John Michael Johnson

Annual fees for advisory services are assessed quarterly in arrears, tiered and based upon a percentage of the average daily balance of the fair market value of the assets being advised. There are minimum fees that apply to Client relationships. Paying minimum fees will result in a fee percentage greater than the published fee schedule.

The more assets there are in your advisory account, the more you will pay in fees, and the firm has an incentive to encourage you to increase the assets in your account.

Where it is determined to be applicable, fixed-fee arrangements are available. Exceptions to the published fee schedule will be considered on an individual case basis. Additional details are located in our ADV which was provided to you.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investment over time. Please make sure you understand fees and costs you are paying.

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means:

We have an affiliated broker-dealer which provides insurance products, which creates a conflict for us if you purchase insurance through our affiliate. We also are affiliated with a trust bank. Engaging their services also presents a potential conflict of interest.

Although we do not sell proprietary products, receive incentive compensation or revenue sharing for recommending third-party products or receive income from proprietary trading, we may receive benefits from custodians that we recommend, such as compliance tools and reimbursement for attendance at sponsored events. Additional information can be found in our ADV.

professionals make money? Our professionals are paid a base salary with a performance based bonus. They do not receive differential compensation based on the products sold or product sales commissions.