Tucker Jr Douglas Ray

Fees and Compensation

The following types of fees will be assessed:

Asset Management – Fees are charged in advance and are based primarily on asset size and the
level of complexity of the services provided. In individual cases, TFG has the sole discretion to
negotiate fees that are lower than the standard fee shown or to waive fees. Fees are not based on
the share of capital gains or capital appreciation of the funds or any portion of the funds.
Comparable services for lower fees may be available from other sources. Fees for the initial
quarter will be prorated based upon the number of calendar days in the calendar quarter that the
advisory agreement is in effect. Fees are based on the market value of the assets on the last
business day of the previous quarter. Annual fees range from .50% - 1.00% depending on the
amount of assets under management (“AUM”) – See chart below. Consulting services are
included in these fees for asset management services with the exception of unique circumstances
that may require a separate agreement for financial planning services (description and fees are
discussed below). If the situation warrants separate financial planning fees, it will be discussed
upfront and a separate agreement will be negotiated.

Fee Schedule for Asset Management:

   Total Account Value                                 Maximum Annual Advisory Fee

  Under $1,000,000                                                 1.00%
 $1,000,000 - $1,999,999                                           0.80%
 $2,000,000 - $4,999,999                                           0.70%
 $5,000,000 - $24,999,999                                          0.60%
 $25,000,000 or more                                               0.50%

As authorized in the client agreement, the account custodian withdraws TFG’s advisory fees
directly from the clients’ accounts according to the custodian’s policies, practices, and
procedures. The custodian in turn remits these fees to TFG. The custodial statement includes
the amount of any fees paid directly to TFG to manage the account. Clients may also choose to
be billed for TFG’s advisory fees and pay the fees by check. Tucker Financial Group also sends
quarterly invoices detailing the manner and amount of advisory fees to all clients. You should
compare the statement we send to your custodian/broker-dealer’s statement and verify the
calculation of fees. Your custodian/broker-dealer does not verify the accuracy of fees
calculations. If the account does not contain sufficient funds to pay advisory fees, TFG has
limited authority to sell or redeem securities in sufficient amounts to pay advisory fees. With the
exception of IRA accounts, clients may reimburse the account for advisory fees paid to TFG.

Fees are charged in advance on a quarterly basis, meaning that advisory fees for a quarter are
charged on the first day of the quarter. Clients may terminate investment advisory services
obtained from TFG, without penalty, upon written notice within five (5) business days after
entering into the advisory agreement with TFG. The client is responsible for any fees and
charges incurred by the client from third parties as a result of maintaining the account such as
transaction fees for any securities transactions executed and account maintenance or custodial
fees. Thereafter, the client may terminate advisory services upon written notice delivered to and
received by TFG. Clients who terminate investment advisory services during a quarter are
charged a prorated advisory fee based on the date of TFG’s receipt of client’s written notice to
terminate. Any earned but unpaid fees are immediately due and payable.

Financial Planning – Financial planning services are charged in arrears through a fixed fee
arrangement as agreed upon between the client and TFG. There will never be an instance where
$1200 or more in fees is charged six or more months in advance. Fees are negotiable and vary
depending upon the complexity of the client situation and services to be provided. Fixed fees are
$100 - $200 per plan. Similar financial planning services may be available elsewhere for a lower
cost to the client.

Clients may be invoiced monthly for all time spent by TFG as agreed upon by client or upon
completion of the services if more than a month. Clients who wish to terminate the planning
process prior to completion may do so with written notice. Upon receipt of written notification,
any earned fee will immediately become due and payable. A client may terminate an advisory
agreement without being assessed any fees or expenses within five (5) days of its signing.

Additional Fees and Expenses

In addition to advisory fees paid to TFG as explained above, clients may pay custodial service,
account maintenance, transaction, and other fees associated with maintaining the account. These
fees vary by broker and/or custodian. Clients should ask TFG for details on transaction fees or
other custodial fees specific to their account, as these fees are not included in the annual advisory
fee. TFG does not share any portion of such fees. Additionally, for any mutual funds purchased,
the client may pay their proportionate share of the funds’ distribution, internal management,
investment advisory and administrative fees. Such fees are not shared with TFG and are
compensation to the fund manager. Clients are urged to read the mutual fund prospectus prior to
investing.

Mutual fund companies impose internal fees and expenses on clients. These fees are in addition
to the costs associated with the investment advisory services as described above. Complete
details of such internal expenses are specified and disclosed in each mutual fund company’s
prospectus. Clients are strongly advised to review the prospectus(es) prior to investing in such
securities.

Mutual funds purchased or sold in broker-dealer accounts may generate transaction fees that
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Types of Clients

TFG offers investment advisory services to individuals, small businesses, pension and profit
sharing plans, and charitable organizations. There is no minimum amount required to open and
maintain an advisory account.

Form ADV, Part 2A, Item 8

Methods of Analysis, Investment Strategies, and Risk of Loss

TFG’s methods of analysis and investment strategies incorporate the client’s needs and
investment objectives, time horizon, and risk tolerance. TFG is not bound to a specific
investment strategy for the management of investment portfolios but considers the risk tolerance
levels determined at the account opening, as well as monitoring risk tolerance on an on-going
basis. Examples of methodologies that our investment strategies may incorporate include:

Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix
of asset classes and the efficient allocation of capital to those assets by matching rates of return
to a specified and quantifiable tolerance for risk.

Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed dollar amount
of securities at regularly scheduled intervals, regardless of the price per share. This will
gradually, over time, decrease the average share price of the security. Dollar-cost averaging
lessens the risk of investing a large amount in a single investment at the wrong time.

Technical Analysis – involves studying past price patterns and trends in the financial markets to
predict the direction of both the overall market and specific stocks.

Long-Term Purchases – securities purchased with the expectation that the value of those
securities will grow over a relatively long period of time, generally greater than one year.

Short-Term Purchases – securities purchased with the expectation that they will be sold within a
relatively short period of time, generally less than one year, to take advantage of the securities’
short-term price fluctuations.

Our strategies and investments may have unique and significant tax implications. Regardless of
your account size or other factors, we strongly recommend that you continuously consult with a
tax professional prior to and throughout the investing of your assets.

Investing in securities involves risk of loss that clients should be prepared to bear. Although we
manage your portfolio with strategies and in a manner consistent with your risk tolerances, there
can be no guarantee that our efforts will be successful. You should be prepared to bear the risk
of loss.

All investments involve the risk of loss, including (among other things) loss of principal, a
reduction in earnings (including interest, dividends, and other distributions), and the loss of
future earnings. These risks include market risk, interest rate risk, issuer risk, and general
economic risk. Regardless of the methods of analysis or strategies suggested for your particular
investment goals, you should carefully consider these risks, as they all bear risks.

Form ADV, Part 2A, Item 9