The Junk Investment Group LLC

Item 5 – Fees and Compensation

In addition to the information provided in Item 4, Advisory Business, this section provides details regarding
our services along with descriptions of each service’s fees and compensation arrangements.

Financial Planning & Consultation Services

If requested by you, the investment advisor representatives (“representatives”) (collectively, “we” or “our”)
may provide financial planning & consultation services (including investment and non-investment-related
matters) on a fixed fee basis. Financial planning & consultation services fees begin at a minimum of
$1,950.00, calculated at a $325.00 hourly rate. We require a 6-hour minimum for financial planning &
consultation services. The total fee is based upon the level and scope of the services required, and the
representatives rendering the service(s). Before we can begin providing services, you must enter into a
Financial Planning Consultation Agreement (“Agreement”) with us setting forth the terms and conditions of
the engagement, the scope of the services to be provided and the fee charged. We require one-half of the
quoted fee at the time services begin, with the remaining balance due after the services have been provided.
All work is completed for the stated fixed fee unless there is a change in the scope of services requested.
If there is a change in the scope of services, a new Financial Planning Consulting Agreement must be
executed.

A copy of this Disclosure Brochure is provided to you prior to signing the Agreement. If you have not
received a copy of this Disclosure Brochure at least 48 hours prior to signing the Agreement, you have five
business days from the date of signing the Agreement to terminate our services without penalty. Upon oral
notice, termination is effective immediately and any fee paid is fully refunded. After five business days have
passed, you are responsible for our time expended to the effective date of termination. We calculate our
fees at $325.00 per hour for services rendered prior to the date of termination. All unearned fees are
refunded to you. Any fees due in addition to the prepaid retainer are due upon receipt of our detailed billing
statement.

Perspective Wealth Management                                                     Disclosure Brochure, December 2025

We rely on the information provided by you. Therefore, it is very important that the information you provide
is complete and accurate. We are not responsible for verifying the information supplied by you or by your
other professionals. Our services do not include legal or tax advice. You are urged to work closely with
your attorney, accountant, or other professionals regarding your financial and personal situation. If you
request it, we may recommend the services of other professionals to help you implement any advice or
recommendations, but you are not obligated to engage the services of anyone we recommend. You retain
absolute authority over all implementation decisions and are free to accept or reject any recommendation
from us.

In addition, you should notify us if there is ever a change in your financial situation or investment objectives
so that we can review our previous recommendations and/or services.

Portfolio Management Services

As previously described, we offer portfolio management services. Such services may further include, but
are not limited to, the following:

    •   Providing ongoing review of all your investment accounts and asset positioning
    •   Preparing quarterly reports showing the current value of all monitored assets
    •   Holding periodic meetings as necessary to review the positioning of various investments, and
    •   Conducting periodic phone conversations initiated by us and/or you pertaining to investment
        matters

Services also include the financial planning & consultation services previously described at no additional
charge.

We recommend that your assets be maintained in a brokerage account established at Charles Schwab &
Co., Inc. , a registered broker-dealer, member SIPC, or in an account held directly at an insurance
company. See, Additional Compensation, below and Item 12, Brokerage Practices, elsewhere in this
Disclosure Brochure. The qualified account custodian maintains custody of your funds and securities. We
do not act as custodian and do not have direct access to your funds and securities except to have advisory
fees deducted from your account and paid to us with your prior written authorization.

You authorize us to have trading authorization on your accounts, and the precise terms of that authorization
will depend on whether you retain us for discretionary or non-discretionary management services . See

Item 7 – Types of Clients

Investment advice is provided to the following types of clients:

    •   Individuals (including high-net-worth individuals)
    •   Trusts, estates, or charitable organizations

Minimum Investment Amounts Required

There is no minimum for financial planning & consultation services.

We require a $750,000 aggregate account minimum for new clients to establish a managed account. We
charge a minimum quarterly fee of $300 per client on managed accounts. However, in our sole discretion,
we may waive the quarterly fee, or new client account minimum, and/or charge a lesser investment
management fee based upon certain criteria (i.e., anticipated future earning capacity, anticipated additional
assets, dollar amount of assets to be managed, related accounts, account composition, etc.).