The High Net Worth Advisory Group LLC

Fees and Compensation - Item 5

 Wealth Management Services Fees
 HNWAG charges an annual fee of up to 1.50% of the market value of the assets under management for wealth
 management services. These fees are negotiable depending on factors such as the amount of assets, range of
 investments, and complexity of the Client’s financial circumstances, among others. Since this fee is negotiable,
 the exact fee paid by the Client will be clearly stated in the advisory agreement signed by HNWAG and the Client.

 Investment management fees are payable quarterly, in advance, based on the total value of assets on the last day
 of the previous quarter. Fees are adjusted for deposits or withdrawals in excess of $100,000. Generally, the
 custodian holding the Client’s account will deduct HNWAG’s fees and any other custodial fees directly from a
 designated account to facilitate billing provided the Client has given written authorization. The qualified custodian
 will send an account statement at least quarterly. This statement will detail all account activity. In limited
 circumstances, at the sole discretion of HNWAG, we may agree to invoice you directly for our advisory fee or we
 may negotiate other fee payment arrangements.

 Our annual fee is exclusive of, and in addition to, brokerage commissions, transaction fees, and other related
 costs and expenses. You are responsible for brokerage costs incurred. However, HNWAG will not receive any
 portion of the commissions, fees, and costs. Please see Item 12 – Brokerage Practices for further information on
 brokerage arrangements and transaction costs.

The High Net Worth Advisory Group, LLC
Form ADV Part 2 Brochure

 At the inception of wealth management services, the first pay period’s fees will be calculated on a pro-rata basis.
 The wealth management agreement between the Client and HNWAG will continue in effect until either party
 terminates the agreement in accordance with the terms of the agreement. HNWAG’s annual fee will be pro-rated
 through the date of termination. Should termination occur at any time other than the end of a billing period, any
 unearned prepaid fee will be refunded to the Client.

 Portfolio Review and Allocation Services Fees
 Portfolio review and allocation services are subject to a fee of up to 1.00% of the market value of the assets in
 the portfolio. Fees are negotiable depending on factors such as range of investments and complexity of the
 Client’s financial circumstances, among others. The payment terms are negotiated on a case by case basis and
 listed in the agreement signed by both parties. HNWAG invoices Clients directly for the payment of fees and fees
 are generally paid by check, wire, or an ACH transfer. HNWAG does not require the prepayment of over $1,200,
 six or more months in advance. Either party may terminate the portfolio recommendations agreement upon
 written notice to the other. Any prepaid, unearned fees are promptly refunded to the Client.

 General Consulting Services Fees
 Consulting services are offered for an hourly fee of up to $1,000. Fees are negotiable depending on factors such
 as range of investments and complexity of the Client’s financial circumstances, among others. The payment terms
 are negotiated on a case by case basis and listed in the agreement signed by both parties. HNWAG invoices Clients
 directly for the payment of consulting fees and fees are generally paid by check, wire, or an ACH transfer. HNWAG
 does not require the prepayment of over $1,200, six or more months in advance. Either party may terminate the
 consulting service agreement upon written notice to the other. Any prepaid, unearned fees are promptly
 refunded to the Client.

 Pension Consulting Services Fees
 The compensation arrangement for pension consulting services is based on fixed fees, or a percentage of the plan
 assets. Services will be negotiated on a case-by-case basis. The exact services to be provided, the fee to be paid
 by the Client, fee payment arrangements, how to terminate the contract, and other terms will be clearly stated
 in the pension consulting agreement signed by the Client and HNWAG. Clients who choose to have HNWAG’s fee
 deducted directly from their account must provide authorization. The qualified custodian holding Client funds
 and securities will send an account statement on at least a quarterly basis. This statement will detail account
 activity. Clients are encouraged to review each statement for accuracy.

 Additional Fees and Expenses
 Fees are negotiable based on the amount of assets under management, complexity of the Client’s financial
 situation, goals, and objectives, and the level of services to be rendered. Fees are charged as described above and
 are not based on a share of capital gains of the funds of the advisory Client.

 All fees paid to HNWAG for investment advisory services are separate and distinct from the fees and expenses
 charged to shareholders by mutual funds or exchange traded funds. These fees and expenses are described in
 each fund's prospectus. These fees generally include a management fee, other fund expenses, and a possible
 distribution fee. If the fund also imposes sales charges, you may pay an initial or deferred sales charge. A Client
 could invest in such funds directly, without the services of HNWAG. In which case, the Client would not receive
 the services provided by HNWAG, which are designed, among other things, to assist the Client in determining
 which fund or funds are most appropriate to their financial condition and objectives. Accordingly, Clients should
 review the fees charged by the funds and the fees charged by HNWAG to fully understand the total amount of
 fees charged and to evaluate the cost of advisory services being provided.

 We do not represent, warrant, or imply that the services or methods of analysis employed by us can or will predict
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Types of Clients - Item 7

 We generally offer investment advisory services to individuals, pension and profit sharing plans, trusts, estates,
 and business entities.

 HNWAG generally requires a minimum account size of $250,000 for advisory accounts. However, from time-to-
 time, in its sole discretion, HNWAG may accept smaller accounts based on various criteria, such as anticipated
 future assets, related accounts, and other individual Client circumstances.

                       Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 We may use one or more of the following methods of analysis and/or investment strategies when providing
 investment advice to you:

      • Fundamental Analysis – involves analyzing individual companies and their industry groups, such as a
        company’s financial statements, details regarding the company’s product line, the experience and
        expertise of the company’s management, and the outlook for the company’s industry. The resulting data
        is used to measure the true value of the company’s stock compared to the current market value. The
        primary risk of fundamental analysis is that information obtained may be incorrect and the analysis may
        not provide an accurate estimate of earnings, which may be the basis for a stock’s value. If securities

The High Net Worth Advisory Group, LLC
Form ADV Part 2 Brochure

          prices adjust rapidly to new information, utilizing fundamental analysis may not result in favorable
          performance.

 We may also obtain research from unaffiliated third parties. Prior to engaging the services of any unaffiliated third
 party research provider, HNWAG will conduct a due diligence review and will maintain records of the review in
 the firm’s compliance files.

 HNWAG does not represent, warrant, or imply that any analysis method employed by the firm can or will
 successfully identify market tops or bottoms. No analysis method has been proven to insulate Clients from losses
 due to market fluctuations, corrections, or declines.

 We may use one or more of the following investment strategies when advising you on investments:

      • Long Term Purchases – securities purchased with the expectation that the value of those securities will
        grow over a relatively long period of time, generally greater than one year. Using a long-term purchase
        strategy generally assumes the financial markets will go up in the long-term which may not be the case.
        There is also the risk that the segment of the market that you are invested in or perhaps just your
        particular investment will go down over time even if the overall financial markets advance. Purchasing
        investments long-term may create an opportunity cost - "locking-up" assets that may be better utilized
        in the short-term in other investments.

      • Short Term Purchases – securities purchased with the expectation that they will be sold within a relatively
        short period of time, generally less than one year, to take advantage of the securities' short-term price
        fluctuations. Using a short-term purchase strategy generally assumes that we can predict how financial
        markets will perform in the short-term which may be very difficult and will incur a disproportionately
        higher amount of transaction costs compared to long-term trading. There are many factors that can
        affect financial market performance in the short-term (such as short-term interest rate changes, cyclical
        earnings announcements, etc.) but may have a smaller impact over longer periods of times.

     •    Option Writing – an option is the right either to buy or sell a specified amount or value of a particular
          underlying investment instrument at a fixed price (i.e. the “exercise price”) by exercising the option
          before its specified expiration date. Options giving you the right to buy are called “call” options. Options
          giving you the right to sell are called “put” options. When trading options on behalf of a Client, we
          generally use covered options. Covered options involve options trading when you own the underlying
          instrument on which the option is based. Investments in options contracts have the risk of losing value
          in a relatively short period of time. Option contracts are leveraged instruments that allow the holder of
          a single contract to control many shares of an underlying stock. This leverage can compound gains or
          losses.

     •    Margin Transactions – margin strategies allow an investor to purchase securities on credit and to borrow
          on securities already in their custodial account. Interest is charged on any borrowed funds for the period
          of time that the loan is outstanding. When you purchase securities, you may pay for the securities in full
          or you may borrow part of the purchase price from your broker-dealer. If you intend to borrow funds in
          connection with your account, you will be required to open a margin account, which will be carried by
          the broker-dealer of your account. The securities purchased in such an account are the broker-dealer’s
          collateral for its loan to you. If the securities in a margin account decline in value, the value of the
          collateral supporting this loan also declines, and, as a result, a brokerage firm is required to take action,
          such as issue a margin call and/or sell securities or other assets in your accounts, in order to maintain
          necessary level of equity in the account. It is important that you fully understand the risks involved in
          trading securities on margin, which are applicable to any margin account that you may maintain,
          including any margin Account that may be established as a part of our advisory services and held by your
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