TCFG Investment Advisors LLC

ITEM 5: FEES AND COMPENSATION

                          PORTFOLIO MANAGEMENT SERVICES AND FEES

 The annual fee for management services is based upon a percentage of assets under management,
 including cash and are determined on a Client-by-Client basis. Each Advisor sets their own
 independent fee schedule, but the fee cannot exceed 2. 25%. However, if a third-party money
 manager is used for a Client’s account, Clients will incur a separate and additional fee that is
 charged by the third-party manager.

 The annualized fee for management services will be charged quarterly in advance as a percentage
 of assets under management. Fees will be assessed on the first day after the end of each
TCFG Investment Management- Client Brochure                                                  7

 calendar quarter, based on the value of the account assets under supervision as of the close
 of business on the last business day of that quarter.

 Fees are computed as an annualized percentage of assets under management on a sliding scale.

                                Assets Under Management       Per Annum%
                                      $0 to $249, 999            2.00%
                                From $250,000 to $499,999        1.75%
                               From $500,000 to $1,000,000       1.50%
                                    $1,000, 000 and up           1.00%

 Fees will be debited from account(s) selected by the Client.

 The advisory fee for management services includes payment for (i) investment advisory services
 provided by the Firm and Advisor pursuant to the Client Investment Management Agreement
 (“Agreement”) and (ii) administrative services such as computing, charging, and collecting
 account fees including the advisory fee for services provided under such Agreement; processing
 deposits and withdrawals from account( s) pursuant to Client instruction; and issuance of monthly
 and/or quarterly account statements. Advisory fees quoted do not include brokerage
 commissions, transaction fees, or other charges including but not limited to, wire fees, postage
 fees, and clearing fees ( as described more fully below under “Other Fees”).

 Negotiability of Advisory Fees: The Firm can, in its sole discretion, negotiate lower fees on
 a Client- by-Client basis. Client facts, circumstances, and needs are considered in determining
 the fee schedule. These include complexity of Client circumstances, assets to be placed under
 management, anticipated future additional assets; related accounts, portfolio style, account
 composition, and reports among other factors. The specific annual fee schedule will be identified
 in the contract between the Firm and each Client.

 The Firm believes their fee is reasonable however, lower fees for comparable services may be
 available from other sources.

                                  THIRD PARTY MONEY MANAGER FEES

 When the Advisor determines it is in the Client’s best interest to use a third- party money manager,
 the Client will pay the Third-Party Manager’s stated advisory fee plus the advisory fee shown
 above for the Firm. Please review the ADV Part 2 of the Third-Party Manager to understand the
 fees they will charge.

                   FINANCIAL PLANNING AND CONSULTING SERVICES FEES

 Financial planning and consulting services fees are determined based upon the nature of services
 being provided and the complexity of each Client’s circumstances. Fees are set by the
 individual Advisor. All fees are agreed upon prior to entering into a contract with any
 Client.

 Fees can be set as a flat fee ($500- $10 ,000) or based on an hourly ( $175- $250 /hour) charge.

TCFG Investment Management- Client Brochure                                                     8

 For hourly charged fees, the Advisor will provide an estimate of the time required to complete the
 plan or consulting services when meeting with the Client and before commencing work.

 Flat fees are sometimes calculated as a percentage of assets under management on an annual basis
 (0 .20% - 0.50 %). The Advisor will often request a retainer to commence work; however,
 advance payment will never exceed $ 1,200 for work that will not be completed within six months.
 The balance is due upon completion of the plan or services and can be paid directly or deducted
 from the Client’s investment account(s) if appropriate.

 Financial Planning Fee: The Firm reserves the discretion to reduce or waive the fee if a financial
 planning Client chooses to engage the Firm for management services.

                                              OTHER FEES

 Additional Fees and Expenses: In addition to our advisory fees, Clients are also responsible
 for the fees and expenses charged by custodians, other investment advisors, and broker-dealers,
 including but not limited to any transaction charges imposed by a broker-dealer that the
 investment adviser uses to effect transactions for the Client's account(s) and any platform fees
 charged by third party providers.

 TCFG Investment Advisors uses TCFG Wealth Management, LLC (“TCFG Wealth”) as an
 introducing broker- dealer in order to access Envestnet’s wealth management, risk assessment,
 and reporting platform prior to its ultimate custodial arrangement (as described more fully in Item

ITEM 7: TYPES OF CLIENTS

 TCFG Investment Advisors provides advisory services to the following types of Clients.
      •   Individuals (other than high net worth individuals)
      •   High net worth individuals
      •   Profit sharing plans (other than plan participants)
TCFG Investment Management- Client Brochure                                                  11

      •   Charitable organizations
      •   Corporations or other businesses not listed above.

 TCFG Investment Advisors reserves the right to accept or decline a potential Client for
 any reason in its sole discretion.