The Wealth Advantage Group Inc

Item 5 – Fees and Compensation

  Financial Planning

  WA Group typically provides financial planning services through a one time or annual engagement,
  and charges either a fixed fee or hourly fee for such services. WA Group’s financial planning and
  consulting fees are negotiable, but generally range from $180 to $250 on an hourly basis and from
  $2,500 to $10,000 on a fixed fee basis, depending upon the level and scope of the services. Prior to
  engaging WA Group to provide financial planning and/or consulting services, clients enter into a
  Financial and Investment Advisory Agreement setting forth the terms and conditions of the
  engagement and the scope of the services to be provided.

  Either party may terminate the agreement by written notice. In the event the client terminates, the
  balance of the unearned fees (if any) shall be refunded to the client. If termination occurs within five
  business days of entering into an agreement for such services, the client shall be entitled to a full
  refund.

  Investment Management

  WA Group provides ongoing and continuous investment management services on a fee-only basis.
  Generally, annual fees do not exceed 1.00% and are not less than 0.35% of the net asset value of the
  client’s portfolio. While fees are negotiable, WA Group has adopted the following investment
  advisory fee guidelines for new clients.

                                   0.95%    of the first $1,000,000 and
                                   0.75%    of the next $1,000,000 and
                                   0.55%   on the next $1,000,000 and
                                   0.35%   on amounts over $3,000,000

                                  MINIMUM ANNUAL FEE $2,500

  WA Group’s fee shall be charged quarterly, in advance, based upon the market value of the assets on
  the last day of the previous quarter. Clients may elect to pay fees directly or authorize WA Group to
  deduct fees from their accounts. Accounts initiated or terminated during a calendar quarter will be
  charged a prorated fee. Upon termination of any account, any prepaid, unearned fees will be promptly
  refunded, and any earned, unpaid fees will be due and payable.

  All clients may not be charged the same fee schedule as fees are negotiated based on specific client
  circumstances and fees schedules have changed over time. Some clients may be charged a flat fee.
  Applying a minimum or flat fee on small accounts may result in an annual fee that exceeds 1.00% of
  the net asset value of the client’s portfolio. Therefore, investment advisory services for smaller
  accounts may be available from another investment adviser at a lesser fee.

  In addition to WA Group’s fee, to the extent that funds are invested in a mutual fund, ETF or variable
  annuity/life sub-accounts, additional fees will be paid to the fund manager or insurance company.
  These fees will vary depending upon the particular mutual fund, ETF or variable annuity.

  WA Group will not have access to client funds for payment of fees without client consent in writing.
  The qualified custodian agrees to deliver a monthly account statement directly to the client showing
  all disbursements from the account. Clients should review their account statements for accuracy.

  General Information Regarding Advisory Services and Fees

  Transaction charges may be incurred when purchasing and selling securities. There are situations
  where paying a transaction fee costs less over a longer term. WA Group does not share in any portion
  of the brokerage fees or transaction charges imposed by any broker-dealer. We strive to keep any
  such charges to a minimum.

  Asset based fees can, at times, lead to conflicts of interest between an adviser and its clients. For
  example, conflicts of interest may arise regarding decisions to pay down debt, gift funds to charities,
  purchase a lifetime immediate annuity; invest in private equity (private real estate ventures, closely
  held businesses, etc.) or place funds in non-managed account. WA Group’s goal is to provide advice
  that is in its clients’ best interest, disregarding any impact of the decision upon our firm.

  Portfolio management services will continue in effect until terminated by either party by written notice
  in accordance with the terms of the Financial and Investment Advisory Agreement.

  WA Group’s relationship with each client is non-exclusive; in other words, WA Group provides
  investment supervisory services and financial planning services to multiple clients. WA Group seeks
  to avoid situations in which one client’s interest may conflict with the interest of another of its clients.

Item 7 – Types of Clients

  WA Group provides financial planning and investment advisory services to individuals, business
  entities, trusts and qualified and non-qualified retirement plans. Client relationships vary in scope and
  length of service.

  WA Group has no minimum account value or fee in order to establish a relationship with WA Group.