The Musuneggi Financial Group LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management         Annual Fees
        $0 - $250,000                         1.25%

        $250,001 - $500,000                   1.15%

        $500,001 - $1,000,000                 1.00%

        $1,000,001 - $2,000,000               0.85%

        $2,000,001 - $3,000,000               0.75%

        $3,000,001 - AND UP                   0.50%

The advisory fee is calculated using the value of the assets in the Account on the last
business day of the prior billing period.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of MFG's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract generally
with 30 days' written notice.

Selection of Other Advisers Fees

Clients will pay MFG its standard fee in addition to the standard fee for the advisers to
which it directs those clients. This relationship will be memorialized in each contract
between MFG and each third-party adviser. The fees will not exceed any limit imposed
by any regulatory agency. Specifically MFG may direct clients to Dunham & Associates
Investment Council, AssetMark, and Capital Client Group.

These fees are negotiable.

Pension Consulting Services Fees

Asset-Based Fees for Pension Consulting

        Total Assets Under Management         Annual Fee
        $0 - $2,000,000                       0.50%

        Total Assets Under Management          Annual Fee
        $2,000,001 - AND UP                    0.25%

The advisory fee is calculated using the value of the assets on the last business day of the
prior billing period

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of MFG's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the pension consulting agreement generally
with 30 days' written notice.

Fixed Fees

The rate for creating client pension consulting plans is between $500 and $250,000. The
final fee schedule will be memorialized in the client’s advisory agreement. This service
may be canceled with 30 days’ notice.

Hourly Fees

The hourly fee for these services is between $200 and $500. The final fee schedule will be
memorialized in the client’s advisory agreement.

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $500 and $250,000.

Hourly Fees

The negotiated hourly fee for these services is between $200 and $500.

Clients may terminate the agreement without penalty, for full refund of MFG’s fees,
within five business days of signing the Financial Planning Agreement. Thereafter, clients
may terminate the Financial Planning Agreement generally upon written notice.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis, or may be invoiced and billed

directly to the client on a quarterly basis. Clients may select the method in which they are
billed. Fees are paid in advance.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis, or may be invoiced and billed
directly to the client on a quarterly basis. Clients may select the method in which they are
billed. Fees are paid in advance.

Fixed pension consulting fees are paid via check, wire, or secure third party credit card
processor. These fees are paid 50% in advance, but never more than six months in
advance, with the remainder due upon presentation of the plan.

Hourly pension consulting fees are paid 50% in advance, but never more than six months
in advance, with the remainder due upon presentation of the plan.

Payment of Selection of Other Advisers Fees

The timing, frequency, and method of paying fees for selection of third-party managers
will depend on the specific third-party adviser selected and will be disclosed to the client
prior to entering into a relationship with the third-party adviser.

Fees for selection of third-party adviser are withdrawn by the third-party manager
directly from client accounts. MFG then receives its portion of the fees from the third-
party manager.

Payment of Financial Planning Fees

Financial planning fees are paid via check, wire, or secure third party credit card
processor.

Fixed financial planning fees are paid 50% in advance, but never more than six months in
advance, with the remainder due upon presentation of the plan.

Hourly financial planning fees are paid 50% in advance, but never more than six months
in advance, with the remainder due upon presentation of the plan.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by MFG. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

MFG collects certain fees in advance and certain fees in arrears, as indicated above.
Refunds for fees paid in advance but not yet earned will be refunded on a prorated basis
and returned within fourteen days to the client via check, or return deposit back into the
client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
the fees collected in advance minus the daily rate* times the number of days elapsed in
...

Item 7: Types of Clients

MFG generally provides advisory services to the following types of clients:

       ❖      Individuals
       ❖      High-Net-Worth Individuals
       ❖      Pension and Profit sharing Plans

There is no account minimum for any of MFG’s services.