MJT & Associates Financial Advisory Group Inc

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management and Investment Management Services
Wealth Management and investment management fees (“advisory fee[s]”) are paid quarterly, in advance of each
calendar quarter, pursuant to the terms of the investment advisory agreement. Advisory fees are based on the
market value of assets under management at the end of the prior calendar quarter. Advisory fees are based on
the following tiered schedule:

                  Assets Under Management ($)                 Annual Rate (%)           Quarterly Rate (%)
                  The First $250,000                              1.40%                      0.35%
                  The Next $750,000                               1.00%                      0.25%
                  The Next $1,000,000                             0.85%                     0.2125%
                  The Next $3,000,000                             0.70%                      0.175%
                  The Next $5,000,000                             0.40%                      0.10%
                  Over $10,000,000                                0.25%                      0.625%

The advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the end of
the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed
                                     MJT & Associates Financial Advisory Group, Inc.
                             1315 Grove Ave, Suite 5, Montevideo, MN 56265Phone: (320) 269-7889

                                                http://www.mjtassociates.com

by MJT will be independently valued by the Custodian. MJT will conduct periodic reviews of the Custodian’s
valuations.

This is a blended fee schedule. As an example, a portfolio with a $1,500,000 account balance would be charged
an overall rate of 1.04%. The first $250,000 would be billed at the rate of 1.40%, the next $750,000 is billed at a
rate of 1.00%, and the next $500,000 would be billed at 0.85%. Also, all accounts within the same household are
aggregated and applied together to reduce the overall fee. MJTa may negotiate other fee arrangements
depending on the size of the account, type of account, services required, etc. The specific annual fee being
charged to the client will be set forth and identified in an agreement between MJTa and that client.

Use of Independent Managers
As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or
more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation
from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. The
Advisor will allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of
the executed agreement between the Advisor and the Independent Manager. The total blended fee, including the
Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 0.65% and are billed
in advance of each quarter, pursuant to the terms of the retirement plan advisory agreement. Retirement plan
fees are based on the market value of assets under management at the end of the prior calendar quarter. Fees
may be negotiable depending on the size and complexity of the Plan.

               Assets Under Management                      Annual Rate (%)          Quarterly Rate (%)
               The First $1,000,000                             0.65%                    0.1625%
               The Next $1,000,001 - $2,500,000                 0.45%                    0.1125%
               The Next $2,500,001 - $5,000,000                 0.40%                     0.10%
               The Next $5,000,000 - $7,500,000                 0.35%                    0.0875%
               The Next $7,500,001 - $10,000,000                0.30%                     0.075%
               The Next $10,000,001 -
                                                                  0.25%                    0.0625%
               $15,000,000
               Over $15,000,000                                   0.20%                     0.05%
The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and
other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However,
the Advisor shall not receive any portion of these commissions, fees, and costs.

Financial Planning Services
MJT offers financial planning services either on an hourly basis (up to $500 per hour) or a fixed engagement fee.
MJT offers the following tiers for their Financial Planning Services:

DISCOVERY Meeting | $500
45-minute virtual call or office meeting designed to review financial data and overall health, answer 3-5 questions
and concerns, and give generic deliverables on changes that can impact their future. Appropriate topics for
discussion include 401(k) investment choices, college savings strategies, and basic retirement forecasting. No
formal plan is to be completed.

CORE Plan | $2,400
A financial planning engagement intended for those in the beginning stages looking at when and how to start
planning for items such as retirement, education, and home purchases. Includes written recommendations,
retirement and cash flow projections, current portfolio review, and education planning.
...

Item 7 – Types of Clients
                                    MJT & Associates Financial Advisory Group, Inc.
                            1315 Grove Ave, Suite 5, Montevideo, MN 56265Phone: (320) 269-7889

                                               http://www.mjtassociates.com

MJT offers investment advisory services to individuals, high net worth individuals, trusts and retirement plans.
The amount of each type of Client is available on MJT’s Form ADV Part 1A. These amounts may change over
time and are updated at least annually by the Advisor. MJT generally does not impose a minimum relationship
size.