MTM Financial Group LLC

Item 5: Fees and Compensation

A. Fee Schedule

Investment Supervisory Services Fees

         Total Assets Under Management                Annual Fee

               $100,000 - $150,000                       2.00%

               $150,001 - $250,000                       1.75%

               $250,001 - $500,000                       1.50%

              $500,001 - $1,000,000                      1.25%

               Above $1,000,000                          1.00%

These fees are negotiable and the final fee schedule is attached as Exhibit II of the
Investment Advisory Contract. Fees are paid quarterly in arrears, and clients may
terminate their contracts with thirty days’ written notice. Because fees are charged in
arrears, no refund policy is necessary. Clients may terminate their accounts without
penalty within 5 business days of signing the advisory contract.

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization. Because client fees will be withdrawn directly from client accounts, this
advisor must:

(A) Possess written authorization from the client to deduct advisory fees from an
account held by a qualified custodian.

(B) Send the qualified custodian written notice of the amount of the fee to be deducted
from the client’s account.

(C) Provide the client a written statement itemizing their fees paid with their quarterly
review reports.

Financial Planning Fees

Fixed Fees
Depending upon the complexity of the situation and the needs of the client, the rate for
creating client financial plans is between $495 and $1,995. Fees are paid in arrears upon
completion. Because fees are charged in arrears, no refund is necessary. The fees are
negotiable and the final fee schedule will be attached as Exhibit II of the Financial

Planning Agreement. Clients may terminate their contracts without penalty within five
business days of signing the advisory contract.

Hourly Fees
The hourly fee for these services is between $245 and $485. The fees are nonnegotiable
and the final fee schedule will be attached as Exhibit II of the Financial Planning
Agreement. Fees are paid in arrears upon completion. Because fees are charged in
arrears, no refund is necessary. Clients may terminate their contracts without penalty
within five business days of signing the advisory contract.

B. Payment of Fees

Payment of Investment Supervisory Fees

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization. Fees are paid quarterly in arrears.

Advisory fees may be invoiced and billed directly to the client with payments due
quarterly in arrears. Clients may select the method in which they are billed.

Payment of Financial Planning Fees

Hourly Financial Planning fees are paid via check in arrears upon completion. Because
fees are charged in arrears, no refund is necessary.

Fixed Financial Planning fees are paid via check in arrears upon completion. Because
fees are charged in arrears, no refund is necessary.

C. Clients Are Responsible For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e., custodian fees,
mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the
fees and expenses charged by MTM. Please see Item 12 of this brochure regarding
broker/custodian.

D. Prepayment of Fees

MTM collects its fees in arrears. It does not collect fees in advance.

       E. Outside Compensation For the Sale of Securities to Clients

       Gene Dickison and all other MTM advisors in their roles as a registered representatives
       for The Strategic Financial Alliance may accept compensation for the sale of financial
       products to MTM clients.

       1. This is a Conflict of Interest

          MTM and its supervised persons will accept compensation for the sale of securities
          or other investment products, including asset-based sales charges or services fees
          from the sale of mutual funds to its clients. This presents a conflict of interest and
          gives the supervised person and MTM an incentive to recommend products based
          on the compensation received rather than on the client’s needs. When
          recommending the sale of securities or investment products for which MTM receives
          compensation, MTM will document the conflict of interest in the client file and
          inform the client of the conflict of interest.

       2. Clients Have the Option to Purchase Recommended Products From
          Other Brokers

          Clients always have the option to purchase MTM recommended products through
          other brokers or agents that are not affiliated with MTM.

Item 7: Types of Clients
MTM generally provides investment advice and/or management supervisory services to the
following Types of Clients:

          ❖   Individuals
          ❖   High-Net-Worth Individuals
          ❖   Pension and Profit-Sharing Plans
          ❖   Non-Profit Endowment Plans

       Minimum Account Size
       There is an account minimum, $100,000, which may be waived by the investment
       advisor, based on the needs of the client and the complexity of the situation.