SFG Wealth Advisors LLC

Item 5 – Fees and Compensation

INVESTMENT ADVISORY SERVICE FEES

Asset-based “Annual Advisory Fees” are assessed and collected directly from client accounts. Typically, fees are invoiced and
collected quarterly in advance. However, if a client’s assets are managed with a third-party Platform Provider, the frequency
of billing may be different. Further details about fee billing for each Platform Provider is listed below. In some situations, other
third-party providers may require billing to occur differently than described herein. For instance, some annuity companies
may require billing to be done at a different frequency (i.e., monthly) or in arrears (as opposed to in advance). Any differing
billing cycle will be disclosed to the CLIENT at the time the agreement is made. Many factors determine proposed fees rates,
including size, complexity and composition of the services to be provided. While fees are negotiable based upon these factors,
SFG Wealth Advisors’ investment advisory fee structure is based on assets under management.

Clients are required to have a minimum household balance of $250,000 to have assets managed by SFG Wealth Advisors but
exceptions may apply. For those clients with assets managed by or held with our affiliate, Snyder Financial Group, transactions
through The Strategic Financial Alliance (SFA), these holdings will count toward defining the CLIENT’s “Asset Level” in order
to determine the Annual Advisory Fee percentage to be applied. The Asset Level will not include oil and gas limited
partnerships/programs or other mutually agreed upon unmanaged assets.

Generally, as your household account balance reaches each tier, the Advisory Fee assessed declines as follows:

                                                       Annual Advisory Fee:
                                     Asset Levels                          Annual Advisory Fee (Linear)
                               $0.00 to under $250,000                                 1.50%
                             $250,000 to under $750,000                                1.25%
                            $750,000 to under $1.5 million                             1.00%

                               Assets Above 1.5 million                    Annual Advisory Fee (Blended)
                              $0.00 to under $1.5 million                             1.00%
                          $1.5 million to under $3.0 million                          0.80%
                          $3.0 million to under $5.0 million                          0.60%
                         $5.0 million to under $10.0 million                          0.40%
                               $10.0 million and above                                0.25%

The Linear fee schedule applies to households with $0 to $1.5 million in assets under management. The Blended fee schedule
applies to households with over $1.5 million in assets under management. The CLIENTS’ assets under management will be reviewed
quarterly and the fee adjusted between linear and blended, as necessary.

“Linear” – Annual Advisory Fees will be charged one rate, which will be the fee rate associated with the client’s total assets under
management. When CLIENT Asset Level moves above a Linear threshold and remains above as of the beginning of two consecutive
quarters, the Annual Advisory Fee will be adjusted to the new, lower fee associated with the new Asset Level. Likewise, when Client
Asset Level moves below a Linear threshold and remains below as of the beginning of two consecutive quarters, the Annual
Advisory Fee will be adjusted to the new, higher fee associated with the new Asset Level.

“Blended” – Annual Advisory Fees will be charged at the rate defined for each tier, and then the total dollar amount of the fee
calculated for each tier will be added together to equal the total fee due to SFG Wealth Advisors. When the Blended fee schedule
applies, CLIENTS’ effective Annual Advisory Fee may vary quarter to quarter with the change in Asset Level.

A client’s Annual Advisory Fees will be outlined in the Investment Advisory Agreement signed by both parties. Upon execution
of the agreement, the initial prorated fee for the remainder of the billing period will be assessed and collected. The fee to be
paid is determined by the client’s assets under management. For new client accounts that are onboarded during the middle
of a quarter, the asset-based advisory fees will be prorated, and the client will only be charged for the remaining days in the
quarter. SFG Wealth Advisors will not charge a partial quarterly fee on new deposits to existing accounts.

THIRD-PARTY MONEY MANAGER & PLATFORM FEES

Each billing period, the Money Manager will collect all applicable fees and distribute them to the appropriate party. The
Money Managers recommended by the Firm collect their own investment advisory fee and SFG Wealth Advisors’ advisory fee.
Fee billing is the responsibility of the Money Manager. Billing cycles will vary as determined by the Platform Provider through
which a client’s accounts are managed.

Frontier: If a client’s accounts are managed on the Frontier platform, all fees are assessed and collected quarterly in advance
within 30 days of the quarter end (in January, April, July, and October). The fee is based on the account balance in the client’s
accounts as on the last day of the previous calendar quarter (December 31st, March 31st, June 30th, September 30th). Frontier has
a minimum account size requirement of $100,000 for an investment strategy and $20,000 for active ETF strategies. The Money
Manager’s advisory fees on the Frontier Platform will range between 0.10% to .50% per annum (See fee schedule below).

Frontier Fee Schedule

                           Tier 1 Up to 500k    Tier 2 $500,001 - $1m          Tier 3 $1,000,001 - $5m     Tier 4 Over $5m
 Investment Strategies     .50%                 .30%                           .25%                        .20%
...

Item 7 – Types of Clients

As described in Item 4, SFG Wealth Advisors provides investment advisory services to individuals, couples, and families as
well as their trusts and estates. Clients are typically required to have a minimum household balance of $250,000 to have assets
managed by SFG Wealth Advisors. We also service retirement plans and their participants. Retirement plans are subject to a
minimum fee of $1,500 per year. All advisory fees and household minimums are subject to negotiation.