SARD Wealth Management Group LLC

Item 5 – Fees and Compensation

 The following paragraphs detail the fee structure and compensation methodology for services provided by the
 Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
 agreement with the Advisor.

 A. Fees for Advisory Services
 Investment Management Services
 Investment advisory fees are paid quarterly, at the end of each calendar quarter, pursuant to the terms of the
 investment advisory agreement. Investment advisory fees are based on the market value of assets under
 management at the end of each calendar quarter. Investment advisory fees are based on the following schedule:

                           Assets Under Management ($)                Annual Rate (%)
                           First to $1,000,000                            1.00%
                           Next to $1,000,000                             0.75%
                           Over to $2,000,000                             0.50%

 The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to
 the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take
 into consideration the aggregate assets under management with the Advisor. All securities held in accounts
 managed by SWMG will be independently valued by the Custodian. SWMG will conduct periodic reviews of the
 Custodian’s valuations. Certain legacy clients may be billed under a different fee schedule.

 Fees for annuity management are paid quarterly at the end of each calendar quarter. Fees will be charged an
 annual flat rate of up to 1.00%, based on the total value of annuities managed on the last day of each calendar
 quarter. Fees will not be adjusted to account for inflows and/or outflows during the billing period.

 Held-Away Asset Management- Fees associated with the Held-Away Asset Management will be paid quarterly,
 pursuant to the terms of the agreement. These fees will range up to 1.00% annually, based on the average daily
 balance of the assets under management at the end of the quarter.

 The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction fees and custody fees and
 other related costs and expenses, described in Item 5.C. below, which may be incurred by the Client. However, the
 Advisor shall not receive any portion of these commissions, fees, and costs.

 Financial Planning Services
 SWMG offers financial planning services either on an hourly or fixed fee basis. Hourly fees range from $250 to
 $500 per hour. Fixed fees range from $500 to $10,000 per engagement. Fees may be negotiable based on the
 nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for
 total hours and total costs will be provided to the Client prior to engaging in these services.

 For clients that pay for financial plans, we provide additional advice for a 12-month period at no additional cost. In
 each successive year that the Client pays for an updated financial plan, we provide the same access to advice at
 no additional cost.

 Retirement Plan Advisory Services
 Retirement Plan Advisory fees are paid quarterly, at the end of each calendar quarter, pursuant to the terms of the
 retirement plan agreement. Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or
 deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement.
 Retirement Plan Advisory fees are based on the market value of assets under management at the end of the
 calendar quarter. Fees are based on the following schedule:

                            Assets Under Management ($)                Annual Rate (%)
                            First $1,000,000                               1.00%
                            Next $1,000,000                                0.75%
                            Over $2,000,000                                0.50%
                                            Sard Wealth Management Group, LLC
                                  5607 Glenridge Drive, Suite 275, Building II, Atlanta, GA 30342
                                          Phone: (404) 843-4483 | Fax: (404) 236-7310
                                                      www.sardwealth.com

 Fees may be negotiable depending on the size and complexity of the Plan.

 Financial Institution Consulting Services
 SWMG receives a consulting fee based on the assets under MSI’s management from Brokerage Customers who
 have provided written consent to MSI to receive the investment consulting services from SWMG. The consulting
 fee is calculated from the assets under MSI’s management at the end of the calendar quarter multiplied by the
 annualized rate up to 0.75%. The initial fee is paid only after the completion of one full calendar quarter period
 following the date of the executed agreement with MSI.

 B. Fee Billing
 Investment Management Services
 Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
 the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
 from the Client’s account[s] at the respective quarter end date. The amount due is calculated by applying the
 quarterly rate (annual rate divided by the number of days in the quarter) to the total assets under management with
 SWMG at the end of each quarter. Investment advisory fees are adjusted for inflows and outflows of greater than
 10% of the Client’s total portfolio value that occur during the quarter.

 Clients will be provided with a statement, at least quarterly, from the Custodian reflecting the deduction of the
 investment advisory fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the
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Item 7 – Types of Clients

 SWMG offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses,
 retirement plans, and other financial institutions. The amount of each type of Client is available on SWMG’s
 Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor.
 SWMG generally requires a minimum relationship size of $1,000,000 to effectively implement its investment
 process. This minimum may be waived at the sole discretion of the Advisor.