Sageguard Financial Group LLC

Item 5: Fees and Compensation

A. Fee Schedule

Lower fees for comparable services may be available from other sources.

Investment Supervisory Services Fees

                                          Total        Total
                                                                    Annual          Annual
    Total Assets Under Management       Quarterly     Annual
                                                                    RIA* Fee       IAR** Fee
                                        Client Fee   Client Fee
       All assets up to $250,000          0.45%         1.80%          0.80%        1.00%

         $250,001 to $750,000             0.40%         1.60%          0.60%        1.00%

         $750,001 to $1,000,000           0.35%         1.40%          0.40%        1.00%

      All assets above $1,000,000         0.30%         1.20%          0.20%        1.00%

       *RIA: Registered Investment Advisor (the firm)
       **IAR: Investment Adviser Representative (the representative)

These fees are negotiable depending upon the needs of the client and complexity of the
situation. Fees are paid quarterly in arrears, and clients may terminate their contracts with
thirty days’ written notice. Because fees are charged in arrears, no refund policy is
necessary. Clients may terminate their accounts without penalty within 5 business days
of signing the advisory contract. After 5 business days client closing accounts without
providing 30-day notice will incur a prorated quarterly fee plus 30 days. Advisory fees
are withdrawn directly from the client’s accounts with client written authorization. Lower
fees for comparable services may be available from other sources.

The Client agrees to pay a fee quarterly, in arrears, for the advisory services provided by
the advisor pursuant to this agreement. The fee will be calculated based on the value of
the account on the last day of the quarter. The Client understands to the extent that the
assets are allocated to mutual fund shares, exchange traded fund shares and unit
investment trusts certain costs may be associated with the ownership of such shares as
described in each prospectus. Certain services of the Custodian may require the Client to
pay costs in addition to the advisory fee paid to the Advisor. Client will be responsible for
paying any transaction fees in the account that Custodian charges. This includes trading
commissions, overnight fees, and any other transactions that Custodian charges per their
Institutional Fee Schedule. Client authorizes the liquidation of investments in order to
pay fee. The Client agrees to be charged the above-referenced fees in accordance with the
Portfolio increments.

Financial Planning Services Fees

In the majority of cases, the firm charges an hourly fee of $100 per hour, billed in six
minute increments, for financial planning services. A minimum of two hours is payable
upon receipt of a signed financial planning agreement, with any additional fee owed
payable upon presentation of the financial plan. In certain instances, or for those clients
who desire it, the firm may charge a fixed fee for financial planning services. Fixed fees
are payable 1/3 upfront with the remainder to be paid upon presentation of the financial
plan. Fixed fees can range from $200 to $2,000 and are based on the complexity of the
work required. All financial planning fees are negotiable. Clients may terminate their
accounts without penalty within 5 business days of signing the financial planning
agreement.

Technology and Administrative Fee

Each client account is subject to a $35 technology and administrative fee, annually,
payable on December 1st. This fee is deducted directly from the account for any account
open on or before December 1st of the previous calendar year.

The Advisor’s fee and technology/administrative fee will be charged directly against the
Client’s account when due, or some other account help by the Custodian owned by the
Client established in part to pay advisory fees. The Custodian is hereby authorized to
debit the Client’s account and credit the Advisor’s account for all advisory fees due and
payable. It is the Client's responsibility to verify the calculation of the fee. The quarterly
fee will be reflected in the monthly statement from the custodian delivered during the
month of January, April, July and October. The client waived the right to receive a
duplicate statement from SageGuard Financial Group, LLC.

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

Payment of Investment Financial Planning Fees
Hourly fees are paid both in advance and in arrears. A minimum of two hours is paid
upon receipt of a signed advisory contract, with the remainder of the hourly fees paid
upon presentation of the financial plan.

Fixed fees are payable 1/3 upfront with the remainder to be paid upon presentation of the
financial plan.

C. Clients Are Responsible For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.), except that clients are entitled to
free trades per new account in the first 30 days after the account with Charles Schwab
Institutional, Division of Charles Schwab & Co., Inc. member FINRA/SIPC/NFA (CRD #
5393), is established. Those fees are separate and distinct from the fees and expenses
charged by SFG. Please see Item 12 of this brochure regarding broker/custodian.

D. Prepayment of Fees

SFG collects investment supervisory services fees in arrears.

Fixed financial planning fees are payable 1/3 upfront with the remainder to be paid upon
presentation of the financial plan. Fixed fees that are collected in advance will be refunded
based on the prorated amount of work completed at the point of termination. Refunds for
...

Item 7: Types of Clients
SFG generally provides management supervisory services to the following types of clients:

           ❖ Individuals
           ❖ High-Net-Worth Individuals
           ❖ Pension and Profit Sharing Plans
           ❖ Corporations or Business Entities
There is no account minimum.