Strategic Asset Management Group Advisors Inc

Item 5 Fees and Compensation
Please refer to the Advisory Business section in this brochure for information on our advisory fees, fee
deduction arrangements, and refund policy according to each service we offer.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. To fully understand the total cost you will incur,
you should review all the fees charged by mutual funds, exchange traded funds, our firm, and others.
For information on our brokerage practices, please refer to the Brokerage Practices section of this
brochure.

Compensation for the Sale of Securities or Other Investment Products
Persons providing investment advice on behalf of our firm are registered representatives with Lincoln
Investment a securities broker-dealer, and a member of the Financial Industry Regulatory Authority
and the Securities Investor Protection Corporation. In their capacity as registered representatives,
these persons receive compensation in connection with the purchase and sale of securities or other
investment products in non-advisory accounts, including asset-based sales charges, service fees or
12b-1 fees, for the sale or holding, of mutual funds. Compensation earned by these persons in their
capacities as registered representatives is separate and in addition to our advisory fees.

SAMGA recommends that most clients open their account with Lincoln Investment, the broker dealer
with whom Associated Persons of SAMGA are affiliated. Lincoln Investment then introduces your
accounts to Pershing, LLC, who handles the clearing and custody services.

A conflict of interest and breach of duty to provide best execution has been identified related to mutual
fund assets that pay a 12b-1 fee. Selecting a more expensive 12b1- fee paying share class when a
lower cost share class is available for the same fund could be deemed a breach of fiduciary duty.
These 12b-1 fees add to the total internal expense of the fund and may not have resulted in the
recommendation or purchase of the lowest expense share class available. To eliminate these conflicts
and possible breach of best execution duty, Pershing, LLC refunds to SAMGA advisory clients'
account(s) all 12b-1 fees received by Pershing, LLC related to SAMGA advisory assets. The refunded
amounts are identified on client's Pershing, LLC statements as a line item transaction labeled "12b-1
Fee Credit".

Insurance Products
Robert Oden has been licensed as an independent insurance agent since 1982. Mr. Oden has no
present intention to sell any insurance products at this time and, therefore, does not have a conflict.
However, if he chose to do so, he would be entitled to receive a commission for such sale. In that
event, such insurance commissions would be separate and in addition to our advisory fees. If Mr.
Oden were to sell insurance products and earn a commission therefrom this practice would present a
conflict of interest because he would have an incentive to recommend insurance products to you for

the purpose of generating commissions rather than solely based on your needs. You are under no
obligation, contractually or otherwise, to purchase insurance products through any person affiliated
with our firm.

Item 7 Types of Clients
We offer investment advisory services to individuals, pension and profit sharing plans, trusts, estates,
charitable organizations, corporations, and other business entities.

The Wrap-Fee Account requires a minimum account size of $1,000,000 to open and maintain an
account. SAMGA may accept accounts below the minimum account size at their sole discretion.