Sklar Capital Advisors LLC

Item 5 Fees and Compensation

          INDIVIDUAL PORTFOLIO MANAGEMENT - WEALTH MANAGEMENT SERVICE

The annualized fees for the Wrap Fee Program are charged as a percentage of the value of the client's portfolio,
according to the following tiered schedule:

                                                 Annual Fee* (plus gross
  Assets Under Management                        receipts tax if applicable)    Quarterly Fee

$50,000 - $1,499,999                                  1.35%                         .337%
$1.5 million - $2,999,999                             1.25%                        .312%
$3 million - $4,999,999                               1.15%                        .287%
$5 million - $9,999,999                               0.95%                        .237%
$10 million +                                      0.50%                           .125%
   *Tiered – householding of accounts results in lower fee calculation.

Our fees are billed quarterly, in arrears, at the beginning of each calendar quarter based upon the market value
(or fair market value in the absence of market value), of the client's account at the end of the previous quarter.
If management begins after the start of a month, Program fees will be pro-rated accordingly. Payment for
advisory services will be debited from the account in accordance with the client authorization in the client's
Advisory Agreement. SKG Capital Advisors will not accept other forms of payment at this time. The client will
authorize the fees to be debited from the account in accordance with the terms set forth in the Investment
Management Agreement ("IMA").

Account Minimums: A minimum of $50,000 of assets under management is required for this service. While
SKG Capital Advisors may group certain related client accounts for the purposes of achieving the minimum
account size, the minimum annualized fee will be no less than $675.

Limited Negotiability of Advisory Fees: Although rare, SKG Capital Advisors retains the discretion to negotiate
alternative fees and / or minimum account size on a client-by-client basis. Discounts, not generally available to
our advisory clients, may be offered to family members and friends of associated persons of our firm. The
specific annual fee schedule is identified in the contract between the adviser and each client.

           INSTITUTIONAL INTELLIGENT PORTFOLIOS - WEALTH BUILDING SERVICES

The annualized fees for the Wealth Building Service is charged as a percentage of the value of the client's
portfolio at 0.95% annually (0.2375% quarterly).

Our fees are not set or supervised by Schwab. Clients do not pay brokerage commissions or any other fees to
CS&Co as part of the Program. Schwab does receive other revenues in connection with the Program, as
described in the Program Disclosure Brochure. We do not pay SPT fees for its services in the Program so long
as we maintain $100 million in client assets in accounts at CS&Co that are not enrolled in the Program. If we
do not meet this condition, then we pay SPT an annual fee of 0.10% (10 basis points) on the value of our clients'
assets in the Program. This fee arrangement gives us an incentive to recommend or require that our clients with
accounts not enrolled in the Program be maintained with CS&Co. Schwab does receive other revenues in
connection with the Program, as described in the Program Disclosure Brochure. Brokerage arrangements are
further described below in Item 12 Brokerage Practices.

Account Minimums: Clients eligible to enroll in the Program are subject to a $5,000 minimum investment to
open an account in the Program. The Program Disclosure Brochure describes related minimum required account
balances for maintenance of the account, automatic rebalancing, and tax-loss harvesting.

Limited Negotiability of Advisory Fees: Although rare, SKG Capital Advisors retains the discretion to negotiate
alternative fees and / or minimum account size on a client-by-client basis. Discounts, not generally available to
our advisory clients, may be offered to family members and friends of associated persons of our firm. The
specific annual fee schedule is identified in the contract between the adviser and each client.

                                       PENSION CONSULTING FEES

Our fees for Pension Consulting Services are based on a percentage of assets under advisement and are charged
at 0.5% annually (0.125% quarterly). Plan sponsors are invoiced in arrears at the end of each calendar quarter.

                                       FINANCIAL PLANNING FEES

SKG Capital Advisors only offers financial planning to clients as a part of the Wealth Management Service
through the Wrap Fee Program.

                                   AMERICAN FUND - CLASS F2 FEES

SKG Capital Advisors charges a 50 basis points per year paid quarterly at 0.125%. American Funds does not
charge an additional fee beyond the fund expense charges.

                                          GENERAL INFORMATION

Compensation: Management personnel and other related persons of our firm are licensed as independent
insurance brokers. In their separate capacity(ies), these individuals are able to implement investment
recommendations for advisory clients for separate and typical compensation (i.e. commissions, or other sales
related forms of compensation). This presents a conflict of interest to the extent that these individuals
recommend that a client invest in a security which results in a commission being paid to the individuals. Clients
are not under any obligation to engage these individuals when considering implementation of advisory
recommendations. The implementation of any or all recommendations is solely at the discretion of the client.

Termination of the Advisory Relationship: A client agreement may be canceled at any time, by either party, for
any reason upon receipt of 30 days written notice. If any prepaid, unearned fees were assessed, the firm will
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Item 7 Types of Clients

SKG Capital Advisors provides advisory services to the following types of clients:

• Individuals (other than high net worth individuals)
• High net worth individuals
• Corporations or small businesses

As previously disclosed in Item 5, our firm has established initial as well as ongoing minimum account
requirements. For a more detailed understanding of those requirements, please review the disclosures provided
in each applicable service.