Reap Financial Group LLC

Item	5:	Fees	and	Compensation
     Method	of	Compensation	and	Fee	Schedule
     ASSET	MANAGEMENT
     Irrespective	of	the	sub-advisor	selected	for	management	of	the	client’s	account,	clients	pay
     REAP	an	annual	asset-based	fee	for	these	services	which	is	calculated	as	a	percentage	of	the
     value	of	their	assets	under	management	up	to	a	maximum	rate	of	2.00%	per	annum.	These
     fees	 are	 negotiable,	 may	 vary	 based	 upon	 the	 specific	 sub-advisor,	 investment	 model(s),
     strategy(ies),	 and	 manager(s)	 chosen	 for	 the	 account,	 and	 other	 factors,	 and	 will	 be
     documented	 in	 a	 written	 investment	 advisory	 agreement	 executed	 with	 the	 client	 at	 the
     inception	of	our	services.	The	annual	advisory	fee	paid	to	REAP	includes	the	costs	of	the

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    selected	 sub-advisor’s	 services	 to	 the	 client’s	 account.	 Details	 regarding	 the	 manner	 of
    billing	and	collecting	advisory	fees	with	respect	to	each	of	the	sub-advisory	programs	we
    utilize	are	described	below.
    Bison
    Where	Bison	is	selected		as	the	sub-advisor	for	the	client,	REAP’s	advisory	fees	are	assessed
    quarterly	in	advance	based	on	the	amount	of	the	assets	managed	as	of	the	last	business	day
    of	the	previous	quarter.	All	such	fees	are	directly	withdrawn	from	the	client’s	account	by
    Bison	on	behalf	of	REAP,	unless	otherwise	agreed	with	the	client.	REAP	will	receive	written
    authorization	from	the	client	for	the	foregoing	direct	fee	deduction	arrangement.	Typically,
    Bison	will	calculate	the	advisory	fees	due,	deduct	the	fees	from	the	client’s	account,	retain
    the	Bison	portion	of	the	total	fee	collected,	and	remit	to	REAP	the	remaining	balance	of	the
    fees.	 Clients	 may	 terminate	 their	 account	 within	 five	 (5)	 business	 days	 of	 signing	 the
    investment	 advisory	 agreement	 with	 no	 obligation	 and	 no	 advisory	 fee	 will	 be	 charged.
    Thereafter,	either	party	may	terminate	the	engagement	on	ten	(10)	days’	advance	written
    notice.	 The	 client	 will	 be	 entitled	 to	 a	 pro-rata	 refund	 for	 the	 days’	 service	 that	 was	 not
    provided	in	the	final	quarter.
    Signal	Advisors	Wealth
    Where	Signal	Wealth	is	selected	as	the	sub-advisor	for	the	client,	REAP’s	fees	are	assessed
    quarterly	in	advance	based	on	the	amount	of	the	assets	managed	as	of	the	last	business	day
    of	the	previous	quarter.	All	such	fees	are	directly	withdrawn	from	the	client’s	account	by
    Signal	Wealth	on	behalf	of	REAP,	unless	otherwise	agreed	with	the	client.	REAP	will	receive
    written	authorization	from	the	client	for	the	foregoing	direct	fee	deduction	arrangement.
    Typically,	Signal	Wealth	will	calculate	the	advisory	fees	due,	deduct	the	fees	from	the	client’s
    account,	retain	the	Signal	Wealth	portion	of	the	total	fee	collected,	and	remit	to	REAP	the
    remaining	balances	of	the	fees.	Clients	may	terminate	their	account	within	five	(5)	business
    days	of	signing	the	investment	advisory	agreement	with	no	obligation	and	no	advisory	fee
    will	be	charged.	Thereafter,	either	party	may	terminate	the	engagement	on	ten	(10)	days’
    advance	written	notice.	The	client	will	be	entitled	to	a	pro-rata	refund	for	the	days’	service
    that	was	not	provided	in	the	final	quarter.
    ALTERNATIVE	INVESTMENT	DUE	DILIGENCE
    REAP	will	charge	clients	a	fixed	fee	of	up	to	1.10%	of	the	value	of	the	investible	asset	for	the
    due	diligence	work	on	certain	private	placements.	The	fees	are	billed	quarterly	either	in
    arrears	 or	 in	 advance	 depending	 on	 the	 platform.	 The	 sponsor	 of	 the	 investment	 will
    transfer	the	fee	from	the	client’s	private	placement	account	to	an	account	held	at	a	qualified
    custodian.	REAP	will	then	directly	deduct	the	fee	from	the	client’s	account	(with	the	client’s
    prior	written	authorization).
    FINANCIAL	PLANNING	AND	CONSULTING
    Financial	planning	services	are	offered	either	on	a	fixed	fee	basis	or	based	on	a	maximum
    hourly	rate	of	$400	per	hour,	depending	on	the	complexity	of	the	client’s	planning	needs.
    Prior	 to	 the	 planning	 process,	 the	 client	 will	 be	 required	 to	 execute	 a	 written	 financial
    planning	agreement	detailing	either	a	fixed	or	estimated	plan	fee	as	applicable.	REAP	may
    require	an	initial	payment	of	up	to	50.00%	of	the	estimated	fee	at	the	time	of	engagement.
    The	balance	of	the	fee	is	due	upon	delivery	of	services	or	delivery	of	a	written	financial	plan
    or	report(s)	(where	applicable)	to	the	client.	Financial	planning	engagements	are	typically
    completed	 within	 six	 (6)	 months	 of	 inception,	 assuming	 the	 client	 promptly	 provides	 all
    requested	documentation	to	REAP.
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        Clients	 may	 terminate	 our	 financial	 planning	 and	 consulting	 services	 within	 five	 (5)
        business	 days	 of	 signing	 the	 financial	 planning	 agreement	 with	 no	 obligation	 and	 a	 full
        refund	of	any	fees	paid	in	advance.	Thereafter,	either	party	may	terminate	the	engagement
        on	ten	(10)	days’	advance	written	notice.	If	the	client	cancels	after	five	(5)	business	days	but
        before	the	delivery	of	the	plan,	the	client	will	either	pay	any	earned	fees	to	REAP	for	the
        work	completed	prior	to	termination	or	receive	a	pro-rated	refund	for	any	unearned	fees
        paid	in	advance.	For	fixed	fee	arrangements,	REAP	reserves	the	right	to	determine	the	value
        of	its	services	prior	to	termination.	REAP	reserves	the	right	to	waive	or	offset	its	financial
        planning	and	consulting	fees	if	the	client	decides	to	implement	the	plan	with	REAP.	Clients
        are	never	obligated	to	engage	REAP	or	its	associated	persons	for	the	implementation	of	any
        recommended	investments	or	the	purchase	of	any	insurance	products.

    Client	Payment	of	Fees
...

Item	7:	Types	of	Clients
        Description
         REAP	provides	investment	advice	primarily	to	individuals,	high-net-worth	individuals,	and
         trusts.	Client	relationships	vary	in	scope	and	length	of	service.

        Account	Minimums
         Although	REAP	does	not	impose	account	minimums,	some	sub-advisors	utilized	by	REAP
         may	have	a	minimum	to	open	an	account	on	their	platform.	Clients	are	advised	to	review
         the	Form	ADV	Part	2A	brochure	of	the	selected	sub-advisor	for	details.

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