SNS Financial Group LLC

Item 5: Fees and Compensation
Bluespring Wealth charges a fee (“Investment Management Fee”) for its portfolio
management services in a managed account. The Investment Management Fee is

negotiated between Bluespring Wealth and the client and generally ranges from 0.00% to
1.50% of the market value of the portfolio. Our asset-based fees are determined by your
Advisor based upon a variety of factors such as the value of your assets under
management, your account type (e.g., retirement account), the nature of the services we
provide to you, the platform(s) and the program(s) you or your Advisor choose and the
current marketing and pricing for similar services. You can pay a higher or lower fee than
other clients pay for similar services.

Fees are negotiable and will be deducted directly from your account through the qualified
custodian holding your funds and securities. The qualified custodian will deliver an
account statement to you at least quarterly. These account statements show all
disbursements from your account. You should review all statements for accuracy.

Bluespring Wealth charges a fixed or hourly fee for Financial Planning Services and/or
Financial Consulting Services. Additionally, certain members of Bluespring Wealth’s
Supervised Persons, in their individual capacities, can offer insurance products under a
commission arrangement. Clients receiving multiple services such as investment
management and financial planning services can be charged a fixed fee at the Firm’s
discretion.

All fees are negotiable, subject to the maximum amount set forth above. We can waive or
charge a lesser fee or can charge a flat fee for our services. The advisory fees we charge can
be higher or lower than those charged by other investment advisers for comparable
services. The fees that we charge to manage assets in your account can be more than the
amount you would pay a broker-dealer to buy or sell securities on a commission basis in a
non-managed account.

Our financial professionals are compensated with a salary. Some advisors also receive
variable compensation paid out of fees that our firm earns from our clients as an incentive
to bring in and service new and existing client assets. This presents a conflict of interest
because advisors are incentivized to increase a client’s assets under management.

Bluespring Wealth consults with its clients in a fiduciary capacity regarding the options and
ramifications of transferring securities as necessary. Clients are advised that when
transferred securities are liquidated, the securities are subject to transaction fees, fees
assessed at the security level (e.g. mutual fund fees), and/or tax ramifications.

Many of Bluespring Wealth’s Advisors also act as insurance agents for insurance company
affiliates of Bluespring Wealth. Some of our Advisors, in their individual capacities as
insurance agents, can recommend you purchase fixed or general account insurance
products or annuities. These Advisors do not receive commissions on these products,
however a Bluespring Wealth affiliate will receive such commissions. You are under no

obligation to purchase any products sold by our Advisors while acting as an insurance
agent.

Investment Management Fees are separate from, and in addition to, any platform,
custodial, or other fees charged by the client’s custodian and service providers. Clients will
pay transaction fees for trades executed by their custodian, holdings charges imposed by
their custodian for certain investments, and charges imposed directly by a mutual fund,
index fund, or exchange traded fund (which are disclosed in the fund’s prospectus), mark-
ups and mark-downs, spreads paid to market makers, fees for trades executed away from
the custodian, wire transfer fees, and other fees and taxes on brokerage accounts and
securities transactions. Bluespring Wealth does not receive a portion of these fees. Clients
should review the disclosure documents and agreements provided by their custodian and
service providers for details regarding client costs and fee payment arrangements.

Fee Waivers and Minimums

Bluespring Wealth can establish account minimums for participation in certain portfolios.
These minimums are generally set at the portfolio level and can vary depending on
investment strategy, custodian, or platform.

Bluespring Wealth reserves the right, in its sole discretion, to waive or reduce account
minimums or management fees for certain clients or programs, including affiliated entities,
large accounts, or legacy relationships. Such waivers or reductions can result in similarly
situated clients paying different fees for comparable services.

Third-Party Investment Advisers

In some cases, Bluespring Wealth can hire a third-party investment adviser to provide
recommendations on asset allocation and/or security selection. When we do so, we have a
financial incentive to increase our Manager Fee to cover the cost of engaging the third-party
adviser. While these arrangements can provide additional expertise, they can increase the
overall cost of the portfolio.

In certain situations, Bluespring Wealth can receive research or model recommendations
from a third-party adviser at no charge, provided that specific asset thresholds are
maintained in portfolios using the adviser’s recommendations. In those cases, the third-
party adviser can be compensated by product sponsors (for example, mutual funds or
ETFs). This arrangement creates a conflict of interest because Bluespring Wealth has a
financial incentive to recommend or maintain portfolios that meet those thresholds in
order to avoid paying separately for these services.

Additional Fees and Expenses

In addition to the fees described above, clients also bear the expenses of the underlying
investments in their portfolios. Portfolios are typically invested in mutual funds and
exchange-traded funds (“ETFs”), which charge their own management fees and operating
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Item 7: Types of Clients
Bluespring Wealth provides investment management services primarily to individuals,
individual retirement accounts (“IRAs”), pension and profit-sharing plans, corporations
and other business entities, trusts, estates, and charitable organizations.

The minimum account size for investment management services is generally $500,000.
Bluespring Wealth, in its sole discretion, can accept smaller portfolios based on certain
criteria including, for example, anticipated future earning capacity, anticipated future
additional assets, pre-existing clients, and pro bono activities.

Bluespring Wealth generally charges a minimum fee of $2,500 for financial planning
services. Bluespring Wealth, in its sole discretion, can charge a smaller fee or waive
financial planning services fees based on criteria including complexity, pre-existing clients,
householding, and pro bono activities.