SGH Wealth Management

5. FEES AND COMPENSATION
           A. FINANCIAL PLANNING
Typically, our financial planning services are available upon request with our portfolio
management services. However, when a client would like financial planning without our
investment management services we will charge either a fixed or hourly fee basis in accordance
with the following fee schedule:
Fixed Fee: The fixed fees range between $300 and $1,000. The fixed fee range varies and depends
upon the nature and complexity of each client’s individual circumstances. Each client’s Financial
Planning Agreement shows what the client will be charged to complete the Scope of Services as
defined in the Agreement. The fixed fee rate is negotiable and collected upon engagement. All
plans will be completed within 6 months of engagement subject to client cooperation. Initial
advance payment will not exceed $1,200. In any event, clients will not be charged more than
$1,200.00 for work done 6 months in advance.
Hourly Fee: We assess an hourly rate of $225 an hour for financial planning services with a
minimum of two hours per engagement. The number of hours will vary depending upon the
complexity of the financial situation and the estimate of hours involved, including preparation and
research. The hourly fee is negotiable. One half of the estimated total hourly fee is due upon
engagement with the remainder due upon delivery of the financial plan or consulting service.
All fees may be paid by check.
Termination of Financial Planning Services
The client may cancel the Financial Planning Agreement for any reason during the first five (5)
business days from the date of signing the agreement and will receive a refund of 100% of all fees
paid without cost or penalty. After the first five (5) business days, written termination will result
in a pro-rated refund of any prepaid and unearned fees. For fixed fee financial planning services,
a pro-rated refund will be based upon a percentage of work completed. For example, if 25% of a
$1,000 fixed fee plan had been completed, the client will receive a $750 refund. ($1,000 minus
$250 equals $750.) For hourly financial planning engagements, the client will receive a pro-rated
refund based on the number of hours completed. For example, if a negotiate hourly fee plan was
to $775 (3 hours of services) and the one hour was completed, the client will receive a $516.93
refund. ($775 collected upfront minus $258.07 equals $516.93.) To cancel the agreement, the
client must notify the firm in writing to SGH Wealth Management, 17550 W Eleven Mile Rd,
Lathrup Village, MI 48076. We reserve the right to terminate any Financial Planning Agreement
at our discretion at any time. Should we terminate prior to the end of the quarter you will receive
a prorated refund as explained above.
           B. PORTFOLIO MANAGEMENT SERVICES
Management fees for accounts are charged annually, calculated and billed quarterly in advance

SGH Wealth Management                          Page 8                        ADV Part 2A – 1/1/2026

based upon the inception value of the account(s). Although we may negotiate our fee under certain
circumstances, our standard annualized rates are below:
            Custodian Reported Value of Account                      Annual Management Fee
                      $250,000 to $500,000                                        1.00%
                     $500,000 to $1,000,000                                       0.90%
                    $1,000,000 to $2,000,000                                      0.85%
                    $2,000,000 to $5,000,000                                      0.80%
                   $5,000,000 to $10,000,000                                      0.70%
                  $10,000,000 to $15,000,000                                      0.60%
                  $15,000,000 to $25,000,000                                      0.55%
                         $25,000,000 +                                            0.50%
The first quarter’s management fee will be calculated on the account’s initial inception value as
reported by the account’s custodian. The first quarter’s management fee will also be prorated for
the number of days that services were provided during the initial quarter. It is withdrawn at account
opening. Thereafter, the management fee will be calculated on the account’s previous quarter-end
value as reported by the account’s custodian. Although you can restrict our services, the securities
included in your account are subject to our advisory fees unless restricted by you in writing. This
includes investments in money market funds, demand deposit accounts, and certificates of deposit
are included in the base amount on which fees are calculated. The management fee will be directly
deducted from the client’s account.
Please note that the official record-keeper of your account is your custodian. It records includes,
but not limited to, performance, transactions, cost basis, capital gain and losses and all other related
data generated for income tax reporting purposes.
Our management fee does not include brokerage commissions, transaction fees, and other related
costs and custodian expenses. Clients may incur additional certain charges imposed by custodians,
brokers, and other third parties such as, but not limited to, fees charged by managers, 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. Such charges, fees and commissions are exclusive, of and in addition to, our fee and
we will not receive any portion of these commissions, fees, and costs. Generally speaking, most
investments may be purchased directly by you, without using our services and without incurring
...

7. TYPES OF CLIENTS
We offer our services to individuals, pensions and profit-sharing plans, trusts, estates, corporations
and other business entities. Client relationships vary in scope and length of service. We generally
require a minimum account size of $250,000, but we may waive this at our discretion. SGH, in its
sole discretion, may waive its $250,000 asset minimum and/or charge a lesser investment
management fee based upon certain criteria (i.e. anticipated future earning capacity, anticipated
future additional assets, dollar amount of assets to be managed, related accounts, account
composition, negotiations with client, etc.). Please Note: As result of the above, similarly situated
clients could pay different fees. In addition, similar advisory services may be available from other
investment advisers for similar or lower fees. See Wrap Appendix for account minimum
information in respect to the Wrap Fee Program.