Strategic Planning Group LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
Asset Management Services Fees: Strategic Planning Group offers discretionary
asset management services to advisory Clients. Fees for these services will be based
on a percentage of the Client’s Assets Under Management. Strategic Planning
Group’s annual fee is negotiable; accounts within the same household may be
combined for a reduced fee. The advisory fees are:
       Assets Under Management                               Annual Fee*
              Up to $250,000                                    1.75%
          $250,001 to $1,000,000                                1.55%
          $1,000,001 and Above                                  1.35%

*If Strategic Planning Group selects a Sub-advisor for the Client’s account or
portion of the account, the Sub-Adviser’s fee will be paid from the annual fee paid to
Strategic Planning Group. Where SMA managers are used the total combined fee
will not exceed 2.5%. Lower fees may be available through other firms that do not
use SMA managers.

                                 Strategic Planning Group

Fees are billed monthly in advance. The fee will be calculated using the total
market value of the assets in the Client’s account as of the last business day of the
previous month. Monthly advisory fees deducted from the Client's account(s) by the
custodian will be reflected in the custodial statement. Lower fees for comparable
services may be available from other sources.
Clients may terminate their Asset Management Agreement within five (5) business
days of signing without penalty and with a full refund. Thereafter, either the Client
or Strategic Planning Group may terminate the Asset Management Agreement with
thirty (30) days written notice to the other party. The Client is entitled to a pro rata
refund based on the days service was not provided in the final month. Client shall
be given thirty (30) days prior written notice of any increase in fees, and Client will
acknowledge, in writing, any agreement of increase in said fees.
ERISA Plan Services: The annual fees are based on the market value of the
Included Assets and will not exceed 1.5%. The annual fee is negotiable and will be
charged as a percentage of the Included Assets. Fees may be charged quarterly or
monthly in arrears or in advance based on the assets as calculated by the custodian
or record keeper of the Included Assets (without adjustments for anticipated
withdrawals by Plan participants or other anticipated or scheduled transfers or
distribution of assets). If the services to be provided start any time other than the
first day of a quarter or month, the fee will be prorated based on the number of days
remaining in the quarter or month. If this Agreement is terminated prior to the end
of the billing cycle, Strategic Planning Group shall be entitled to a prorated fee
based on the number of days during the fee period services were provided or the
Client will be due a prorated refund of fees for days services were not provided in
the billing cycle.
The fee schedule, which includes compensation of Strategic Planning Group for the
services is described in detail in Schedule A of the ERISA Plan Agreement. The
Plan is obligated to pay the fees; however, the Plan Sponsor may elect to pay the
fees. Client may elect to be billed directly or have fees deducted from Plan Assets.
Strategic Planning Group does not reasonably expect to receive any additional
compensation, directly or indirectly, for its services under this Agreement. If
additional compensation is received, Strategic Planning Group will disclose this
compensation, the services rendered, and the payer of compensation. Strategic
Planning Group will offset the compensation against the fees agreed upon under the
Agreement.
Qualified Plan Consulting Services Fees: Strategic Planning Group does not
charge an additional fee for this service. Qualified Plan Consulting Services are only
offered to current Clients of Strategic Planning Group who are utilizing other
services.
Financial Planning and Consulting Services Fees: Strategic Planning Group
intends to be compensated for financial planning and consulting services by
charging fees on either an hourly basis of $150 or fixed fee basis of $1,000. Strategic

                                Strategic Planning Group

Planning Group fees will be negotiated in advance and will be set out in each
Client’s advisory contract. Payment in full is due upon commencement of the
planning process. Completed plans are delivered inside of sixty (60) days. Clients
may request to terminate their advisory contract with Strategic Planning Group, in
whole or in part, by giving written notice. Upon termination, any fees paid in
advance will be prorated to the date of termination and any excess will be refunded
to the Client.
Variable Annuity Management: The fees for these services will be based on a
percentage of Assets Under Management and will not exceed an annual fee of 1.5%
of the assets managed. Fees will be disclosed prior to the Client signing the
Investment Advisory Agreement.
Strategic Planning Group’s fees are billed monthly in advance based on the amount
of assets managed as of the close of business on the last business day of the previous
month. Monthly advisory fees will be paid in the following ways:
    • Deducted from Client’s annuity account
    • Deducted from another of the client’s non-qualified account(s) managed by
       Strategic Planning Group
The annual fee may be 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.). Accounts within the same household
may be combined for a reduced fee. Lower fees for comparable services may be
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Item 7: Types of Clients
Description
Strategic Planning Group generally provides investment advice to individuals, high-
net-worth individuals, corporations, or business entities. Client relationships vary
in scope and length of service.
Account Minimums
Strategic Planning Group requires an account minimum of $25,000 for asset
management services. Strategic Planning Group may waive this minimum at their
discretion based on circumstances such as Client relationships.