Ramiah Investment Group Inc

Item 5. Fees and Compensation
A. Managed Accounts: Fees are calculated on the total market value of the assets under management as determined by the fee
schedule below.

                                             Account Value       Maximum Advisory Fee*
                                             First $500,000      3.0%
                                             Next $500,000       2.5%
                                             Next $1,500,000     2.0%
                                             Over $2,500,000     1.5%

The negotiable fees are billed in advance, and paid quarterly at the beginning of the quarter and calculated on the ending asset balance
of the previous quarter. In any partial billing period, the management fee will be pro-rated based on the number of days that the
account was open. Total assets subject to fees include both liquid marketable securities and cash and cash equivalents. A minimum
annual fee of $1000 may apply to all accounts. The annual fee depends on the size and complexity of the client’s account. If the
management agreement is terminated by the client, any prepaid fees will be refunded on a pro-rated basis. A third-party Custodian
                   675 N. Barker Road, Suite 200, Brookfield, WI 53045 Tel: 262 784-7205 Fax: 262 784-7206                                 4

calculates the value of the securities in the Account and deducts the fees from the account. The value of the securities is its closing
price on the valuation date on the principal market where the securities are traded. *In these accounts, BC charges no further
commissions or any transaction, or custody fees. Investment accounts may include Exchange Traded Funds (ETFs), index funds,
inverse index funds or mutual funds. ETF’s, index funds, inverse index funds and mutual funds may incur internal fees and expenses
that are not paid to BC and are separate and apart from BC’s Advisory Fees. The Broker Dealer, Custodian and the SEC may charge
additional fees including but not limited to prospectus delivery fees and SEC transaction fees, etc.
B. 401(k) Advisory Services: The fee for this service is an annual, non-refundable fee of $350 paid in advance. This fee may be
subject to change.
C. Financial Planning: BC may provide financial planning, which is an evaluation of a client’s financial state using currently known
variables to predict future cash flows and asset values. We gather information through an in-depth interview and a questionnaire
completed by the client. BC charges a negotiable, hourly flat fee or an annual retainer for Financial Planning services. Fees are based
on the complexity and size of the assets. If the client chooses to implement the Plan through BC, commissions or fees resulting from
the purchase or sale of products in the Plan are in addition to the fee paid for formulating the Financial Plan. BC may have a conflict
of interest in implementing the Plan as it may receive commissions on insurance or securities purchased or sold. Accordingly, the
Client is not obligated to implement the Plan through BC.
D. Other: All fees paid to BC for investment advisory services are separate and distinct from the fees and expenses charged by
mutual funds to their shareholders. These fees and expenses charged by mutual funds are described in each fund’s prospectus and, or
statement of additional information. Mutual fund fees generally include a management fee, other fund expenses, and a possible
distribution fee. If the fund also imposes sales charges, a client may pay an initial or deferred sales charge. The investment adviser
representatives may also receive 12b-1 fees from mutual fund managers.
If the investment advisers receive any portion of these commissions for an asset fee-based account, including trailing 12b-1 fees from
securities transactions directed to them for an ERISA account of an investment advisory client of BC, such commissions and 12b-1
fees will be refunded to the advisory client.
 Non-Discretionary Commission based accounts will be subject to ticket charges, service charges, commissions, sales loads and
mutual fund trailers, that will be paid to an unaffiliated Broker Dealer, but will not be subject to advisory fees. Also, clients may
indirectly pay for advisory services provided by the mutual funds’ advisers and other fund expenses, for example, 12b-1 fees. In these
commission-based accounts, the client may be responsible for paying various custodian fees, including but not limited to transfer
taxes, transaction charges, exchange fees, margin fees and odd lot differential fees directly to the Broker Dealer or Custodian.
In Non-Discretionary Fee based accounts, clients will be charged a fee that is a percentage of assets calculated at the end of the
previous quarter. The total fees charged may be higher or lower than if a client paid separately for all account services in a
commission-based account depending on a number of factors including frequency of trading.
Note: Additional fees may be incurred if particular services like wire transfers, cash management accounts that have checking or
credit card features, or courier deliveries are utilized. These fees are charged by and accrue to the Custodian and/or Broker Dealer.
These fees are subject to change. The Client should verify that the fees charged in the Account are accurate.
E. Brook Federal Advisors: Brook Federal Advisors (“BFA”) is an entity connected with Brook Capital, that provides services to
Federal Employees to help them with their federal benefit planning through personal counseling. The client may implement this plan
at BC or elsewhere. Any investment advice and execution of the plan is done through Brook Capital. This still presents a conflict of
interest.

Item 7. Types of Clients
Brook Capital provides Investment Services to U.S. and international clientele who are individuals. We also provide investment
advice to trusts, charitable organizations, pension and profit- sharing plans and corporations. The standard minimum account size is
$100,000. (This is negotiated with the client on a case-by-case basis.)