South Bay Financial Partners Group Inc

Item 5 Fees and Compensation

Please note, unless a Client has received the firm’s Form ADV - Firm Brochure (this
document) at least 48 hours prior to signing the Client contract, the Client contract may

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be terminated by the Client within five (5) business days of signing the contract without
incurring any advisory fees. How we are paid depends on the type of advisory service
we are performing. Please review the fee and compensation information below.

       A. Your Amazing Financial Life

Membership to Your Amazing Financial Life (YAFL) is free.

In addition, workshops, courses and classes, like the Women’s Investing Network, are
available to all members and range from free to $500 each. In the event of cancellation
by the member, fees are fully refundable up to seven (7) days prior to the
commencement of the workshop or class.

Fees are paid automatically via a credit card or ACH, as chosen by each member.

       B. Fresh Start Program

The Fresh Start Program is designed as a service that new Clients experience. In this
program, we work with Clients to create an achievable plan built around their beliefs,
behaviors, life intentions, and goals. Delivered in six steps, we begin with a Discovery
meeting, that costs between $400-$600. The Discovery meeting is approximately 90
minutes covering Client’s beliefs, behaviors, and current financial situation to determine
where they are and how they got to their current financial situation. Client receives a net
worth statement, Money Means and Wealth Builder survey results, and a report
summarizing their current situation and action items they could take. If mutually decided
to move forward, we begin our financial planning process to develop a comprehensive
plan that will be delivered after the sixth step is completed. Fees for the entire program
range from $2,850 - $12,000. Discounts are available.

Current clients may go through the Fresh Start program during life transitions. There is no
additional cost to current clients for the Fresh Start program.

       C. Ongoing Financial Planning Service Plans

Ongoing recurring clients are provided with investment advice, as well as tax preparation,
tax planning, reviewing risk and insurance/benefits, reviewing estate plans including
coordinating with Client’s attorney, cash flow management, and financial therapy, ie.
sessions to facilitate financial decisions.

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Fees for Ongoing Financial Planning will be calculated as follows:

2% of AGI (Adjusted Gross Income from most recently available tax return), less capital
gains + .45% of assets under management + .2% of held away assets under
advisement $550 for administrative overhead.
Examples:
   x   If Client has $1,000,000 of investments at Brokerage, the fee is $4,500 per
       year for the Assets Under Management portion of the fee.
   x   If Client has $1,000,000 in a 401k at another brokerage that Advisor advises, the
       fee would be $2,000 per year for the assets “held away” portion of the fee.
   x   If the Client has $100,000 in income (as defined above), the fee would be $200
       per year for the financial planning fee.
   x   Fee Summary: If the Client had $1,000,000 at Brokerage, a $1,000,000 401k under
       advisement, and $100,000 in adjusted gross income (AGI), plus the adminstrative fee, the
       total fee would be $7,050 per year, billed at $1,762.50 per quarter, or $587.50 per month.

The minimum total fee is $810 quarterly or $270 monthly. Fees charged to Clients are
the only fees that the Advisor receives. There are no other fees, commissions, bonuses,
etc. received by Advisor. Discounts are available.

Trusts that require their own tax returns are charged 0.55% of assets under
management plus a $550 administration fee. Services include tax preparation and
planning, investment, and cash flow management.

Examples:
Trust - as part of additional services to client
A $1,000,000 trust held with a client with additional services, as listed previously, would
pay $5,500 per year or $1,387.50 per quarter.

Trust - standalone, with no other services to client
A $1,000,000 trust held by a client that has no other services with Advisor would have
an additional $550 administration fee for a total of $6,050 per year or $1,512.50 per
quarter.

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       D. Financial Coaching

Client executing their own financial plan, tax preparation, and investing can request
support and review of their plan for $165 per hour for basic topics. Complex topics that
require advanced knowledge are charged at a rate of $440 per hour. Client can have
special monthly packages for specific projects. These monthly subscriptions may
include access to financial planning and investment software tools. These support
services are executed during the meeting only. No preparation work is typically done
by Advisor before the meeting or follow-up after the meeting. Advisor also does not
proactively contact Client when laws or the economy change in a meaningful way. It is
the Client’s responsibility to monitor these and engage Advisor.

       E. Standalone Investment Advisory Services

Our stand-alone investment advisory fee is based on the market value of the assets and
is calculated as follows:

The fee is calculated by applying the account value as of the last day of the previous
quarter.

Examples:

An account valued at $2,000,000 would pay 0.60% for an annual fee of $12,000 plus
$550 administration fee: $12,550 per year or $3,137.50 quarterly.

The minimum annual fee for Standalone Investment Advisory Services is $1,500. Fees
charged to Clients are the only fees that the Advisor receives. There are no other fees,
commissions, bonuses, etc. received by Advisor. Discounts are available.

Standalone investment services are not available to new clients.

       F. Tax Preparation Services
...

Item 7 Types of Clients

Advisor provides investment advice to high-net-worth individuals and families,
individuals, families, small businesses, freelancers, churches, trusts, pension plans, and
pooled income funds. Clients represent all age groups, working, retired, and
multigenerational families. There are no minimum asset or income requirements.