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BAMG provides trusted counsel to Qualified Retirement Plans working with retirementplan sponsors to efficiently design your plan and ensure that it is high functioning towardsthe objective of making successful retirees out of your people.As an investment fiduciary, we work closely with your investment committee to create andmanage a retirement plan that reduces your fiduciary risk, utilizes the lowest-cost strategythat will accomplish the job, provides completely transparent and full fee disclosure, andemphasizes defined and continuous participant education.BAMG brings completely tailored investment counsel and education to fiduciaries andplan participants. Our solutions involve the creation of customized investment strategiesusing the lowest cost available share classes of institutional quality investments.Presentation Services and Special ProjectsWe have provided educational programs to organizations and associations for more than25 years. BAMG offers keynote speaking on a variety of topics such as behavioraleconomics, asset location and allocation principles, avoiding the six most commoninvestment mistakes, how to integrate active and passive management in a portfolio, taxstrategies to help you keep more of what your investments earn, determining anappropriate lifestyle and the means of funding it, understanding global capital markets,and how to talk to your heirs about money.We also provide two to eight hour programs on understanding personal finance. Theseprograms typically include education, materials and action plans in the areas of financialgoal setting, net worth analysis, investment types and uses, portfolio design and assetallocation, financial independence, income generation, savings and cash flow strategies,insurance needs analysis, estate planning concepts, and educational funding strategies.We provide all necessary equipment and materials and can tailor our comments to theneeds of your organization or group.As of December 31, 2021, we had approximately 824,262,371 of assets undermanagement on a discretionary basis and 34,671,266 on a non-discretionary basis.5

Item 5 – Fees and CompensationFee SchedulesBAMG’s fee schedule is based on the market value of the client’s portfolio. The feeschedule is as follows:Mosaic Wealth Management & Institutional AdvisoryPortfolio ValueFirst 3,000,000Next 3,000,000Next 4,000,000Over 10,000,000Annual Fee*1.00%0.80%0.60%0.40%*Subject to a Minimum Quarterly Fee of 5,000BrandConnectSMPortfolio ValueOver 250,000Annual Fee0.85%Payment of FeesThe fee for investment management will be based on the ending value of the account onthe last business day of the previous quarter and is payable quarterly in advance. Thefirst advisory fee will be assessed on a pro-rata basis taking into account the time forwhich the account was not managed by BAMG and the time left in the quarter. Intraquarter fee adjustments are made when deposits or withdrawals are significant. Fees,including the minimum quarterly fee, are negotiable. While this fee schedule is typical,negotiability of fees will be based on such factors as services you require, type of assetsheld in the account, prior relationships and related account holdings, and intention to haveus manage additional assets in the future.Fees are automatically deducted from the account pursuant to the advisory agreement.You will be provided with a quarterly statement from the account custodian reflectingdeduction of the advisory fee. Non BrandConnect accounts can terminate our ability toautomatically deduct our fees from your account by giving us at least 30 days writtennotice.6

Termination of ContractsThe advisory agreement may be terminated by either party at any time by written notice.Fees paid in advance will be prorated to the date of termination and any unearned portionof the fee will be refunded to the client.We provide applicable disclosure brochure(s) or the Form ADV Part 2 (including FormCRS) to you and prospective clients before or at the time you enter into an advisorycontract.Mosaic Wealth Management The Mosaic option is a turnkey wealth management service allowing advisory clients topay one fee that can include BAMG’s advisory services, most routine estate planning,and accounting services under an arrangement established by BAMG with a certifiedpublic accounting firm and a law firm.BrandConnectSMAs described in Item 4 Advisory Business, clients do not pay fees to SPT or brokeragecommissions or other fees to CS&Co. as part of the Program, but we charge clients a feefor our services as described above. Our fees are not set or supervised by Schwab.Schwab does receive other revenues, including (i) the profit earned by Charles SchwabBank, SSB, a Schwab affiliate, on the allocation to the Schwab Intelligent PortfoliosSweep Program described in the Schwab Intelligent Portfolios Sweep ProgramDisclosure Statement; (ii) investment advisory and/or administrative service fees (orunitary fees) received by Charles Schwab Investment Management, Inc., a Schwabaffiliate, from Schwab ETFs Schwab Funds and Laudus Funds that we select to buyand hold in the client’s brokerage account; (iii) fees received by Schwab from mutualfunds in the Schwab Mutual Fund Marketplace (including certain Schwab Funds andLaudus Funds) in the client’s brokerage account for services Schwab provides; and (iv)remuneration Schwab receives from the market centers where it routes ETF trade ordersfor execution. Brokerage arrangements are further described in Item 12 BrokeragePractices.Presentation Services and Special ProjectsPresentation services and project assistance fees are negotiable and charged as a flatfee on a case-by-case basis, depending on the nature and complexities of the serviceprovided. Prior to the commencement of services, you and BAMG will enter into a writtenagreement that sets forth the terms and conditions of the engagement, describes the7

scope of the services to be provided, and the portion of the fee that is due from you priorto our commencing and upon finalizing services.Additionally, at times clients require special assistance with projects on an “ad hoc” basisfor which BAMG charges a fixed fee. Project assistance fees are negotiable, dependingon the nature and complexities of the service provided, and are agreed upon in advancewith you.Additional Information Concerning FeesBelow are general characteristics regarding “other” fees incurred, payment of fees, andtermination of contracts that will affect your account(s). All clients retain BAMG by entering into a written agreement for services, whichcontains a more complete discussion and disclosure regarding the Account’s servicesand fee structure. By mutual consent, these fee schedules will be modified to reflect specialcircumstances. For purpose of fee calculation, certain accounts are aggregated. The advisory fee does not cover charges imposed by third parties for investments heldin the Account, such as contingent deferred sales charges or 12b-1 trails on mutualfunds. In addition, investment advisers to mutual funds charge asset managementfees, which are in addition to the advisory fees charged by us. The fees charged bysuch funds are disclosed in each fund’s prospectus or current offering materials. BAMG’s advisory fee does not cover debit balances or related margin interest,commissions, or SEC fees or other fees or taxes required by law. You could invest in a mutual fund directly, without our services. In that case, you wouldnot receive the services provided by us which are designed, among other things, toassist in determining which mutual fund or funds are most appropriate for yourfinancial condition, goals, and objectives. Accordingly, you should review both the feescharged by the funds and the fees charged by us to fully understand the total amountof fees to be paid and to thereby evaluate the advisory services being provided. Advisory recommendations are based on your financial situation at the time theservices are provided and are based on financial information disclosed by you. Weincorporate information about trends and performance of securities, the market andthe economy into our recommendations, which are designed toward meeting yourspecific goals, objectives, and needs. Past performance is in no way an indication offuture performance. As your financial situation, goals, objectives, or needs change,you must notify us promptly.8

Item 6 – Performance-Based Fees and Side-By-Side ManagementWe do not charge advisory fees on a share of the capital gains or capital appreciation ofthe funds or securities in a client account (so-called performance based fees). Ourcompensation structure is disclosed in detail in Item 5 Fees & Compensation above.9

Item 7 – Types of ClientsMosaic Wealth Management and Institutional Advisory ClientsWe provide investment advisory services to individuals including high net worthindividuals, trusts and estates, pension and profit sharing plans, charitable organizations,and corporations. New clients accepted for management will generally have assets undermanagement in excess of 2 million. We can waive this minimum account size at ourdiscretion. Such factors involved in our determination to waive the minimum account sizeinclude, but are not limited to, services you require, type of assets held in the account,prior relationships and related account holdings, and intention to have us manageadditional assets in the future. BAMG also has the discretion to waive the requirementthat this minimum account size be maintained.BrandConnectSM ClientsClients eligible to enroll in the Program include individuals, IRAs and revocable livingtrusts. Clients that are organizations (such as corporations and partnerships) orgovernment entities, and clients that are subject to the Employee Retirement IncomeSecurity Act of 1974, are not eligible for the Program. The minimum investment requiredto open an account in the Program is 250,000. We can waive this minimum accountsize at our discretion. Such factors involved in our determination to waive the minimumaccount size include, but are not limited to, services you require, type of assets held inthe account, prior relationships and related account holdings, and intention to have usmanage additional assets in the future. The minimum required account balance formaintenance of an account and automatic rebalancing is 5,000. The minimum requiredaccount balance to enroll in the tax-loss harvesting feature is 50,000.10

Item 8 – Methods of Analysis, Investment Strategies and Risk of LossAs described in Item 4 Advisory Business above, our investment strategies at timesinclude long term buy and hold strategies and rarely if ever short-term trading strategiesand incorporate margin transactions.We use strategic allocation principles to evaluate your overall allocation and we comparethis to target allocations designed to better achieve your investment objectives. We willassist you in repositioning investments from existing portfolio positions. Evaluation ofindividual issues, mutual funds, portfolio managers, etc., will be drawn from internal teammembers and a variety of third party sources believed to be, but not guaranteed, reliable.Pre-existing investment vehicles may be utilized in the building and maintaining of clientportfolios. For example, investments owned by clients prior to, or since, retaining ourservices, if deemed suitable, will be retained in the portfolios. Similarly, assets that forreasons of income tax liabilities, surrender penalties, etc., which are deemed appropriate,will be retained.As noted above, our Advisors at times incorporate margin transactions for client’saccounts. The use of margin will result in interest charges as well as all other fees andexpenses associated with the security or account involved, including our advisory fees.There are inherent risks involved for each investment strategy or method of analysis weuse and the particular type of security we recommend. Investing in securities involves riskof loss which you should be prepared to bear. Market Risk. Prices of securities in which an account invests tend to be volatile inresponse to certain events taking place around the world, including: those directlyinvolving the companies whose securities are owned by an account; conditionsaffecting the general economy; overall market changes; local, regional or globalpolitical, social or economic instability; and currency, interest rate and commodity pricefluctuations. Clients should have a long-term perspective and be able to toleratepotentially sharp declines in market value. Equity Risk. Equity securities tend to be more volatile than other asset classes. Thevalue of an individual stock, mutual fund, or ETF can be more volatile than the marketas a whole. This volatility affects the value of the client’s overall portfolio. Small- andmid-cap companies are subject to additional risks. Smaller companies tend toexperience greater volatility, higher failure rates, more limited markets, product lines,financial resources, and less management experience than larger companies. Fixed Income Risk. The issuer of a fixed income security may not be able to makeinterest and principal payments when due. Generally, the lower the credit rating of a11

security, the greater the risk that the issuer will default on its obligation. If a ratingagency gives a debt security a lower rating, the value of the debt security tends todecline because investors demand a higher rate of return. As nominal interest ratesrise, the value of fixed income securities is likely to decrease. A nominal interest rateis the sum of a real interest rate and an expected inflation rate. Junk Bond Risk. A client’s portfolio may be invested in mutual funds and ETFs thatare subject to greater levels of interest rate and credit risk as a result of such funds’investments in high-yield securities and unrated securities of similar credit quality(commonly known as “junk bonds”) than funds that do not invest in such securities.Junk bonds are considered predominately speculative with respect to the issuer’scontinuing ability to make principal and interest payments. An economic downturn orperiod of rising interest rates could adversely affect the market for these securitiesand reduce the client’s ability to sell these securities (liquidity risk). If the issuer of asecurity is in default with respect to interest or principal payments, the client’s portfoliomay lose its entire investment. Mutual Fund and ETF Risk. Open-end and closed-end mutual funds and ETFs investin a broad range of equity and fixed income securities, including foreign securities andsecurities of issuers located in emerging markets. Underlying funds also invest inequity securities of any market capitalization including micro-, small- and mid-capcompanies, real estate, commodities-related assets, fixed income securities of anymaturity or credit quality, including high-yield, high-risk debt securities, and theyengage in leveraged or derivative transactions. We have no control over theinvestment strategies, policies, or decisions of the underlying funds and, in the eventof dissatisfaction with such a fund, our only option would be to liquidate clients’investments in that fund. Mutual funds and ETFs charge their own management feesand expenses, which can be duplicative. Interval Fund Risk. Interval funds tend to be heavily invested in illiquid assets thatcannot be quickly sold at fair market price. Funds invested in whole loans and otheralternative lending-related securities have values dependent on the borrowers’continued and timely payments. If the borrower fails to make interest payments orrepay principal when due on a loan in which the fund has investment exposure, thevalue of the fund’s investments will be adversely affected. There can be no assurancethat payments due on underlying loans will be made. Funds invested in private growthcompanies can adversely affect the determination of the fund’s valuation sinceinvestments are generally not in publicly traded securities which causes uncertaintyregarding the fair market value of the investments. Mutual funds and ETFs chargetheir own management fees and expenses, which can be duplicative. We stronglyurge clients to carefully review the funds’ prospectus for a clear understanding of therisks involved with these investments. Cryptocurrency. BAMG does not recommend to its clients that they invest incryptocurrency. Cryptocurrency is any form of virtual currency that uses adecentralized ledger to record transactions and manage the issuance of new units.Cryptocurrency is part of an emerging marketplace and is highly speculative.12

Investing in cryptocurrency is for investors who can bear the economic risk of loss oftheir investments. As with all investments, past performance or price movements arenot guarantees of future price movements. Cryptocurrency investing is volatile andinvolves a high degree of risk. Risks associated with investing in cryptocurrencyinclude, but are not limited to, investment risk, volatility risk, liquidity risk, risks ofdisruption or interruption of access to your account, custody risk, regulatory risk, andcybersecurity breaches. Cryptocurrencies are not legal tender and not backed by thegovernment. Legislation and regulation (or lack thereof) of cryptocurrency or cryptoexchanges can change any time which may adversely affect the use, transfer,exchange, and/or value of cryptocurrencies. Once executed, a cryptocurrencytransaction may be irreversib

allocation to the Schwab Intelligent Portfolios Sweep Program described in the Schwab Intelligent Portfolios Sweep Program Disclosure Statement; (ii) investment advisory and/or administrative service fees (or unitary fees) received by Charles Schwab Investment Management, Inc., a Schwab affiliate, from Schwab ETFs Schwab Funds