NorthStar Advisory Group LLC

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 Services
Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
wealth management agreement. Wealth management fees are based on the market value of assets under
management at the end of the prior calendar quarter. Wealth management fees are based on the following
schedule:

                  Assets Under Management ($)                Annual Rate (%)
                            Up to $100,000                         1.30%
                         $100,001 to $250,000                      1.25%
                         $250,001 to $500,000                      1.20%
                        $500,0001 to $750,000                      1.15%
                        $750,001 to $1,000,000                     1.10%
                       $1,000,001 to $2,500,000                    1.00%
                       $2,500,001 to $5,000,000                    0.95%
                       $5,000,001 to $7,500,000                    0.90%
                      $7,500,001 to $10,000,000                    0.85%
                        $10,000,001 and Above                    Negotiable

The wealth management fee in the initial quarter of service is prorated from the inception date of the account[s] to
the end of the initial 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
                                              NorthStar Advisory Group, LLC
                                       1555 Zion Road, Suite 204, Northfield, NJ 08225
                                        Phone: (833) 226-0400 | Fax: (609) 674-0020
                                           https://theNorthStaradvisorygroup.com

managed by NorthStar Advisory Group will be independently valued by the Custodian. NorthStar Advisory Group
will conduct periodic reviews of the Custodian’s valuations to ensure accurate billing.

Clients may make additions to and withdrawals from their account[s] at any time. However, reconciliations are
performed on a monthly basis to capture if, in any given day, assets in excess of $20,000 are deposited into or
withdrawn from an account after the start of the quarterly billing period. An adjustment will be made in the form of a
credit or debit the following billing period to reflect the interim change in portfolio value from the date of the
deposit/withdrawal until the end of the quarter.

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.

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. Independent Managers typically do not offer any fee discounts but may have a breakpoint
schedule which will reduce the fee with an increased level of assets placed under management with an
Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure
brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s
fee and the Independent Manager’s fee, will not exceed 2.00% annually.

Financial Planning and Consulting Services
NorthStar Advisory Group offers financial planning and consulting services either on an hourly or fixed fee basis.
Hourly fees range up to $500 per hour. Fixed fees are based on the hourly rate times the expected time to
complete the engagement. Fees may be negotiable based on the nature and complexity of the services to be
provided and the overall relationship with the Advisor. An estimate for total hours and total costs will be provided
to the Client prior to engaging for these services. Generally, such financial planning services will involve
preparing a financial plan or rendering a financial consultation for Clients based on the Client’s financial
goals and objectives. This planning or consulting may encompass one or more areas of need, including,
but not limited to investment planning, retirement planning, personal savings, education savings,
insurance needs, small business consulting and other areas of a Client’s financial situation.

Retirement Plan Advisory Services
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.50% and are billed
quarterly in advance, 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.

Financial Institution Consulting Services
NorthStar Advisory Group receives a consulting fee based on the assets under MSI’s management from Brokerage
Customers who have provided written consent to MSI to receive the consulting service from NorthStar Advisory
Group. The consulting fee is calculated from the assets under MSI’s management as of the end of a calendar
quarter period multiplied by the annualized rate of 0.65%. The initial fee is paid only after the completion of one full
calendar quarter period following the date of the executed agreement with MSI.
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Item 7 – Types of Clients

NorthStar Advisory Group offers investment advisory services to individuals, high net worth individuals, trusts,
estates, retirement plans and broker-dealers. NorthStar Advisory Group generally does not impose a minimum
relationship size, however certain Independent Managers may impose a minimum fee.