Royal Oak Financial Group

​Item 5: Fees and Compensation​

     ​A. Fee Schedule​

​Investment Supervisory Services Fees​

                          ​Total Assets​                                ​Annual Fee​

                          ​All Assets​                                 ​.50% - 2.00%​

​ hese​ ​fees​ ​are​ ​negotiable​ ​depending​ ​upon​ ​the​ ​needs​​of​​the​​client​​and​​complexity​​of​​the​
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​situation,​ ​and​ ​the​ ​final​ ​fee​​schedule​​is​​attached​​as​​Exhibit​​II​​of​​the​​Investment​​Advisory​
 ​Contract.​​Fees​​are​​paid​​quarterly​​in​​arrears,​​and​​clients​​may​​terminate​​their​​contracts​​with​
  ​one​ ​day​ ​written​ ​notice.​ ​Advisory​ ​fees​ ​are​ ​withdrawn​​directly​​from​​the​​client’s​​accounts​
   ​with client written authorization.​

​ efunds​ ​are​ ​given​ ​on​ ​a​ ​prorated​ ​basis,​ ​based​ ​on​ ​the​ ​number​ ​of​ ​days​ ​remaining​ ​in​ ​a​
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​quarter​ ​at​ ​the​ ​point​ ​of​ ​termination.​ ​Fees​ ​that​ ​are​ ​collected​ ​in​ ​arrears​ ​will​ ​be​ ​refunded​
 ​based​​on​​the​​prorated​​amount​​of​​work​​completed​​up​​to​​the​​day​​of​​termination​​within​​the​
  ​quarter​ ​terminated.​ ​The​ ​fee​ ​refunded​ ​will​ ​be​ ​the​ ​balance​ ​of​ ​the​​fees​​collected​​in​​arrears​
   ​minus​​the​​daily​​rate*​​times​​the​​number​​of​​days​​in​​the​​quarter​​up​​to​​and​​including​​the​​day​
    ​of​ ​termination.​ ​(*The​ ​daily​ ​rate​ ​is​ ​calculated​ ​by​ ​dividing​ ​the​ ​quarterly​ ​AUM​ ​fee​ ​by​​the​
     ​number​​of​​days​​in​​the​​termination​​quarter).​​Clients​​may​​terminate​​their​​contracts​​without​
      ​penalty, for full refund, within 5 business days of signing the advisory contract.​

​Financial Planning Fees​

​Hourly Fees​

​ epending​​upon​​the​​complexity​​of​​the​​situation​​and​​the​​needs​​of​​the​​client,​​the​​hourly​​fee​
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​for​ ​these​ ​services​ ​is​ ​$300.​ ​The​ ​fees​ ​are​ ​negotiable​ ​and​ ​the​ ​final​ ​fee​ ​schedule​ ​will​ ​be​
 ​attached​​as​​Exhibit​​II​​of​​the​​Financial​​Planning​​Agreement.​​Fees​​are​​paid​​in​​arrears​​upon​
  ​completion.​ ​Because​ ​fees​ ​are​ ​charged​ ​in​ ​arrears,​ ​no​ ​refund​ ​is​ ​necessary.​ ​Clients​ ​may​
   ​terminate​ ​their​ ​contracts​ ​without​ ​penalty​ ​within​ ​five​ ​business​ ​days​ ​of​ ​signing​ ​the​
    ​advisory contract.​

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                                                                                             ​Form ADV 2A Version: 2/16/2026​

     ​B. Payment of Fees​

​Payment of Investment Supervisory Fees​
​ dvisory fees are withdrawn directly from the client’s accounts with client written​
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​authorization. Fees are paid quarterly in arrears.​

       ​ dvisory fees may also be invoiced and billed directly to the client quarterly in arrears.​
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        ​Clients may select the method in which they are billed.​

      ​Payment of Financial Planning Fees​
       ​ ourly Financial Planning fees are paid via check or credit card in arrears upon​
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       ​completion. Because fees are charged in arrears, no refund is necessary.​
             ​C. Clients Are Responsible For Third Party Fees​

           ​ lients are responsible for the payment of all third party fees (i.e. custodian fees,​
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       ​brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and​
        ​distinct from the fees and expenses charged by ROFG. Please see Item 12 of this brochure​
         ​regarding broker/custodian.​
            ​D. Prepayment of Fees​

       ​ OFG​​collects​​fees​​in​​arrears.​​Fees​​that​​are​​collected​​in​​arrears​​will​​be​​refunded​​based​​on​
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       ​the​ ​prorated​ ​amount​ ​of​ ​work​ ​completed​ ​at​ ​the​ ​point​ ​of​ ​termination​ ​and​ ​the​ ​total​ ​days​
        ​during​ ​the​ ​billing​ ​period.​ ​Fees​ ​will​ ​be​ ​returned​ ​within​ ​fourteen​ ​days​ ​to​ ​the​ ​client​ ​via​
         ​mailed check.​

       ​ he​​fee​​refunded​​will​​be​​the​​balance​​of​​the​​fees​​collected​​in​​arrears​​minus​​the​​daily​​rate*​
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       ​times​​the​​number​​of​​days​​in​​the​​quarter​​up​​to​​and​​including​​the​​day​​of​​termination.​​(*The​
        ​daily​​rate​​is​​calculated​​by​​dividing​​the​​quarterly​​AUM​​fee​​by​​the​​number​​of​​days​​in​​the​
         ​termination quarter).​
            ​E. Outside Compensation For the Sale of Securities to Clients​

       ​ OFG​ ​as​ ​a​ ​licensed​ ​insurance​ ​agency,​ ​receives​ ​commissions​ ​for​ ​the​ ​sale​ ​of​ ​insurance​
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       ​products.​​Clients​​should​​be​​aware​​that​​accepting​​commission​​or​​other​​compensation​​and​
        ​involves​ ​a​ ​conflict​ ​of​ ​interest,​ ​as​ ​commissionable​ ​products​ ​conflict​ ​with​ ​the​ ​fiduciary​
         ​duties​ ​of​ ​a​ ​registered​ ​investment​ ​adviser.​ ​ROFG​ ​always​ ​acts​ ​in​ ​the​ ​best​ ​interest​ ​of​ ​the​
          ​client;​​including​​the​​sale​​of​​commissionable​​products​​to​​advisory​​clients.​​Clients​​are​​in​​no​
           ​way​​required​​to​​purchase​​such​​services​​or​​products​​through​​any​​representative​​of​​ROFG​
            ​in such individual’s outside capacities.​

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                                                                                                    ​Form ADV 2A Version: 2/16/2026​

​Item 7: Types of Clients​

​ OFG generally provides investment advice and/or management supervisory services to the​
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​following types of clients:​

            ❖
            ​ ​​Individuals​
            ​❖​​High-Net-Worth Individuals​

​Minimum Account Size​

​There is no account minimum.​