The Strategic Financial Alliance Inc

ITEM 5 – FEES AND COMPENSATION
PORTFOLIO MANAGEMENT FEES AND COMPENSATION
The Strategic Choice Program (“the Program”) offers two fee structures:

           All-Inclusive (“wrap”) account in which the asset-based fee includes our advisory fee
            and transactions fees; or
           Non-Inclusive account in which the transaction fees are assessed separately from
            the asset-based advisory fee.

For complete fee details for the Program, please see the Appendix 1 Strategic Choice Program
Brochure.

C-S HARE MUTUAL FUND MANAGEMENT PROGRAM FEES AND COMPENSATION

Advisory services in this program are paid for by the 1% annual fee assessed by the respective
mutual fund company and paid to SFA. In the event that you terminate the investment advisory
agreement with SFA, SFA will continue to receive fees as “broker of record” until such time as
you transfer the account to another firm.

CO-ADVISORY PROGRAMS

The fees, expenses and termination provisions and refund of fees for Orion Portfolio Solutions,
LLC are described in its ADV 2A and Appendix 1 Disclosure Brochures. The program accesses a
tiered administration fee ranging from a high of 0.45% to 0.08%; strategist fees from 0.10% -
0.20%; trading and custody fees for the ETF strategies, 0.10-0.20%; and an annual account
maintenance fee, $25 or $50.00. The account maintenance fee may be waived for certain
accounts. SFA will charge an advisory fee in addition to the fees listed above. The total fees
charged to you may not exceed 2.0%.

The fees, expenses, termination provisions and refund of fees for Lockwood Managed Account,
AssetMark Investment Services, BAM Advisory Services and other similar programs offered

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through SFA are fully described in their respective ADV 2A and Appendix 1 Disclosure Brochures.
These brochures
are available upon request and will also be provided to you prior to your entering an advisory
agreement for any of these programs.
Account minimums will vary by program and will be described in the respective disclosure
brochures.

Should you decide to participate in one of these programs, SFA and your Advisory Representative
will receive a portion of the advisory fee charged to your account. Amount of the fee payable to
SFA is negotiable.

THIRD-PARTY ASSET MANAGER FEES AND COMPENSATION
Fees may be negotiated within limits set by the third-party asset manager. Fees generally range
from 10 basis points to 250 basis points annually, depending upon the program selected, the size
of the account and the services covered. Under some programs, an inclusive fee covers account
management, brokerage, clearance, custody, and administrative services. In other programs, the
account may be charged separately for such services.

The amount of the fees, services provided, payment structure, termination provisions and other
aspects of each program are detailed and disclosed in the third-party asset manager’s Form ADV
Part 2 and Appendix 1 wrap fee program disclosure brochures. SFA and your Advisory
Representative will share in a portion of the fee charged by the third-party manager. The amount
of this portion varies program by program and is disclosed in the Solicitor’s Disclosure Statement
provided to you.

If mutual funds or variable annuities are used in these programs, the fees mentioned above are
in addition to the internal management fees and expenses paid by the mutual funds or variable
annuity companies to their separate investment advisors. In addition, variable annuity companies
generally impose mortality charges on such accounts. Fees are payable in advance or in arrears
as described in the third-party money manager’s form ADV client and wrap fee brochures.

FINANCIAL PLANNING AND CONSULTATION FEES AND COMPENSATION
Advisory Representatives may charge a fixed or hourly fee for financial planning and
consultations. Fees are negotiated with each client depending on the complexity of the situation,
the services provided and experience of the representative. The fee charged generally does not
exceed a flat fee of $10,000, an hourly rate of $500 per hour, or an annual management fee of
2% of asset value. Due to the complexity of some financial plans and consulting arrangements, a
higher fee may be negotiated. Up to one half of the agreed upon fee may be billed in advance,
with the remainder due upon delivery of the planning/consulting, but not more than six months in
advance of delivery of the plan or consultation, in accordance with your Financial Planning or
Consulting Agreement.

You may terminate the planning/consulting agreement without penalty within five business days
after signing the agreement. Thereafter, you may terminate the planning or consulting agreement

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upon written notice. If the agreement is terminated by the client, SFA will not refund any portion
of the fee; however, SFA reserves the right, at its sole discretion, to refund any or all of the fee
paid in individual circumstances.

If you choose to implement your financial plan or any recommendations through your Advisory
Representative in his or her capacity as a registered representative of SFA or a licensed insurance
agent, he or she may receive additional compensation in the form of sales commissions and 12b-
1 fees.
LECTURE AND SEMINAR FEES AND COMPENSATION
SFA may charge attendees a fee for attending such lectures and seminars. Fees for seminars
are paid to SFA or to a billing agent designated on the application form. Fees are negotiable at
the sole discretion of SFA. Fees are due at or prior to attendance unless otherwise specified
and are not refundable.

SUBSCRIPTION ADVISORY SERVICES FEES AND COMPENSATION
...

ITEM 7 – TYPES OF CLIENTS
SFA provides investment advisory services to individuals, high net worth individuals, pension and
profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business
entities.

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SFA requires a minimum account size of $25,000 in managed (or “supervised”) assets for
Strategic Choice accounts. This limit may be met by a single account or, at SFA’s discretion, by
aggregating the assets within multiple related accounts. SFA requires a minimum account size of
$25,000 for C-Share Managed Accounts. This minimum account size serves as a guideline, only.

SFA, at its sole discretion, may waive this minimum account requirement. The minimum account
sizes required for participation in the programs sponsored by third-party asset managers are
described in the manager’s respective disclosure brochures.