SFGA LLC

Item 5. Fees and Compensation
Financial Planning Services Fees
SFGA charges a fixed fee ranging from $500 to $10,000 for its financial planning services. This fee may
vary from client to client depending on the complexity of the client’s financial situation and financial needs
and is agreed upon prior to the start of the financial planning relationship. Fees are due in advance upon
execution of the Client Services Agreement. Financial planning services terminate upon presentation of the
written plan. In all cases, Financial Planning Services shall be delivered to the client within 6 months of the
contract date.

The agreement for financial planning services automatically terminates upon SFGAs delivery of the
requested services. Prior to the delivery of the requested services, either SFGA or the client may terminate
the Client Services Agreement at any time with written notice to the other. Advisor will refund promptly any
unearned, prepaid fees upon the client’s written request. Should the Client wish to terminate the Agreement
within 5 business days after signing, no penalty will be assessed and all fees will be refunded promptly. All
financial planning and consulting services requested will be provided within 6 months of the time the
agreement is signed or the Client will receive a refund of unearned fees.

Financial Consultation Services Fees
SFGA provides financial consultation services to clients for a fixed annual fee that ranges from $500 to
$10,000 per year, depending on the complexity of the client’s situation and nature of the client’s needs. The
annual fee is billed quarterly in advance with the initial payment of one-quarter of the annual fee payable at
the time the contract with SFGA is entered into.

The financial consultation engagement is for a term of one year and can be renewed annually. Financial
consultation services clients may seek such services at any time during the contract year. Either party may
terminate the financial consultation agreement within 5 (five) business days of the date of acceptance
without penalty to the client. After the five-day period, either party may terminate the agreement by providing
written notice to the other party. In the event the agreement is terminated prior to the end of the contract
year, the Firm will promptly refund the unearned financial consultation fees to the client upon the client’s
written request. Fees are deemed to be earned equally each month over the course of the contract year,
with one-twelfth of the annual fee being earned each full month from the contract date.

Portfolio Management Services Fees
The annual fee for portfolio management services is billed quarterly in advance based on the following
tiered fee schedules and the market value of the assets (including cash balances) on the last business day
of the immediately preceding quarterly period. The client’s initial fee will be assessed on the same fee
schedule based on the amount placed under management and then pro-rated based the number of days
remaining in the initial quarterly period that the client’s portfolio was under management.
Portfolios of Mutual Fund and Sub-Accounts of Non-Commissionable Variable Annuities

          Portfolio Size Maximum Annual Fee
          First $1,000,000 2.55%
          Amounts over $1,000,000 1.50%

Portfolios of Sub-Accounts of Commissionable Variable Annuity and Variable Universal Life
Insurance Policies

          Portfolio Size Maximum Annual Fee
          First $1,000,000 1.85%
          Amounts over $1,000,000 1.00%

(SFGA generally waives management fees for first 12 months on commissionable VA and VUL products;
however, this time period may vary on a case-by-case basis and will be agreed to and specified in the
client’s advisory agreement.)

The engagement for portfolio management services is for a term of one year and is renewed automatically
for successive one year periods unless either party provides at least 30 (thirty) days advance written notice
to not renew. Either party may terminate the portfolio management services agreement within 5 (five)
business days of the date of acceptance without penalty to the client. In the event the agreement is
terminated prior to the end of the contract year, the Firm will promptly refund any unearned portfolio
management fees to the client upon the client’s written request. A refund of unearned fees will be calculated
on a pro-rata daily basis following the notice of cancelation.

SFGA requests that clients authorize SFGA to bill financial consultation and portfolio management fees to
the client’s account. For such clients, SFGA will send the client an invoice at the same time the client’s
account custodian is requested to bill the client’s account. The client’s account custodian will also send the
client statements at least quarterly showing all activity in the client’s account, including the amount of the
advisory fee.

Third-Party Investment Advisor Referral Services
SFGA will receive compensation as provided for in its agreements with TPIAs for introducing clients. The
compensation to SFGA is typically equal to a percentage of the investment advisory fee charged by that
TPIA and is disclosed to the client in the TPIAs Form ADV Part 2 or Solicitors Disclosure Statement.

Since the fee for SFGA’s services is paid by the independent TPIA, the fee paid to SFGA is typically not
negotiable, Fees paid by clients to independent TPIAs are established and payable in accordance with the
Form ADV Part 2 or other equivalent disclosure provided by each independent TPIA to whom SFGA refers
its clients, and may or may not be negotiable, as disclosed in the disclosure documents of the TPIA.

Certain programs may charge a “wrap fee”, which is single periodic fee that is charged to the client for both
brokerage and investment management services. Selection of a wrap fee program may result in the
payment of fees by clients that exceed the combined total of separate advisory fees and brokerage
...

Item 7. Types of Clients
SFGA provides services to individuals, high net worth individuals, trusts, estates, charitable organizations,
corporations, and other business entities

SFGA does not impose a minimum level of assets under management that clients’ portfolios must meet,
but generally recommends that clients have at least $50,000 under management to allow for proper
diversification of their account.

Minimum account sizes for TPIA referral programs vary and are disclosed in their respective disclosure
materials.