Financial Guard’s annual investment advisory fee for providing services with respect to a client account
is 0.50% based on the account assets (the “Advisory Fee”), although we may, in our sole discretion, agree
to or set advisory fees that are different than the Advisory Fee (either lower or higher or flat fees that
do not depend on the account assets), or entirely waive such Advisory Fee, depending on specific circumstances
and/or nature of the relationship with a particular client. In addition, you will bear the fees and expenses
of the mutual funds and/or ETFs held in your account that are reflected in each such fund’s net asset value
per share (“NAV”). Mutual fund and ETF fees typically range from 0.01% to 1.10%, but may be higher or lower.
You can find information about the fees and expenses of a fund by referring to such fund’s prospectus available
at the custodian of your account.
If you deposit $10,000 into an account to be managed by us, we will deduct one fourth of the annual Advisory
Fee from your account following the end of each calendar quarter. If your account balance was still $10,000
at the end of a calendar quarter and you were invested for the full calendar quarter, the Advisory Fee owed
to us for that quarter would be $12.50. Please note, however, that the balance in your account may be higher
or lower than the $10,000 you originally invested based on the investment performance of the funds in your
account and, therefore, the quarterly Advisory Fee could also be lower or higher than $12.50 depending on
the investment performance of your account.
Additionally, you may be subject to custodian costs and fees associated with the maintenance of your account.
Information about the Advisory Fees and other costs and expenses that clients can expect to incur in connection
with their accounts is included in
Item 5
of Financial Guard’s Form ADV Disclosure Brochure available on our website at
www.FinancialGuard.com.