Retirement Financial Group LLC

Fees and Compensation - Item 5

 Consulting Services Fees
 RFG charges a negotiable hourly fee of up to $500 for consulting services. Prior to engaging RFG to provide
 consulting services, clients will be required to enter into a written agreement. The agreement will set forth the
 terms and conditions of the engagement and will describe the scope of the services to be provided. Fee payment
 arrangements may be negotiated with the client on a case-by-case basis. Fees are payable upon completion of
 agreed upon services. Either party may terminate the agreement by written notice to the other. Refunds are not
 applicable because fees are payable in arrears.

 Portfolio Management Services Fees
 For portfolio management services, RFG charges an annual fee of up to 1.50% of assets under management.
 Portfolio management fees are payable monthly in arrears and are based on the value of the assets on the last
 business day of the month just ended. Other fee payment arrangements can be negotiated on a case-by-case
 basis. These arrangements will be listed in the advisory agreement signed by the firm and the client.

 The fee is deducted from the client's account held at the custodian. The sub adviser calculates the fee and debits
 such fees from the client’s custodial account on behalf of RFG. If insufficient cash is available to pay such fees,
 securities in an amount equal to the balance of unpaid fees will be liquidated to pay for the unpaid balance. In
 limited cases, we may invoice the client directly for the payment of fees.

 The fee listed above includes the compensation received by the model provider and the sub adviser. We may
 modify the fee at any time upon 30 days’ written notice.

 Our annual fee is exclusive of and in addition to brokerage commissions, transaction fees, and other related costs
 and expenses, which will be incurred by the client. However, we will not receive any portion of the commissions,
 fees, and costs. Please see Item 12 – Brokerage Practices for further information on brokerage and transaction
 costs.

 The portfolio management agreement may be canceled at any time by the client or by RFG with 30 days’ prior
 written notice to the other party. Refunds are not applicable because the fee is payable in arrears.

Retirement Financial Group, LLC
Form ADV Part 2A Brochure

 Additional Information About Fees and Expenses
 Advisory recommendations are based on financial information and situation that you disclose to us at the time
 the services are provided. Certain assumptions will be made with respect to interest and inflation rates and the
 use of past trends and performance of the market and economy. Past performance is in no way an indication of
 future returns. As your financial situation, goals, objectives, or needs change, you must notify us promptly.

 RFG’s fees are negotiable based on the complexity of client goals and objectives and level of services rendered.
 Fees are charged as described above and are not based on a share of capital gains of the funds of an advisory
 client. We also allow Associated Persons servicing the account to negotiate the exact investment management
 fees within the range disclosed in our Form ADV Part 2A Brochure. As a result, the Associated Person servicing
 your account may charge more or less for the same service than another Associated Person of our firm. Further,
 our annual investment management fee may be higher than that charged by other investment advisors offering
 similar services/programs.

 All fees paid to RFG for investment advisory services are separate and distinct from the fees and expenses charged
 by mutual funds or exchange traded funds to their shareholders. These fees and expenses are described in each
 fund's prospectus. These fees generally include management fees, other fund expenses, early redemption fees,
 and possible distribution fees. A client could invest in a mutual fund directly, without the services of RFG. In that
 case, the client would not receive the services provided by RFG, which are designed, among other things, to assist
 the client in determining which mutual fund or funds are most appropriate to each client's financial condition and
 objectives. Accordingly, the client should review both the fees charged by the funds and the fees charged by RFG
 to understand fully the total amount of fees to be paid by the client and to evaluate the advisory services being
 provided.

 Mutual funds generally offer multiple share classes based upon certain eligibility and/or purchase requirements.
 For instance, in addition to retail share classes (typically referred to as class A, class B, and class C shares), mutual
 funds may also offer institutional share classes or other share classes that are specifically designed for purchase
 by investors who meet certain specified eligibility criteria, including, for example, whether an account meets
 certain minimum dollar amount thresholds or is enrolled in an eligible fee-based investment advisory program.
 Institutional share classes usually have a lower expense ratio than other share classes.

 For clients investing in mutual funds, the firm requires that the Associated Person purchase the share class most
 beneficial to the client, generally the institutional or advisory share class. In some cases, these share classes are
 not made available by the sponsor fund. Here, the firm will direct the Associated Person to seek a comparable,
 similar mutual fund that provides an advisory share class, and offer the fund and share class to the client. If no
 comparable fund with an advisory share class is available, the client will pay higher mutual funds fees that include
 12b-1 fees.

 Class A shares that transfer into client accounts are periodically converted to the advisory or institutional share
 class. The firm requires advisory or institutional share classes in accounts, and does not permit purchases of Class
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Types of Clients - Item 7

 We generally offer investment advisory services to individuals, pension and profit-sharing plans and their
 participants, trusts, estates, charitable organizations, corporations, and other business entities.

Retirement Financial Group, LLC
Form ADV Part 2A Brochure

 RFG requires a minimum of $250,000 to establish an advisory relationship with our firm. In our sole discretion,
 we may waive this requirement. This requirement can be met by combining two or more accounts owned by you
 or related family members.

                    Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 All asset allocation models are developed by the sub advisers and/or other third-party model providers (listed
 under Item 4 above) in accordance with investment programs developed by these entities. RFG will not implement
 its own methods of analysis and investment strategies. Clients should refer to the relevant sub advisers' and/or
 third-party model providers Form ADV Brochures for more information about the methods of analysis and
 investment strategies used by those firms.

 Investment Strategies
 The investment strategy for a specific client is based upon the objectives stated by the client during consultations
 and documented in the client profile. The client may change these objectives at any time. Each client’s profile
 contains information related to the client’s risk tolerance and any investment restrictions. Any other
 documentation as required by our firm that documents the client’s objectives and their desired investment
 strategy will be retained as part of the client’s file.

 Investing in securities involves risk of loss that clients should be prepared to bear. Clients should fully
 understand the nature of the contractual relationship(s) into which they are entering and the extent of their
 exposure to risk. Certain investing strategies may not be suitable for many members of the public. You should
 carefully consider whether the strategies employed would be appropriate for you in light of your experience,
 objectives, financial resources, and other relevant circumstances.

 Recommendation of Particular Types of Securities: As disclosed under the “Advisory Business” section in this
 Brochure, we provide advice on various types of securities and we do not necessarily recommend one particular
 type of security over another since each client has different needs and different tolerance for risk. Each type of
 security has its own unique set of risks associated with it and it would not be possible to list here all of the specific
 risks of every type of investment. Even within the same type of investment, risks can vary widely. However, in
 very general terms, the higher the anticipated return of an investment, the higher the risk of loss associated with
 it.

 General Investment Risk: All investments come with the risk of losing money. Investing involves substantial risks,
 including complete possible loss of principal plus other losses and may not be suitable for many members of the
 public. Investments, unlike savings and checking accounts at a bank, are not insured by the government to protect
 against market losses. Different market instruments carry different types and degrees of risk and you should
 familiarize yourself with the risks involved in the particular market instruments in which you intend to invest.

 Loss of Value: There can be no assurance that a specific investment will achieve its investment objectives and
 past performance should not be seen as a guide to future returns. The value of investments and the income
 derived may fall as well as rise and investors may not recoup the original amount invested. Investments may also
 be affected by any changes in exchange control regulation, tax laws, withholding taxes, international, political and
 economic developments, and governmental economic or monetary policies.

 Interest Rate Risk: Fixed income securities and funds that invest in bonds and other fixed income securities may
 fall in value if interest rates change. Generally, the prices of debt securities rise when interest rates fall, and their
 prices fall when interest rates rise. Longer-term debt securities are usually more sensitive to interest rate changes.

Retirement Financial Group, LLC
Form ADV Part 2A Brochure

 Credit Risk: Investments in bonds and other fixed income securities are subject to the risk that the issuer(s) may
 not make required interest payments. An issuer suffering an adverse change in its financial condition could lower
 the credit quality of a security, leading to greater price volatility of the security. A lowering of the credit rating of
 a security may also offset the security's liquidity, making it more difficult to sell. Funds investing in lower quality
 debt securities are more susceptible to these problems and their value may be more volatile.

 Foreign Exchange Risk: Foreign investments may be affected favorably or unfavorably by exchange control
 regulations or changes in the exchange rates. Changes in currency exchange rates may influence the share value,
 the dividends or interest earned and the gains and losses realized. Exchange rates between currencies are
 determined by supply and demand in the currency exchange markets, the international balance of payments,
 governmental intervention, speculation, and other economic and political conditions. If the currency in which a
 security is denominated appreciates against the US Dollar, the value of the security will increase. Conversely, a
 decline in the exchange rate of the currency would adversely affect the value of the security.

 Concentrated Position Risk: Certain accounts may, or may be advised to, hold concentrated positions in specific
 securities. Therefore, at times, an account may, or may be advised to, hold a relatively small number of securities
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