Synergy Financial Group Ltd

Item 5. Fees & Compensation
Investment Management Fees
Our investment management services are provided according to the fee table below. We do not impose a minimum
fee: however, we believe our services are most appropriate for clients with at least $50,000,000 of investable assets.

                                                                                       Maximum
                                    Assets Under Management                            Annual Rate
                First                          $2,500,000                                 1.25%
                Additional assets from         $2,500,001 to $10,000,000                  1.00%
                Additional assets from         $10,000,001 and above                      0.75%

Fees are payable quarterly in advance on the first day of the calendar quarter based on the market value of your
account(s) at the end of the previous quarter. Our fees are negotiable and will be deducted directly from your
account(s) pursuant to the written agreement between us. If there is insufficient cash in your account to pay fees,
an equal balance of securities in your portfolio may be sold to pay our fee. In calculating our advisory fees, we rely
on valuations provided by the custodians holding the assets. The custodians describe their specific policies in the
disclosures printed on account statements and other communications.

For accounts funded during a calendar quarter, our fee will be pro-rated for the number of days remaining in the
quarter and included in the first full quarter fee billing. For accounts terminated during a calendar quarter, we will
refund any pre-paid but unearned investment management fees promptly based on the termination provisions in
our written agreement.

Your custodian will send you a statement no less frequently than quarterly reflecting all transactions in your
account(s) as well as the advisory fees paid. We encourage you to verify the accuracy of the fee calculation and
contact us with any questions.
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Financial Planning Fees
We charge a fixed fee for our financial planning services. Our fees generally range from $5,000 - $60,000 based on
the scope and complexity of the services as detailed in the agreement between us. Our financial planning fees are
negotiable at our discretion. You are under no obligation to implement your financial plan through Synergy.

We require pre-payment of our financial planning fees along with an executed agreement before we begin work on
your plan. Notwithstanding the previous sentence, we do not charge more than $1200 in fees, 6 or more months
in advance.

You may terminate your financial planning agreement, without penalty, at any time upon written notice. At the
time of termination, any prepaid fees will be prorated based on the amount of work completed as of the date notice
of termination is received and any unearned fees will be promptly refunded (generally within 30 days).

Selection of Other Advisors
As indicated in Item 4 above, we may use a third-party manager directly or that is available to us on either the
Pershing Advisor Solutions or Charles Schwab Institutional platform to manage all or a part of your portfolio. In
these situations, you will receive the Form ADV Part 2A and/or Part 2A Appendix of that manager which will describe
their fees, advisory services, advisory practices, and conflicts of interest. The Agreement between us gives us
discretion to change the third-party manager without your prior approval. The fees you pay the third-party manager
are separate and in addition to the fees you pay Synergy. We do not share in the advisory fee you pay directly to
the third-party manager. Advisory fees that you pay to the third-party manager are established and payable in
accordance with the Form ADV Part 2 or other equivalent disclosure document provided by each third-party
manager. These fees may or may not be negotiable. You should review the recommended third-party manager’s
brochure for information on its fees and services.

Other Fees and Charges
Synergy fees are exclusive of custodial brokerage commissions, transactions fees, and other related costs and
expenses which you will incur. Your custodian/broker-dealer charges separate transaction and administrative fees
as described in Item 12 of this brochure. These expenses include custodial fees, deferred sales charges, odd-lot
differentials, interest on margin accounts, borrowing charges on securities sold short, transfer taxes, wire transfer
and electronic fund fees, or other fees and taxes on brokerage accounts and securities transactions. Mutual funds
and exchange traded funds also charge internal management fees, which are disclosed in a fund’s prospectus. Such
charges, fees and commissions are exclusive of and in addition to Synergy’s management fee. We do not receive
any portion of the commissions, fees, and costs charged by a fund company or your custodian/broker-dealer.

In addition to statements we provide, you will receive statements directly from these broker-dealers, custodians or
mutual funds or other investments you hold. While we take measures to ensure the fees charged are accurate, we
strongly urge you to compare these statements for accuracy.

Outside Compensation
Palash Islam, Synergy’s managing principal is a licensed insurance agent with various insurance carriers. This creates
a conflict of interest and gives Mr. Islam an incentive to recommend insurance products based on the compensation
received. Clients are under no obligation to purchase insurance products through Mr. Islam. For additional details
about these arrangements, please see Item 10 below as well as ADV 2B for Mr. Islam.

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Item 7. Types of Clients & Account Requirements
We provide services to the following types of clients: individuals, trusts, estates, charitable organizations, and small
businesses.

We do not impose a minimum fee; however, we believe our services are most appropriate for clients with at least
$50,000,000 of investable assets.