Vantage Financial Group Inc

Item 5 Fees and Compensation
Please refer to the "Advisory Business" section in this brochure for information on our advisory fees,
fee deduction arrangements, and refund policy according to each service we offer.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You will also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not
share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
custodian. To fully understand the total cost you will incur, you should review all the fees charged by
mutual funds, exchange traded funds, our firm, and others. For information on our brokerage practices,
please refer to the "Brokerage Practices" section of this brochure.

We may trade client accounts on margin. Each client must sign a separate margin agreement before
margin is extended to that client account. Fees for advice and execution on these securities are based
on the total asset value of the account, which includes the value of the securities purchased on margin.
While a negative amount may show on a client's statement for the margined security as the result of a
lower net market value, the amount of the fee is based on the absolute market value. This could create
a conflict of interest where we may have an incentive to encourage the use of margin to create a
higher market value and therefore receive a higher fee. The use of margin may also result in interest
charges in addition to all other fees and expenses associated with the security involved.

Compensation for the Sale of Securities or Other Investment Products
Persons providing investment advice on behalf of our firm are registered representatives with
Cetera Wealth Services LLC, a securities broker-dealer, and a member of the Financial Industry
Regulatory Authority and the Securities Investor Protection Corporation. In their capacity as registered
representatives, these persons will receive commission-based compensation in connection with the
purchase and sale of securities. Compensation earned by these persons in their capacities as
registered representatives is separate and in addition to our advisory fees. This practice presents a
conflict of interest because persons providing investment advice on behalf of our firm who are
registered representatives have an incentive to effect securities transactions for the purpose of
generating commissions rather than solely based on your needs. When appropriate, we may
recommend "no-load" funds. If we recommend funds that earn 12b-1 fees, the 12b-1 fees are credited
back to the client account. You are under no obligation, contractually or otherwise, to purchase
securities products through any person affiliated with our firm.

Additionally, some persons are registered as Investment Adviser Representatives ("IARs") for another
SEC Registered Investment Adviser. For information regarding an IAR's registration, please refer to
their brochure supplement (ADV Part 2B). In this capacity, they provide investment advisory services
for which they receive advisory fees. Advisory services and brokerage services are separate and
distinct, differ in material ways, and are governed by different standards of conduct. When acting as an
IAR, the individual is required to act in a fiduciary capacity, placing client's interests ahead of their
own. Clients may choose to obtain advisory services from other investment advisers.

Persons providing investment advice on behalf of our firm are licensed as independent insurance
agents. These persons will earn commission-based compensation for selling insurance products,
including insurance products they sell to you. Insurance commissions earned by these persons are

separate and in addition to our advisory fees. This practice presents a conflict of interest because
persons providing investment advice on behalf of our firm who are insurance agents have an incentive
to recommend insurance products to you for the purpose of generating commissions rather than solely
based on your needs. However, you are under no obligation, contractually or otherwise, to purchase
insurance products through any person affiliated with our firm.

Item 7 Types of Clients
We offer investment advisory services to individuals, trusts, estates, charitable organizations,
corporations, and other business entities, and various types of governmental agencies.

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, we have the right to terminate your Account if it falls below a minimum size which, in our sole
opinion, is too small to effectively manage.