Pathways Advisory Group Inc

Item	5	‐	Fees	and	Compensation
Other	Fees	or	Expenses	Paid	in	Connection	with	Our	Services

 All fees paid to us for investment advisory and financial planning services are separate and
 distinct from the fees and expenses charged by mutual funds to their shareholders. Mutual
 fund expenses are described in each fund's prospectus. These expenses will generally include
 a management fee, other fund expenses, and possibly a distribution fee. In addition, mutual
 funds incur transaction costs and opportunity costs, which are disclosed in the fund’s
 prospectus or Statement of Additional Information, but which may be estimated.

 You may incur transaction fees or commissions in connection with the trading of some mutual
 funds, ETFs, and individual stocks and bonds (and/or principal mark-ups and mark-downs for
 principal trades), which are charged by the custodian (brokerage firm holding your assets for
 safekeeping). The transaction costs for stock and bond trades vary.

 Accordingly, you should review both the fees charged by the funds (including transaction and
 opportunity costs within funds which are not included in a fund’s annual expense ratio), the
 transaction fees charged by the custodian, as well as the fees charged by us, to fully
 understand the total amount of fees and costs paid by you, in connection with any
 recommended transaction. For a discussion of our practice in recommending brokers
 (custodians) to you and negotiating brokerage fees on your behalf, please see page 22.

 You may also incur “account termination fees” upon the transfer of an account from one
 brokerage firm (custodian) to another. The range for these account termination fees is

Pathways Advisory Group, Inc.         FORM ADV Part 2 A              SEC File Number: 801-67921
CRD Number: 143817                       (“BROCHURE”)

 believed to range generally from $0 to $200 at present, but at times may be much higher. You
 should contact your custodians (brokerage firms, bank or trust company, etc.) to determine the
 amount of account termination fees which may be charged and deducted from your accounts
 for any existing accounts which may be transferred.

 When we provide investment advice to you regarding your retirement plan account or
 individual retirement account, we are fiduciaries within the meaning of Title I of the
 Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable,
 which are laws governing retirement accounts. The way we make money creates some
 conflicts with your interests, so we operate under a special rule that requires us to act in your
 best interest and not put our interest ahead of yours.

 Under this special rule’s provisions, we must:

        Meet a professional standard of care when making investment recommendations (give
         prudent advice)
        Never put our financial interests ahead of yours when making recommendations (give
         loyal advice)
        Avoid misleading statements about conflicts of interest, fees, and investments
        Follow policies and procedures designed to ensure that we give advice that is in your
         best interest
        Charge no more than is reasonable for our services
        Give you basic information about conflicts of interest

 Pathways only charges asset management or financial planning fees for our services and does
 not receive any commissions, 12b-1 fees, or other forms of compensation.

Cancellation	and	Termination	of	Agreements

 Upon termination of our agreement, the quarterly fee will be pro-rated through the date of
 termination. Termination of an agreement will not affect: (a) the validity of any action
 previously taken by us under the agreement; liabilities or obligations of the parties from
 transactions initiated before termination of the agreement; or your obligation to pay advisor
 fees (prorated through the date of termination). Upon the termination of the agreement, we
 will have no obligation to recommend or take any action with regard to the securities, cash, or
 other investments in your account.

Rollover	Recommendations

 When we provide any rollover recommendations (for instance, from your employer’s
 retirement plan, such as a 401(k), 457, or ERISA 403(b) account to individual retirement
 accounts), we are acting as fiduciaries within the meaning of Title I of the ERISA and/or the
 Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement
 accounts. If you elect to roll the assets to an IRA we will manage for you, we will charge you
 an advisory fee. This financial incentive creates a conflict of interest, unless we already
 charge a fee on the retirement plan assets, which is usually the case.

Pathways Advisory Group, Inc.         FORM ADV Part 2 A             SEC File Number: 801-67921
CRD Number: 143817                       (“BROCHURE”)

 You are under no obligation to complete the rollover. Moreover, if you do complete the
 rollover, you are under no obligation to have the assets in the IRA managed by our firm. Due
 to the potential conflict of interest when we make rollover recommendations, we operate
 under rules that require us to act in your best interest and not put our interests ahead of
 yours. The rule’s provisions require us to:

         Meet a professional standard of care when making investment recommendations (give
          prudent advice)
         Never put our financial interests ahead of yours when making recommendations (give
          loyal advice)
         Avoid misleading statements about conflicts of interest, fees, and investments
         Follow policies and procedures designed to ensure that we give advice that is in your
          best interest
         Charge no more than is reasonable for our services
         Give you basic information about conflicts of interest

 Many employers permit former employees to keep their retirement assets in their company
...

Item	7	‐	Types	of	Clients	and	Account	Minimums
 We provide investment advice primarily to individuals and their families, including high net
 worth individuals, and trusts.

 We may also provide investment advice to pension and profit-sharing plans and other ERISA
 accounts, and plan participants, as well as foundations, business entities, and other
 institutions.

 Generally, the minimum account size under the Financial Consulting Service is $300,000,
 subject to a minimum annual fee of $5000. The minimum fee would increase the maximum
 percentage rate paid on some accounts to more than the 1.5% beginning tier percentage as
 shown on the standard fee schedule. However, in no case would the fee exceed 3% per year.
 Account sizes above $500,000 would always have a blended annualized rate below 1.5%.