Pacific Financial Group Inc

Item 5. Fees and Compensation
Clients pay various fees (“Program Fees”) for the servicing of their account as determined by the
Investment Solution selected by the Adviser and Client. The Program Fees are used by TPFG to
maintain its operations, design the various Investment Solutions, manage Model Portfolios
created by TPFG, select Strategist Model Portfolios for certain Investment Solutions, and trade
Client accounts consistent with the Model Portfolios selected by the Adviser. The Program Fees
also compensate Advisers for their services, including referring the Client to TPFG, serving as the
primary relationship with the Client, collecting information on the Client’s investment objective
and individual circumstances, recommending Investment Solutions and Model Portfolios, and
monitoring the Client’s account and any changes in the Client’s personal or financial
circumstances. Unless otherwise noted here, the Program Fees assessed by TPFG are exclusive of
any fees a fund, Strategist, or other investment vehicle may charge, as well as any brokerage or
account maintenance fees which may be charged by the custodian. See Item 12, Brokerage
Practices.

Except for the Strategy Plus, where there are no Program Fees paid directly by the Client, or in
situations where the Client has elected to pay Program Fees from sources other than the Client’s

account, TPFG may need to liquidate one or more holdings to raise cash to pay the Program Fees.

Strategy Plus and EPIC Plus Fees
Clients that participate in a Strategy Plus Solution, through a Self-Directed Brokerage Account or a
traditional brokerage account, are investing in Model Portfolios that consist solely of the PFG
Funds managed by TPFG’s affiliate, PFG. Under the Strategy Plus Solution, TPFG does not charge
a Program Fee and neither TPFG nor the Adviser receives any fees paid directly by the Client.
Instead, the PFG Funds charge fees that are paid indirectly by Clients, as shareholders of the PFG
Funds (see “PFG Fund Fees”).

For EPIC Plus, TPFG does not retain any portion of the Program Fee. The Adviser negotiates a
fee with the Client, not to exceed an annual fee of 2.0%.

PFG Fund Fees
The PFG Funds pay the following fees which are indirectly paid by the Client as a shareholder of
the PFG Funds. These fees are internal expenses of the PFG Funds and are not negotiable. The
fees are assessed against the daily Net Asset Value (“NAV”) of each PFG Fund and are paid
monthly, in arrears. The PFG Fund’s internal expenses do not include the Acquired Fund Fees and
Expense (“AFFE Fees”) of the Underlying Funds. Clients will indirectly pay, through the PFG
Funds, the following fees when participating in the Strategy Plus, Epic Plus, CHOICE, and P4
Solutions.

•   Advisory Fee - The Funds pay 1.25% of the NAV of each Fund to PFG, an affiliate of TPFG,
    for providing investment advice to the Funds. For PFG Fund assets that are more than $3
    billion in aggregate, the advisory fee is 1.20%. The receipt of these fees provides a benefit
    to TPFG as TPFG can use the fees in its affiliated operations with PFG.

•   Administrative Services Fee - TPFG entered into an Administrative Services Agreement
    with the PFG Funds. Under the terms of the Agreement, TPFG receives a fee from each Fund
    in an amount equal to 70 basis points (0.70%) of the Fund’s NAV for providing
    administrative services, to include facilitating subscriptions to the PFG Funds, providing
    investor and Adviser support, responding to inquiries about the PFG Funds, and assisting in
    account maintenance. TPFG is also responsible to pay all the operating costs of each of the
    PFG Funds.

Clients should review the PFG Funds’ Prospectus for a description of all fees and charges assessed
by the PFG Funds. A copy of the PFG Funds’ Prospectus can be found at www.TPFG.com.

•   Conflicts of Interest when Receiving Compensation from the PFG Funds - The receipt
    of fees from the PFG Funds by TPFG and its affiliate, PFG, creates a conflict of interest as
    TPFG has a financial incentive to select the PFG Funds when designing Investment Solutions,
    based on the fees received. To mitigate this conflict, TPFG does not charge any Program Fee
    for Strategy Plus and does not retain any portion of the Program Fee for EPIC Plus. In
    addition, all fees are fully disclosed to the Client. The conflict is also mitigated as it is the
    responsibility of the Adviser, and not TPFG, to select or recommend the Investment Solutions

    that match the individual circumstances of the Client. For a discussion of the conflicts and
    mitigation efforts, see Item 10, Other Financial Industry Affiliations, and Item 14, Client
    Referrals and Other Compensation.

•   Client Pays Fund Fee Regardless - When participating in Investment Solutions that invest
    in one or more PFG Funds, the Client is a shareholder of the PFG Funds. The internal fund
    fees (advisory and administrative) are assessed against the Fund and indirectly paid by the
    Client regardless of the services rendered or the Model selected. Accordingly, if the Client
    terminates the advisory agreement with TPFG and/or the Adviser, the PFG Funds will
    continue to assess the fees, but the Client will no longer be receiving the benefits of the
    services provided by TPFG or the Adviser. Clients should review the Prospectus for a
    description of all fees and charges assessed. A copy of the PFG Funds Prospectus can be found
    at https://www.tpfg.com/funds-reports. In addition to the discussion of fees paid by the Client
    in this Brochure, the amounts and sources of all fees paid by the Client to TPFG and the
    Adviser are disclosed in the Client Agreements. By evaluating these disclosure documents
    with the assistance of the Client’s Adviser, the Client will be able to make fully informed
    decisions.

Other EPIC Program Fees
...

Item 7. Types of Clients
TPFG provides advisory services to individuals, retirement plan participants and owners of
individual retirement accounts, as well as pension and profit-sharing plans, trusts, estates,
charitable organizations, corporations and other business entities. TPFG requires the following
minimum dollar value of assets for opening an account:

                        Solutions                                    Account Minimum
                                                      No minimum unless otherwise stated by the plan sponsor
                        Strategy Plus
                                                                     or custodial platform
                       EPIC Plus                                           $10,000
                     EPIC CHOICE                                           $10,000
                                                                           $10,000*
                            P4
                        CORE                                                 $5,000**
                        VAO                                                No minimum
            Separately Managed Accounts:                       SMA Custodian Account Minimums
                                                               Charles Schwab, Fidelity, and Pershing
                  Income – Cash Yield                                        $50,000
                         Balanced                                           $100,000
                   Strategic Balanced                                        $25,000
               Strategic Moderate Growth                                     $25,000
                    Capital Defender Series                                  $50,000
                          Equity                                            $100,000
                     Strategic Equity                                        $25,000

*For P4, which is a high-service Investment Solution, the Adviser must maintain at least $15 million invested in non-
retirement Investment Solutions.

**TPFG, in its discretion, may waive the account minimum.

If the balance of a Client’s account falls below the minimum account size due to withdrawals or
inadequate capitalization, TPFG reserves the right, in its sole discretion, to remove the Client
from that Investment Solution. Certain Strategist Model Portfolios might impose a minimum
account size. For Clients using a Unified Managed Account, the minimum initial account size
for each Model Portfolio held within that account will apply. TPFG can waive the minimum
account requirements at their sole discretion unless prohibited by the custodian or the Strategist.