Synovus Securities Inc

Item 5 – Fees and Compensation
Financial Planning Services – Fees and Compensation:
Fees associated with financial planning services vary in conjunction with the complexity of each
individual engagement. Fees for a comprehensive financial plan begin at $2,500/plan. In addition, some
engagements may be agreed upon via an hourly rate approach, ranging from $150/hour to $300/hour
depending upon the level of complexity and/or experience level of the advisor(s) providing the services.
Terms and schedule of payment are agreed upon at time of engagement and can be modified upon
agreement between the Client and CFG. For producing a written financial plan and providing other
financial planning advice, CFG charges fees according to the degree of complexity involved and the skill
required in the formulation of the advice. After initial data gathering, a fee is estimated by CFG and quoted
to the Client for the Client’s agreement. One‐half the agreed upon fee is due immediately upon acceptance
by the Client. The remaining one‐half of the fee is due at completion and delivery of the written financial
plan. The financial planning agreement can be terminated at any time by the Client prior to completion of
the plan. There will be a refund to the Client of fees paid for which services have not been rendered. If a
Client elects an update of a written financial plan, the fee is negotiated and agreed upon in advance of
preparation and delivery of the plan. These fees are payable one‐half upon engagement and one‐half upon
delivery of the updated written financial plan. Termination and refund of unearned fees for written
financial plan updates are handled in the same manner as for the original written financial plan.
If a Client elects a periodic review, the fee is negotiated, agreed upon and paid in advance, and is
refundable on a pro‐rata basis if the Client wishes to terminate the agreement. Incidental investment
analysis is priced at a fee agreed upon with the Client in advance, but due and payable in arrears. There is
no refund policy for fees paid in arrears.
Investment and Asset Management Services – Fees and Compensation: Fees for investment and asset
management services are billed quarterly in arrears and based upon the market value of assets held in
the Client’s accounts on the last business day of each quarter. Unsupervised assets are not included in the
fee calculations. The fee will be prorated if the contract is made effective or cancelled within a quarter.
Fees are negotiable. While fees to different Clients may vary, all fees are quoted to the Client in advance
and the Client is always free to decline the fee and the service. The actual fee schedule paid by the Client
is noted in each Client’s advisory agreement.

CFG’s basic fee schedule for Investment and Asset Management services is as follows:

                  First $250,000           ‐     1.50% annual rate
                  Next $250,000            ‐     1.25% annual rate
                  Next $500,000            ‐     1.00% annual rate
                  Over $1,000,000          ‐     0.75% annual rate

 Creative Financial Group Disclosure Brochure                                                    Page 6
 January 28, 2026
 ACFG14023V25

Tax‐Related Services – Fees and Compensation: Fees associated with tax related services vary based
on the complexity of each individual engagement and the skill required in providing tax‐ related services.
Fees for an individual tax return preparation begin at $500/return. In addition, some engagements may
be agreed upon via an hourly rate approach, ranging from $150/hour to $300/hour depending upon level
of complexity and/or experience level of the advisor(s) providing the services. Terms and schedule of
payment are agreed upon at time of engagement and can be modified upon agreement between the Client
and CFG.
In conjunction with its tax‐related service offerings to Clients, CFG utilizes the services of NDTS Books &
Taxes 101, a tax preparation company that is owned and operated by an employee of CFG. CFG provides
payment to the tax preparation company for services rendered.
Risk Management Services – Fees and Compensation: Risk management or insurance services are
often imbedded with the comprehensive financial planning services and are not billed separately. In
special circumstances, special engagements may be agreed upon via an hourly rate approach, ranging
from $150/hour to $300/hour depending upon level of complexity and/or experience level of the
advisor(s) providing the services. Terms and schedule of payment are agreed upon at the time of
engagement and can be modified upon agreement between the Client and CFG.
Insurance products recommended as part of risk management services may incur additional costs, such
as commissions, transaction fees, account fees or other expenses.
Administrative Services – Fees and Compensation: Fees associated with administrative services vary
in conjunction with the determination and complexity of each individual relationship. Administrative
services will be coordinated, if applicable, with other services provided by CFG into a comprehensive
wealth management approach. Terms and schedule of payment are agreed upon at time of engagement
and can be modified upon agreement between the Client and CFG.
These services are offered individually and in combination. Additional fees may be incurred from
products, transaction fees, account fees, or services provided by other affiliated or unaffiliated third
parties.
General Information Regarding Fees and Compensation: While it is the policy of CFG to charge
investment management fees to its Clients in accordance with the fee schedules in effect at the time of
executing the investment management agreement, fees are subject to negotiation and may vary from the
aforementioned schedule to reflect circumstances that may apply to a specific client relationship or
...

Item 7 – Types of Clients
Creative Financial Group provides financial planning and asset management services to individuals, high
net worth individuals, estates, corporate pension and profit‐sharing plans, charitable institutions,
foundations, endowments, trust programs, and other corporations or business entities.