Oxford Planning Group LLC

Item 5 Fees and Compensation

A. INVESTMENT ADVISORY SERVICES
   The client can engage the Registrant on a negotiable fee-only basis to provide
   discretionary and/or non-discretionary investment advisory services including limited
   financial planning and consulting services. The negotiable annual fee is based upon a
   percentage (%) of the total market value, generally between 0.25% and 1.50%. As
   indicated in Item 4 above, Registrant shall base fees upon various objective and subjective
   factors, including, but not limited to: the amount of the assets placed under Registrant’s
   direct management, the complexity of the engagement, and the level and scope of the
   overall investment advisory services to be rendered. Fees are charged in accordance with
   the client’s fee schedule as stated in client agreement, depending on service provided by
   Advisor. Investment Advisory fees are charged in advance and based on the market value
   of the assets on the last business day of the previous billing quarter. Fees for financial
   planning consulting are payable as an initial deposit upon engagement and balance due
   upon completion (not to exceed $500 six or more months in advance). Fees for
   Retirement Plan services are charged according to the plan services agreement, either in
   advance or in arrears, depending on the chosen recordkeeper/custodian’s method of fee
   calculation. As a result of these factors, the services to be provided by the Registrant to
   any particular client could be available from other advisers at lower fees. All clients and
   prospective clients should be guided accordingly.

    FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)
    The Registrant may determine to provide financial planning and/or consulting services
    (including investment and non-investment related matters, including estate planning,
    insurance planning, etc.) on a stand-alone fee basis. Registrant’s financial planning and
    consulting fees are negotiable, but generally range from $4,500 to $10,000 on a fixed fee
    basis, and $450 on an hourly rate basis, depending upon the level and scope of the
    service(s) required and the professional(s) rendering the service(s).

    RETIREMENT PLAN CONSULTING SERVICES
    The Registrant also provides non-discretionary retirement plan consulting services,
    pursuant to which it assists sponsors of self-directed retirement plans and defined benefit
    plans with the selection and/or monitoring of investment alternatives (generally open-
    end mutual funds) from which plan participants shall choose in self-directing the
    investments for their individual plan retirement accounts. The terms and conditions of
    the engagement shall generally be set forth in a Retirement Plan Consulting Agreement
    between the Registrant and the plan sponsor. The Registrant charges a negotiable annual
    fee for retirement plan consulting services, which generally ranges from 0.10% to 1% of
    plan assets depending on the level and scope of services requested, and the size of the
    plan.

B. Clients may elect to have the Registrant’s advisory fees deducted from their custodial
   account. Both Registrant’s Investment Advisory Agreement and the custodial/clearing
   agreement may authorize the custodian to debit the account for the amount of the
   Registrant’s investment advisory fee and to directly remit that advisory fee to the
   Registrant in compliance with regulatory procedures. In the limited event that the
   Registrant bills the client directly, payment is due upon receipt of the Registrant’s invoice.
   The Registrant shall deduct fees and/or bill clients quarterly in advance, based upon the
   market value of the assets on the last business day of the previous quarter. Certain
   Qualified Plan custodians calculate fees in arrears and remit Registrant’s fee monthly as
   specified in client agreements.

C. As discussed below, unless the client directs otherwise or an individual client’s
   circumstances require, the Registrant shall generally recommend that Charles Schwab
   and Co., Inc., a FINRA-registered broker-dealer, member SIPC, (“Schwab”) serve as the
   broker-dealer/custodian for client investment advisory assets. Broker-dealers such as
   Schwab charge brokerage commissions and/or transaction fees for effecting certain
   securities transactions (i.e., transaction fees are charged for certain no-load mutual funds,
   commissions are charged for individual equity and fixed income securities transactions).
   In addition to Registrant’s investment advisory fee, brokerage commissions and/or
   transaction fees, clients will also incur, relative to all mutual fund and ETF purchases,
   charges imposed at the fund level (e.g., management fees and other fund expenses). The
   fees charged by Schwab, as well as the charges imposed at the mutual fund and exchange
   traded fund level, are in addition to Registrants’ advisory fee referenced in this Item 5.

D. The Registrant’s annual investment advisory fee is prorated and paid quarterly in
   advance, based upon the market value of the assets on the last business day of the
   previous quarter. As noted in Item 5B, some Qualified Plan custodian’s bill in arrears and
   this is specified in client agreements. The Registrant generally does not require a

         minimum annual investment advisory fee. The Registrant, in its sole discretion, may
         reduce its investment advisory fee based upon certain criteria (i.e. anticipated future
         earning capacity, anticipated future additional assets, familial relationship, dollar amount
         of assets to be managed, related accounts, account composition, etc.). Upon termination
         of the Investment Advisory Agreement or the Retirement Plan Consulting Agreement, the
         Registrant shall refund the pro-rated portion of the advanced advisory fee paid based
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Item 7           Types of Clients

         The Registrant’s clients shall generally include: individuals, high net worth individuals,
         pension & profit sharing plans, charitable organizations, and corporations or other
         businesses not listed above. The Registrant generally does not require a minimum annual
         investment advisory fee. The Registrant, in its sole discretion, may reduce its investment
         advisory fee based upon certain criteria (i.e. anticipated future earning capacity,
         anticipated future additional assets, familial relationship, dollar amount of assets to be
         managed, related accounts, account composition, etc.).