Item 5 ‐ Fees and Compensation
Financial Planning Fees
We charge for Financial Planning services either at an hourly rate or for a fixed annual fee. SageView
PCG’s hourly rate ranges from $100 to $500 per hour, and is negotiated by the client and SageView PCG,
and agreed upon in writing in the executed financial planning agreement. Alternatively, clients may agree
upon a fixed fee for these services. The fixed fee generally ranges from $1,000 to $100,000 based on the
client’s net worth and/or the scope and complexity of the client’s individual financial needs. The fee is
negotiable, and is normally established on an annual basis, which is generally paid in semi-annual or
quarterly payments.
General Consulting Fees
When SageView PCG provides general consulting services to clients, these services are generally separate
from SageView PCG’s Financial Planning Fees. Fees for general consulting are negotiated at the time of
the engagement for such services and are based on an hourly or fixed fee basis.
Other Compensation
As described earlier, SageView PCG advisory representatives are also advisory representatives of
SageView Advisory Group, a Registered Investment Adviser firm. SageView PCG’s advisory
representatives, in their individual capacities, may be representatives of various insurance companies or
insurance brokerage firms, and are also registered representatives of Cetera Advisor Networks (“Cetera”),
a registered broker‐ dealer. In these capacities, they may offer portfolio management, insurance, securities,
or other specific financial products and may receive commissions or other forms of payment, if properly
licensed to do so. However, the insurance companies, insurance brokers and broker‐dealers are not
affiliates of SageView PCG.
SageView PCG is not licensed to sell insurance or securities products of any kind and does not do so.
General advice concerning investments or insurance is provided by our representatives in their capacities
as representatives of SageView PCG as part of the Financial Planning or Consulting process. However,
specific advice constituting the solicitation of a specific product or security (such as recommending a
specific security from a specific company, etc.) is given by SageView PCG’s representatives only in their
individual capacities as licensed agents, brokers, or registered representatives for various companies, and
not as representatives of SageView PCG. SageView PCG is not responsible for its representatives’ actions
when acting in their capacities as agents, brokers, or registered representatives of other companies, and
such other companies are not responsible for financial or investment advice our representatives give in
their capacities as representatives of SageView PCG.
Clients are under no obligation to purchase insurance or securities products through one or more of
SageView PCG’s representatives, but rather may purchase any needed insurance or investment products
through the agent, broker, or registered representative of the client’s choosing. SageView PCG’s
representatives, in their individual capacities, will receive customary commissions or other compensation
from the placement of securities, insurance or financial products should the client choose to purchase such
products through one or more of SageView PCG’s representatives.
A client agreement may be terminated at any time, by either party, for any reason upon receipt of written
notice. Termination by the client is effective upon receipt of written notice by SageView PCG, unless a later
date is requested in the client’s notice and agreed to by SageView PCG. Termination by SageView PCG is
effective 30 days from the date of written notice to the client, unless a later date is stated in the notice. Upon
termination of any account, any prepaid, unearned fees will be promptly refunded. In calculating a client’s
reimbursement of fees, SageView PCG will pro rate the reimbursement according to the number of days
remaining in the billing period. Early redemption fees or similar fees for mutual funds or other products may
be applicable as described in fund prospectuses or other offering documents.