Montgomery Financial Services LLC

Item 5: Fees and Compensation
 Methods of Compensation and Fee Schedule
  ASSET MANAGEMENT
  MF will utilize the services of AE Wealth Management’s (AEWM) sub-advisory platform
  (CRD#282580) to manage Clients’ investment portfolios.
  For accounts on the AEWM platform, MF charges an annual investment advisory fee based
  on the total assets under management up to a maximum of 1.75% annually.

                                Montgomery Financial Services, LLC

Accounts on the AEWM platform are billed based on the fee schedule above. Note that any
additional charges for the AEWM Platform (ranging from 0-75 bps) and/or money
managers (ranging from 0-75 bps) are included in the investment advisory fees above. Fees
are charged monthly in arrears and are based on the average daily account balance for the
period for the prior month. The calculation for the average daily balance is based on the
formula Average Daily Balance x (Fee/10,000)/# of Days in year x # of Invested Days in
Month.
Example:
Account Average Daily Balance $100,000
Client Fee 1.30% or 130 basis points
Invested January 5th
$100,000 x (130/10,000)/365 x 26 = $92.60
The annual fee is negotiable. Accounts within the same household may be combined for a
reduced fee. Lower fees for comparable services may be available from other sources.
Clients may terminate their account within five (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, unearned fees will be refunded to the Client. 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.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed
.50%. The annual fee is negotiable and will be charged as a percentage of the Included
Assets. Fees may be charged quarterly or monthly in arrears or in advance based on the
assets as calculated by the custodian or record keeper of the Included Assets (without
adjustments for anticipated withdrawals by Plan participants or other anticipated or
scheduled transfers or distribution of assets). If the services to be provided start any time
other than the first day of a quarter or month, the fee will be prorated based on the number
of days remaining in the quarter or month. If this Agreement is terminated prior to the end
of the billing cycle, MF shall be entitled to a prorated fee based on the number of days
during the fee period services were provided or Client will be due a prorated refund of fees
for days services were not provided in the billing cycle.
The fee schedule, which includes compensation of MF for the services is described in detail
in Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees, however
the Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or have
fees deducted from Plan Assets. MF does not reasonably expect to receive any additional
compensation, directly or indirectly, for its services under this Agreement. If additional
compensation is received, MF will disclose this compensation, the services rendered, and
the payer of compensation. MF will offset the compensation against the fees agreed upon
under the Agreement.
FINANCIAL ANALYSIS
In the event the client does not engage MF on one of the options above, the client and MF
may agree to an hourly fixed fee of up to $350 per hour. Prior to the planning process the
Client will be provided an estimated plan fee. Lower fees for comparable services may be
available from other sources. The services include but are not limited to a thorough review
of all applicable topics including Wills, Estate Plan/Trusts, Investments, Taxes, and

                              Montgomery Financial Services, LLC

  Insurance. Client will pay the estimated analysis fee upon signing of the agreement.
  Services are completed and delivered inside of ninety (90) days. Client may cancel within
  five (5) days of signing Agreement for a full refund. After the initial five (5) business days,
  the agreement may be terminated by MF with thirty (30) days written notice to Client and
  by the Client at any time with written notice to MF. If the Client cancels after five (5) days,
  any unearned fees will be refunded to the Client.
 Client Payment of Fees
  Investment management fees are billed monthly in arrears. ERISA fees may be billed in
  advance. Fees are usually deducted from a designated Client account to facilitate billing.
  The Client must consent in advance to direct debiting of their investment account.
 Additional Client Fees Charged
  Custodians may charge transaction fees on purchases or sales of certain mutual funds,
  equities, and exchange-traded funds. These charges may include mutual fund transactions
  fees, postage and handling, and miscellaneous fees. These transaction charges are usually
  small and incidental to the purchase or sale of a security.
  MF, in its sole discretion, may charge a lesser investment advisory fee 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.). For more details on the
  brokerage practices, see Item 12 of this brochure.
 Prepayment of Client Fees
  Fees for financial analysis when applicable are paid in advance.
 External Compensation for the Sale of Securities to Clients
  MF does not receive any external compensation for the sale of securities to Clients,
  however, affiliated persons may also be licensed insurance agents who receive separate yet
  typical commission for the sale of insurance products.
...

Item 7: Types of Clients
 Description
  MF generally provides investment advice to individuals. Client relationships vary in scope
  and length of service.

                                Montgomery Financial Services, LLC

 Account Minimums
  MF does not require a minimum to open an account; however Co-Advisors and Sub-
  Advisors utilized by MF may require a minimum.