Security Financial Services Inc

Item 5 Fees and Compensation
Fees

         Advisory Fees

Management fees for fee-based accounts are paid quarterly in advance and are generally negotiable.
Fees are due on the first day of the calendar quarter, and are deducted directly from the client's
custodial account unless the client makes a request to WAG to be billed directly instead. Fee rates are
based on assets under management but can be higher as a result of the complexity and the needs of
the client. They can also be higher when they include the fee of a third party manager. (See fees for
specialized management services). Fees are subject to negotiation and disclosed and agreed upon in
the Client Investment Advisory Agreement. Fees are based on the account's net asset value as of the
end of the last business day of the prior calendar quarter and are prorated for accounts opened during
the quarter.

Annualized fees are as follows:

         Annualized Fees

              Annualized
              Investment
              Management
              Fees
From          To              Per Year
$100,000      $499,999        1.50%
$500,000      $749,999        1.25%
$750,000      $1,249,999      1.10%
$1,250,000    $3,999,999      1.00%
$4,000,000    $6,999,999      0.80%
$7,000,000    $14,999,999     0.75%
$15,000,000                   Negotiable

        Reporting Fees

WAG reserves the right to charge up to $50 per year per account in reporting fees.

         Other Fees

Apart from the fees set forth above, WAG's clients may also incur certain charges imposed by
custodians, brokers, and other third parties, such as, but not limited to, custodial fees, deferred sales
charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and
taxes on brokerage accounts and securities transactions. Mutual funds and exchange-traded funds
also charge internal management fees, which are disclosed in a fund's prospectus and which are
separate from the management fees paid to the Adviser. Advisory clients should note that fees for
comparable services vary and lower fees for comparable services may be available from other
sources. Clients may pay custodial fees, charges imposed directly by a mutual fund, index fund, or
exchange traded fund which shall be disclosed in the fund's prospectus (i.e. fund management fees
and other expenses), mark-ups and mark-downs, spreads paid to market makers, wire transfer fees
and other fees and taxes on brokerage accounts and securities transactions. In addition, Schwab may
impose a custodial fee for holding select alternative investments. These fees are not included within
the advisory fee you are charged by our firm. Mutual funds may also charge a redemption fee if a
redemption is made within a specific time period following the investment. The terms of any
redemption fees are disclosed in the fund's prospectus. Transactions in mutual fund shares (e.g., for
rebalancing, liquidations, deposits or tax harvesting) may be subject to a fund's frequent trading policy.
Please see prospectuses and information provided by the fund or account custodian for further
information on these fees.

Please see the Item 12 below for a discussion regarding brokerage, including the factors that WAG
considers in selecting or recommending broker-dealers for client transactions and determining the
reasonableness of their compensation (e.g., commissions) that may be relevant to this discussion of
fees.

Fees for Specialized Management Services

For those enhanced and/or specialized level of asset management services mentioned in Item 4,
clients are charged one fee, which is automatically deducted from the client's custodial account. That
fee is split to cover WAG's advisory fee, the Independent Manager's advisory fee, and brokerage and
commission costs that are incurred by the account while under the management of the Independent
Manager. A complete description of the programs and services provided, the amount of total fees, the
payment structure, termination provisions and other aspects of each program are detailed and
disclosed in: i) the Independent Manager's Form ADV, Part 2A; ii) the program wrap brochure (if
applicable) or other applicable disclosure documents; iii) the disclosure documents of the portfolio
manager or managers selected; or, iv) the Independent Manager's account opening documents. A
copy of all relevant disclosure documents of the Independent Manager(s) will be provided to anyone
interested in these programs/managers.

Fees for Financial Planning and Consulting Services

Fees for financial planning and consulting services are charged at either a fixed rate of $200.00 per
hour or a flat fixed rate, depending on a variety of factors including the scope of the engagement or
client preference. These fees are outlined in the client contract and paid in arrears.

BlackRock Alladin

Management fees for BlackRock model portfolio accounts are based on our annualized fee schedule,
and are paid quarterly in advance. Fees are due on the first day of the calendar quarter, and are
deducted directly from the client's custodial account unless the client makes a written request to WAG
to be billed directly instead. Fees are based on the account's net asset value as of the end of the last
business day of the prior calendar quarter and are prorated for accounts opened during the quarter.
Fees are generally negotiable.

Refund of Fees Paid in Advance

An advisory client will have a period of five (5) business days from the date of signing the investment
management agreement to unconditionally rescind the agreement and receive a full refund of all fees
that have been pre-paid. Thereafter, either party may terminate the agreement with 30 days written
notice. Upon termination, fees will be prorated to the date of termination and any unearned portion of
the fee will be refunded to the client.

Compensation for the Sale of Securities
...

Item 7 Types of Clients
WAG provides portfolio management services and investment advice to individuals, high net worth
individuals, businesses that typically include physicians, small business owners, family-owned
businesses, retirees, and retirement-focused individuals, pension plans and charitable organizations.

The Adviser typically requires a minimum of $100,000 to establish a new advisory account; however,
the minimum may be waived at the sole discretion of the Adviser. In addition, the Adviser may
continue to service existing accounts that have values that are below the minimum. Increased
regulation and laws have made doing business much more costly, and WAG reserves the right to turn
away clients for any reason.