Turning Point Benefit Group Inc

Item 5: Fees and Compensation
Turning Point Financial receives compensation in the following ways: Investment advisory fees, asset
management fees (for those clients who use Turning Point Financial model portfolio and custom
managed strategies), financial planning fees (hourly or fixed fees, depending on the specific financial
planning engagement), insurance commissions and tax and/or accounting service fees (to include tax
preparation, business planning / valuation services, accounting / bookkeeping services, etc.). If client

assets are placed in mutual funds and/or unit investment trusts, these funds pay management fees to
the outside investment advisers managing the assets of the funds and other fees, expenses, and
charges. The management fee and other fees, expenses and charges are paid by the funds to their own
service providers and are separate and distinct from the fees paid to us and are not received by us. For
our advisory clients, we generally use mutual fund share classes that do not have sales charges. If we
utilize front-end loaded mutual funds ("A Shares"), they are placed in the client’s account at net asset
value (NAV) or no-load cost. We do not receive front end load fees from client mutual fund shares.

From time to time Turning Point clients may require transactions that will involve custodial fees or fund fees
for services executed in their account. These fees are in accordance with the custodian’s fee schedule and are
not part of the revenue paid to Turning Point. Additionally, clients may pay other fees from time to time to
maintain their account. Such fees are not charged by Turning Point but could theoretically be outside fees
charged by a product, broker/dealer, or account custodian. For example, some Investment Adviser
Representatives are also licensed as insurance agents and may receive commission from outside
recommendations with insurance companies. Please see form ADV for those IARs who are licensed as
insurance agents.

In such capacities, our investment adviser representatives can recommend to clients that they purchase
insurance products upon which they may receive commissions and other compensation. If Turning Point
advisors who are insurance licensed make recommendations to clients for the purchase of insurance
products, clients will pay normal and customary insurance product fees for the purchase of the product.
A potential conflict of interest may be deemed to exist because our investment adviser representatives
may receive commissions and other compensation as a result of such recommendations. While this may
be true, Turning Point advisors’ endeavor at all times to act in the best interests of their clients, and
recommendations to purchase insurance products are only made when they feel it is in the best interest
of a client.
Clients have no obligation to acquire any securities or insurance product recommended by us through
our representatives. Clients have the option to purchase investment products we recommend through
other service providers unaffiliated with us. We allow our clients to determine, in their sole discretion,
whether and through whom such products are acquired.
When providing a consolidated financial summary of accounts (Net Worth Statement, Balance Sheet,
etc.) to Clients, data included may contain information about accounts for which Turning Point does not
manage or advise the Client. As such, no inference should be made that Turning Point serves as the
adviser on all securities listed in these consolidated financial summaries. Turning Point will not actively
supervise assets unless it is granted discretionary authority to manage or supervise such assets.
The sole business of Turning Point is that of providing financial planning, investment advisory services,
asset management, and tax/accounting services described herein. However, to provide comprehensive
financial planning services, Turning Point may, from time to time, utilize other professionals from whom
clients may receive specific advice.
Occasionally, Turning Point may feel it is appropriate to refer clients to other professionals from whom
certain services may be received as part of a comprehensive approach to financial planning. Examples
of these other professionals include attorneys or outside accountants. Turning Point makes these
referrals as a convenience to clients only and neither Turning Point nor its Associates are compensated

for these referrals. Clients are not obligated to work with the professionals to whom Turning Point may
refer them, and they do so at their sole discretion. Turning Point is not responsible or liable for any
services provided by these outside professionals. Turning Point’s use of these other professionals will
not affect the total fee paid by a client, expect in the case of multi-service discounts offered for using
multiple in-house services. Clients may also engage these other professionals directly, at their own
expense, and these arrangements would be separate and distinct from the financial planning services
provided by Turning Point. Turning Point has specific business relationships with several legal
professionals who provide synergy in the Client's overall financial planning experience.
Other Services - Compensation
Turning Point may receive indirect compensation from third parties in the form of marketing support for client
events or company due diligence meetings. Such compensation is a conflict of interest in that Turning Point
may have incentive to recommend the services or products provided by such third-party. While this may be
the case, Turning Point always endeavors to act in the best interest of clients and therefore,
recommendations are made only when the firm and its advisors or associates feel it is appropriate for a
client.
At the sole discretion of the owners of Turning Point, the firm may compensate Turning Point employees
...

Item 7: Types of Clients
Turning Point generally provides advisory services to the following types of clients:
              •   Individuals and Their Families
              •   Entrepreneurial Business Owners
              •   High-Net-Worth Individuals
              •   Pension and profit-sharing plans
              •   Other Investment Advisers
There is no investment account minimum for any of Turning Point Financial’s services.