Truefg LLC

Item 5: Fees & Compensation

    Compensation for Our Advisory Services

    Financial Planning & Consulting:

    Our firm charges on a flat fee basis for initial financial planning and consulting services. The total
    estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our
    engagement with the client. Flat fees range from $500 to $2,000. For non-portfolio management
    clients, our firm charges on a flat fee basis for ongoing financial planning and consulting services.
    Financial planning and consulting fees may be paid in full up-front or on a monthly basis. Fee paying
    arrangements for this service will be determined on a case-by-case basis and will be detailed in the
    signed planning or consulting agreement. Our firm will not require a retainer exceeding $1,200 when
    services cannot be rendered within 6 months.

    Retirement Plan Consulting:

    Our firm charges a fee based on the percentage of Plan assets under management for our Retirement
    Plan Consulting services. The maximum annual fee charged for this service will not exceed 1.25% of
    Plan assets under management. The total estimated fee, as well as the ultimate fee charged, is based
    on the scope and complexity of our engagement with the client. The fee-paying arrangements for
    Retirement Plan Consulting service will be determined on a case-by-case basis and will be detailed
    in the signed consulting agreement.

    Other Types of Fees & Expenses

    Wrap clients will not incur transaction costs for trades. More information about this can be found in
    our separate Wrap Fee Program Brochure.

    Clients may also pay holdings charges based on a percentage of the dollar amount of assets in the
    account(s) imposed by the chosen custodian for certain investments, charges imposed directly by a
    mutual fund, index fund, or exchange traded fund, which shall be disclosed in the fund’s prospectus
    (e.g., fund management fees, distribution fees, surrender charges, variable annuity fees, IRA and
    qualified retirement plan fees, mark-ups and mark-downs, spreads paid to market makers, fees for
    trades executed away from custodian, wire transfer fees and other fees and taxes on brokerage
    accounts and securities transactions). Our firm does not receive a portion of these fees.

    Termination & Refunds

    Either party may terminate the advisory agreement signed with our firm for our Wrap Portfolio
    Management and Wrap Comprehensive Portfolio Management services in writing at any time. Upon
    notice of termination our firm will process a pro-rata refund of the unearned portion of the advisory
    fees charged in advance at the beginning of the month. If the appropriate disclosure statement was

ADV Part 2A – Firm Brochure                       Page 6                                      True Financial Group

    not delivered to the client at least 48 hours prior to the client entering into any written or oral
    advisory contract with this investment adviser, then the client has the right to terminate the contract
    without penalty within five (5) business days after entering into the contract.

    Financial Planning & Consulting clients may terminate their agreement at any time before the
    delivery of a financial plan by providing written notice. For purposes of calculating refunds, all work
    performed by us up to the point of termination shall be calculated at the hourly rate disclosed in the
    executed advisory agreement. Clients will receive a pro-rata refund of unearned fees based on the
    time and effort expended by our firm.

    Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing
    written notice to the other party. Full refunds will only be made in cases where cancellation occurs
    within five (5) business days of signing an agreement. After five (5) business days from initial signing,
    either party must provide the other party 30 days’ written notice to terminate billing. Billing will
    terminate 30 days after receipt of termination notice. Clients will be charged on a pro-rata basis,
    which takes into account work completed by our firm on behalf of the client. Clients will incur charges
    for bona fide advisory services rendered up to the point of termination (determined as 30 days from
    receipt of said written notice) and such fees will be due and payable.

    Commissionable Securities Sales

    Our firm and representatives do not sell securities for a commission in advisory accounts.

Item 7: Types of Clients & Account Requirements

    Our firm has the following types of clients:
       • Individuals and High Net Worth Individuals; &
       • Pension and Profit-Sharing Plans.

    Our firm does not impose requirements for opening and maintaining accounts or otherwise engaging
    us. However, written financial plans are typically assessed a minimum fee of $500.