Peterson Financial Group Inc

ITEM 5 - FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEES
Clients receive investment management services through Peterson Financial Group.
Peterson Financial Group utilizes a third-party IMO (AEWM) for the billing of these services
through a Wrap Program. Fees will be calculated as a percentage of assets under
management (AUM) based on the average daily balance of account(s) and deducted from
Client account(s) in arrears on a monthly basis.

The wrap program fees for investment management accounts do not exceed 1.40% and
will cover the cost charged by Peterson Financial Group, AEWM, any other third-party
partners we utilize and the custodian (Fidelity). No other management fees are charged to
client accounts by the Firm.

When invested in a Model there is typically a small percentage invested in cash as part of
that model (i.e., 1%). That “cash” will be included in the AUM fee. Cash held in other types
of accounts, such as a stand-alone money market, a “contribution distribution sleeve” or
“non-managed” account (used for purposes of scheduled distributions or flexibility of
withdrawals) is “not” included in the fee.

The Firm’s employees and their family-related accounts are charged a reduced fee for the
Firm’s services.

In some instances, we may not have discretion and an account is set up for client directed
trades only. The Firm has the ability to view and initiate client-directed trades but the Firm
does not maintain ongoing management or supervision of the accounts. For these
accounts, the custodian bills a $30 annual administration fee. The Firm does not receive
any compensation.

Either Peterson Financial Group or the Client may terminate the management agreement
immediately upon written notice to the other party. The management fee will be pro-rated
to the date of termination, for the month in which the cancellation notice was given and

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FEBRUARY 2026| PAGE 9

billed to Client accounts. Upon termination, the Client is responsible for monitoring the
securities in Client accounts, and we will have no further obligation to act or advise with
respect to those assets. In the event of client’s death or disability, Peterson Financial Group
will continue management of the account until we are notified of client’s death or disability
and given alternative instructions by an authorized party.

DONOR-ADVISED FUNDS
Because the Firm earns an investment advisory fee on DAF assets, a conflict of interest
exists when we recommend that a client donate assets to a DAF rather than making a direct
gift to a charity. We mitigate this conflict adhering to our fiduciary duty to provide advice
in the client’s best interest. The annual management fee will be calculated based on the
net asset value of the donor account in the same manner as the asset management fee
calculation described above.

PRIVATE FUNDS:
Clients invested in Private Funds are subject to certain fees, such as a management,
performance or incentive fee and other fees and expenses, which are outlined in the fund’s
offering documents. It is important for clients to review the fund’s offering documents to
fully understand all the fees associated with the Fund. All the above fees are in addition to
the fees charged by Peterson Financial. It is important for clients to know all the fees
associated with their accounts; therefore, clients should review the fees charged by: (i)
certain investments, such as private funds and mutual funds, and (ii) third parties, such as
custodians, brokers and advisers, along with the fees charged by Peterson Financial to fully
understand the total amount of fees affecting the account. Neither Peterson Financial nor
any of its supervised persons receives compensation for the purchase/sale/holding of
securities or other investment products.

FINANCIAL PLANNING
Financial planning services are included within the Firm’s investment advisory services for
no additional fee.

SIGNAL PROVIDER
The Firm does engage the services of unaffiliated and independent registered investment
advisor(s) (“Signal Providers”) to receive buy and sell signals, research, or other
information that the Firm uses to manage a particular strategy/portfolio. Such Signal
Providers will not act as fiduciaries with respect to any client as they are engaged to provide
market-related services to the Firm. In providing individualized investment advice, the Firm

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will invest a client’s assets in accordance with the recommendations of one or more Signal
Providers or may invest the account in any manner it deems appropriate based on the
client’s personal objectives. All fees incurred by the subscription to various Signal Providers
are paid by Peterson Financial Group (as a percentage of the fees generated within a
particular strategy). Thus, a portion of the advisory fee paid by a client to Peterson Financial
Group may be used to compensate such third-party providers or consultants.

ADDITIONAL FEES AND EXPENSES:
In addition to the Wrap Fee paid to Peterson Financial Group, clients may also incur certain
charges imposed by other third parties, trust companies, banks and other financial
institutions (collectively “Financial Institutions”). These additional charges may include fees
charged by the margin costs, charges imposed directly by a mutual fund or ETF in a client’s
account, as disclosed in the fund’s prospectus (e.g., fund management fees and other fund
expenses), deferred sales charges, regulatory fees assessed by SEC and/or FINRA odd-lot
differentials, transfer taxes, wire transfer and electronic fund fees, and taxes on brokerage
accounts and securities transactions. These fees are not included within the wrap program
fee is charged by the Firm.
Treatment of Mutual Fund Share Classes
Mutual funds often offer multiple share classes with differing internal fee and expense
structures. Our firm’s planning methodology does not include the purchase of mutual fund
...

ITEM 7 - TYPES OF CLIENTS

The Firm works with the following types of clients:
    •   Individuals
    •   High net-worth individuals.
We do not impose a minimum account value to initiate the Firm’s advisory and investment
management services.