The Mustico Financial Group Inc

Item 5      Fees and Compensation
Employees and/or other related or affiliated persons of our firm are licensed as
registered representatives of a broker-dealer and/or licensed as insurance agents or
brokers. In their separate capacities, these individuals are able to implement investment
recommendations for advisory clients for separate and typical compensation (i.e.
commissions, 12b-1 fees or other sales-related forms of compensation). This presents a
conflict of interest to the extent that these individuals recommend that a client invest in
anything which results in such separate and typical compensation, such as a
commission, being paid to the individuals. Clients are not under any obligation to
engage these individuals when considering implementation of such separate products.
The implementation of any or all recommendations is solely at the discretion of the
client.

                   INVESTMENT SUPERVISORY SERVICES ("ISS")
                    INDIVIDUAL PORTFOLIO MANAGEMENT FEES
Our annual fees for Investment Supervisory Services are based upon a percentage of
assets under management and generally range from 0.65% to 1.95%.
Our fees are billed quarterly, in advance, at the beginning of each calendar quarter
based upon the value (market value or fair market value in the absence of market
value), of the client's account at the end of the previous year, plus additions into the
account. Fees will be debited from the account in accordance with the client
authorization.
A minimum of $100,000 of assets under management is generally required for this
service. This account size may be negotiable. The Mustico Financial Group, Inc. may
choose to group certain related client accounts for the purposes of achieving the
minimum account size and determining the annualized fee. For each account below
this minimum account size, Advisor may charge an additional one-time processing fee
of $45, and an annual maintenance fee of $45.
Limited Negotiability of Advisory Fees: Although The Mustico Financial Group, Inc.
has established the aforementioned fee schedule(s), we retain the discretion to
negotiate alternative fees on a client-by-client basis. Client facts, circumstances and
needs are considered in determining the fee schedule. These include the complexity of
the client, assets to be placed under management, anticipated future additional assets;
related accounts; portfolio style, account composition, reports, among other factors. The
specific annual fee schedule is identified in the contract between the adviser and each
client.
We may choose to group certain related client accounts for the purposes of achieving
the minimum account size requirements and determining the annualized fee.

Discounts, not generally available to our advisory clients, may be offered to family
members and friends of associated persons of our firm.

                             FINANCIAL PLANNING FEES
The Mustico Financial Group, Inc.'s Financial Planning fee is determined based on the
nature of the services being provided and the complexity of each client's circumstances.
All fees are agreed upon prior to entering into a contract with any client.
Our Financial Planning fees are calculated and charged on an hourly basis, ranging
from $150 to $250 per hour. Although the length of time it will take to provide a Financial
Plan will depend on each client's personal situation, we will provide an estimate for the
total hours at the start of the relationship.
Financial Planning Fee Offset: The Mustico Financial Group, Inc. reserves the
discretion to reduce or waive the hourly fee and/or the minimum fixed fee if a financial
planning client chooses to engage us for our Portfolio Management Services.
The client is billed in arrears based on actual hours accrued.
                PUBLICATION OF PERIODICALS OR NEWSLETTERS
Any annual subscription fee is waived for advisory clients of our firm.
Any fee we may implement will be billed quarterly in advance and is due and payable
within 30 days of invoicing.
                            CONSULTING SERVICES FEES
The Mustico Financial Group, Inc.'s Consulting Services fee is determined based on the
nature of the services being provided and the complexity of each client's circumstances.
All fees are agreed upon prior to entering into a contract with any client.
Our Consulting Services fees are calculated and charged on an hourly basis, ranging
from $150 to $250 per hour. An estimate for the total hours is generlly determined at the
start of the advisory relationship.
                                   OTHER REVENUE
The Mustico Financial Group, Inc., shares and/or subleases space to indivduals and/or
entities listed in Item 10, as well as Donald W. Mustico, Esq., which results in the receipt
of monthly or annual rent payments.
                               GENERAL INFORMATION
Termination of the Advisory Relationship: A client agreement may be terminated at
any time, by either party, for any reason upon receipt of 7 days written notice. As
disclosed above, certain fees may be paid in advance of services provided. Upon
termination of the advisory relationship, any prepaid, unearned fees will be refunded.
Clients shall inform MFG as to how the checks should be made out for each of the
clients accounts, including the name of the new custodian, account titles and account
numbers when applicable. Advisor shall calculate and refund the prorated portion of the
management fees for the quarter after the date of termination, less any earned fees

owed to Advisor. The closing of an individual account within a client household will not
result in a recalculation of fees or rates for that individual account during the quarter, nor
will it result in a pro rata refund for that individual account. However, a closed account
will result in that account removed from billing during any subsequent quarter thereafter,
unless and until that account is refunded. The date of termination shall be the date at
...

Item 7      Types of Clients
The Mustico Financial Group, Inc. provides advisory services to the following types of
clients:
 Individuals (other than high net worth individuals)
 High net worth individuals
 Pension and profit sharing plans(other than plan participants)
 Charitable organizations
 Corporations or other entities not listed above

As previously disclosed in Item 5, our firm has established certain initial minimum
account requirements, based on the nature of the service(s) being provided. For a more
detailed understanding of those requirements, please review the disclosures provided in
each applicable service.
As previously disclosed in Item 5, our firm has established certain minimum account
requirements to maintain an account, based on the nature of the service(s) being
provided. For a more detailed understanding of those requirements, please review the
disclosures provided in each applicable service.