Skloff Aaron

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 SFG offers discretionary direct asset management services to advisory Clients. SFG charges
 an annual investment advisory fee based on the total assets under management as follows:
                Assets Under Management                        Annual Fee        Quarterly Fee
            First $1,000,000 ($0-$1,000,000)                     1.50%             0.375%
    Your next $1,000,000 ($1,000,000.01 - $2,000,000)            1.25%             0.3125%
    Your next $1,000,000 ($2,000,000.01 - $3,000,000)            1.00%              0.25%
    Your next $1,000,000 ($3,000,000.01 - $4,000,000)            0.75%             0.1875%
          Subsequent amounts ($4,000,000.01+)                    0.50%             0.125%
 This is a tiered/blended fee schedule, the asset management fee is calculated by applying
 different rates to different portions of the portfolio. SFG may group certain related Client
 accounts for the purposes of achieving the minimum account size and determining the
 annualized fee.
 For example (based on quarterly billing period):
 Client with $2,000,000 under management would pay $6,875.50 on a quarterly basis.
               AUM                  Quarterly fee        Total
               First $1,000,000     x 0.375% =           $3,750.00
               Next $1,000,000      x 0.3125% =          $3,125.00
               Grand total for the quarter               $6,875.00
 The annual fee is negotiable based upon certain criteria (e.g., historical relationship, type of
 assets, anticipated future earning capacity, anticipated future additional assets, dollar
 amounts of assets to be managed, related accounts, account composition, negotiations with
 Clients, etc.). SFG considers cash to be an asset class, and as such is included in fee
 calculations. Also, to be noted, at times fees will exceed the money market yield. Fees are
 billed quarterly in advance or arrears based on the amount of assets managed as of the
 close of business on the last business day of the previous quarter.
 Lower fees for comparable services may be available from other sources. Clients may
 terminate their account within five (5) business days of signing the Investment Advisory

Agreement with no obligation and without penalty. After the initial five (5) business days,
the agreement may be terminated by SFG with thirty (30) days written notice to Client and
by the Client at any time with written notice to SFG. No fee adjustment will be made for
account deposits and/or withdrawals during a billing period. For accounts opened or
closed mid-billing period, fees will be prorated based on the days services are provided
during the given period. All unpaid earned fees will be due to SFG. Additionally, all
unearned fees will be refunded to the Client. Client shall be given thirty (30) days prior
written notice of any increase in fees. Any increase in fees will be acknowledged in writing
by both parties before any increase in said fees occurs.
ASSET HELD AWAY
SFG offers discretionary direct asset management services to advisory Clients. SFG charges
an annual investment advisory fee based on the total assets under management as follows:
              Assets Under Management                        Annual Fee       Quarterly Fee
          First $1,000,000 ($0-$1,000,000)                     1.50%            0.375%
  Your next $1,000,000 ($1,000,000.01 - $2,000,000)            1.25%            0.3125%
  Your next $1,000,000 ($2,000,000.01 - $3,000,000)            1.00%             0.25%
  Your next $1,000,000 ($3,000,000.01 - $4,000,000)            0.75%            0.1875%
        Subsequent amounts ($4,000,000.01+)                    0.50%            0.125%
This is a tiered/blended fee schedule, the asset management fee is calculated by applying
different rates to different portions of the portfolio. SFG may group certain related Client
accounts for the purposes of achieving the minimum account size and determining the
annualized fee.
For example (based on quarterly billing period):
Client with $2,000,000 under management would pay $6,875.50 on a quarterly basis.
             AUM                  Quarterly fee      Total
             First $1,000,000     x 0.375% =         $3,750.00
             Next $1,000,000      x 0.3125% =        $3,125.00
             Grand total for the quarter             $6,875.00

The annual fee is negotiable. The Advisory Fee for the initial period will be paid on a pro
rata basis based on the number of days in the billing period for which services under this
Agreement were provided, in arrears, based on the billing period ending value of the
Client’s managed assets, in accordance with the fee schedule listed in the Agreement. For
all future periods, the Advisory Fee will be assessed and payable each billing period, in
advance, based on the balance of Client’s managed assets as of the prior period-end, in
accordance with the fee schedule listed in the Agreement. By executing this Agreement,
Client is authorizing SFG to debit its Advisory Fees directly from one or more of the Client’s
Accounts. The Advisory Fee payable for any Held Away Account will be deducted directly
from another Client Account, and if there are insufficient funds available in another Client
Account or SFG believes that deducting the Advisory Fee from another Client Account
would be prohibited by applicable law, it will invoice the Client.
No fee adjustment will be made for Account deposits and withdrawals during a billing
period.
In addition to the fees paid to SFG, investments used in managing the Account may subject
Client to additional fees. For example, mutual funds, index funds, exchange traded funds
and private funds typically charge ongoing management fees and have other expenses for

 the operation of those funds. These fees should not be confused with “loads” or
...

Item 7: Types of Clients
Description
 SFG generally provides investment advice to individuals, high net worth individuals,
 charitable organizations, corporations or business entities, and profit sharing and pension
 plans. Client relationships vary in scope and length of service.
Account Minimums
 SFG does not require a minimum to open or maintain an account.