The Main Street Group Ltd

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.
A. Fees for Advisory Services
Asset Management
The asset management fee to be paid will depend upon the amount of assets placed under management per
thefee schedule attached to the Investment Advisory Agreement between Main Street and the client. Generally,
the more assets, the lower the percentage fee. The Investment Advisory Agreement shall set forth the terms and
conditions of the engagement.
Fee Dispersion. The Main Street Group and its representative, in their discretion. may charge a lesser investment
advisory fee, charge a flat fee, waive its fee entirely, or charge fees on a different interval, based upon certain
criteria (i.e. the professional providing the services, anticipated future earning capacity, anticipated future
additional assets, dollar amount of assets to be managed, related accounts, account composition, complexity of
the engagement, historical relationship, anticipated services to be rendered, grandfathered fee schedules,
employees and family members, courtesy accounts, competition, negotiations with the client, etc.).
Mutual Fund Share Class Disclosure (12b-1 Fees)
Some mutual funds available for client accounts may include 12b-1 fees as part of the fund’s internal expenses,

   Disclosure Brochure

which are disclosed in the fund’s prospectus and are paid by the mutual fund company, not by the client directly.
The Main Street Group does not receive 12b-1 fees. To the extent any 12b-1 fees are credited to the Advisor by a
custodian or fund sponsor, such amounts are fully rebated to the client’s account. When selecting mutual funds for
client accounts, the Advisor seeks to utilize lower-cost share classes available to clients, consistent with the client’s
investment objectives, account size, and custodial availability. Clients should understand that internal mutual fund
expenses, including any 12b-1 fees, are separate from and in addition to the advisory fees charged by the Advisor.
Automated Investment Platform
Clients do not pay fees directly, but clients are charged a fee for services which are not set or supervised by
Schwab. Clients do not pay brokerage commissions or any other fees as part of the Program. Schwab does receive
other revenues in connection with the Program, as described in the Program Disclosure Brochure.
The Main Street Group does not pay SWIA fees for its services in the Program so long as we maintain $100
million in client assets in CS&Co accounts that are not enrolled in the Program. If The Main Street Group does
not meet this condition, then we pay SWIA an annual fee of 0.10% (10 basis points) on the value of our clients'
asset in the Program. This fee arrangement gives us an incentive to recommend or require that our clients with
accounts not enrolled in the Program be maintained with CS&Co.
Financial Planning Services
Fees for financial planning are charged on an hourly or fixed fee basis. The fee will be based on the type of
services to be provided, investment experience, complexity and expertise required. The maximum hourly fee to
be charged any client will not exceed $400 without extenuating circumstances and approval by the Chief
Compliance Officer. Fixed fees generally range from $500 to $5,000. Depending on the complexity of a plan fees
may exceed $5,000.
Retirement Plan Consulting
The fee for Retirement Plan Consulting will not exceed 2% of plan assets under management. The total estimated
fee, as well as the ultimate fee that we charge you, is based on the scope and complexity of our engagement with
you. The fee-paying arrangement for Retirement Plan Consulting will be outlined in a separate agreement and
generally based on the percentage of assets under management at the end of the previous quarter end, billed in
advance.
Please Note: Conflict of Interest. The Main Street Group generally shall compensate its representatives based
upon the revenues derived from accounts that they service. The representative generally maintains the authority
to determine the fees that it will charge. Thus, a conflict of interest is presented because the higher the advisory
fees, the greater the compensation.
Please Also Note: As result of the above, similarly situated clients could pay different fees. In addition, similar
advisory services may be available from other investment advisers for similar or lower fees.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian.

   •   90 days x [Average Daily Value x Advisory Fee] / 360 = QUARTERLY arrears billing

   Disclosure Brochure

   •   30 days x [Average Daily Value x Advisory Fee] / 360 = MONTHLY arrears billing
The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. All securities held in accounts managed by The Main Street Group will be independently
valued by the designated Custodian. The Main Street Group will not have the authority or responsibility to value
portfolio securities.

   •   An independent custodian sends statements to clients at least quarterly showing the market values for each
       security included in the Assets and all disbursements in an account including the amount of the advisory
       fees paid to The Main Street Group. Clients provide authorization permitting The Main Street Group to
       be directly paid by these terms.

   •   The independent custodian is responsible for calculating and deducting advisory fees from client accounts.
       Client will provide the independent custodian with written authorization to deduct fees and pay the
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Item 7 – Types of Clients

The advisory services offered by The Main Street Group are available for individuals, individual retirement
accounts (“IRAs”), banks and thrift institutions, pension and profit sharing plans, including plans subject to
Employee Retirement Income Security Act of 1974 (“ERISA”), trusts, estates, charitable organizations, state and
municipal government entities, corporations and other business entities. However, the firm generally provides
investment advice to individuals and high net worth individuals. The firm is currently not working with other
types of clients or pursuing them as prospects but would not turn away any opportunities that may arise.

Fee Dispersion. The Main Street Group (in conjunction with its representatives), can (at its discretion) charge a
lesser or higher investment advisory fee, charge a flat fee, or waive its fee entirely based upon certain criteria (i.e.
the representative providing the services, anticipated future earning capacity, anticipated future additional assets,
dollar amount of assets to be managed, related accounts, account composition, scope of the services to be provided,
complexity of the engagement, grandfathered fee schedules, The Main Street Group’s employees and family
members, courtesy accounts, large cash positions not intended for investment, competition, negotiations with
client, etc.).

Please Note: Conflict of Interest. The Main Street Group generally shall compensate its representatives based
upon the revenues derived from accounts that they service. The representative generally maintains the authority
to determine the fee percentage.