 Group's access to the

994 Group                    ADV Part 2A                   January 26                        Page 10 of 23

Assets of the account will be limited to trading and the withdrawals authorized above. Upon request,
994 Group will send to the Client an invoice in addition to the Custodian statement re lecting the
amount of the fee, the quarter ending balance for the Client's Account on which the fee was based,
and the speci ic manner in which the fee was calculated. Representatives will be available to clients
to discuss fees paid to the irm as requested by clients.

Advisor Compensation
Our investment advisor representatives receive a base salary and a quarterly distribution based upon
overall irm inancials. The irm’s inancials are largely dependent upon your and other clients’ assets
that we manage. This compensation creates a con lict of interest, because we have an incentive to
encourage you to open an account with higher asset balances. We do not have solicitation or referral
agreements, so no referral fees are ever earned.

Other Compensation
Our IARs receive no additional compensation.

Financial Planning and/or Consulting Fees
994 Group provides a comprehensive inancial plan for a ixed fee of $1,500-$20,000, which may be
negotiable depending upon the nature and complexity of the client's circumstances. An estimate for
total hours will be determined at the start of the advisory relationship. Fee to be paid one time,
quarterly, or on a negotiated schedule. Investment plans will be presented to you within 90 days of
the contract date, provided that all information needed to prepare the investment plan has been
promptly provided to us. We do not accept prepayment of more than $500 in fees per client, six
months or more in advance. The inancial planning agreement will terminate once you receive the
 inal plan.

The Financial Planning Agreement will show the fee you will pay.

If the plan is implemented through us, we may receive compensation from the sale of AUM advisory
services recommended in the inancial plan. This compensation would be in addition to the inancial
planning fee you pay. The fees and expenses you pay for the purchase of these products may be more
or less than the expenses you would pay should you decide to implement our recommendations
through another investment advisory irm or broker-dealer and are typically determined by the
broker-dealer or investment company sponsoring the product. Therefore, a con lict of interest may
exist between our interests and your interests since we may recommend products that pay us
compensation. We may have an incentive to recommend particular products based on the potential
compensation rather than your needs. This potential con lict is addressed in our Code of Ethics.
...