Lindsey Adams Seagraves

For asset management, we charge an ongoing asset-based fee quarterly in advance. The fee is charged at the beginning of the quarter and is calculated as a percentage of the value of your account(s) as of the last business day of the previous quarter. The more assets in your advisory account, the more you will pay in fees, and we may therefore have an incentive to encourage you to increase the assets in your account. Each IAR has the ability to reduce this fee based on a client’s related accounts. Our wrap fee accounts are administered by Raymond James & Associates, Inc., member NYSE/SIPC. Fees are automatically deducted from client accounts by Raymond James who then remits the majority of the fee to Carson Advisory Group, withholding a portion of the fee for record keeping, tax reconciliation, performance reporting and execution and clearing charges. Separate from asset management, in some instances, we charge hourly rates and fixed fees for consulting services.

Other Fees and Costs: Some investments, such as mutual funds and ETFs, impose management fees that could reduce the value of your investments over time. You may also pay other fees to the custodian which could include but may not be limited to (1) certain dealer- markups and odd lot differentials, transfer taxes, exchange fees mandated by the Securities and Exchange Act of 1934 and any other charges imposed by law with regard to any transactions in the account; and (2) offering concessions and related fees for purchases of public offerings of securities should that occur. You may also incur charges for other account services provided by the custodian including, but not limited to, IRA custodial fees, safekeeping fees, interest charges on margin loans and/or securities-based lines of credit, and fees for legal or courtesy transfers of securities. For a complete list of account service charges, please contact us or visit: www.raymondjames.com/client-resources/client-account-fees-and-charges (Client Account Fees and Charges).

Additional Information: You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce the amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. More detailed information about our fees and costs are included in our Form ADV Part 2A (Fees and Compensation), at https://adviserinfo.sec.gov/firm/summary/117410.

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:

• Many of our IARs are also registered representatives of Raymond James Financial Services, Inc., member FINRA/SIPC or insurance agents appointed with an insurance company. Through Raymond James and/or the insurance company, our IARs can offer commission-based products for which they receive additional compensation. This additional compensation causes a conflict of interest as it provides an incentive to solicit commission-based products.

• Additionally, from time to time, insurance companies, mutual fund companies or the managers of mutual funds sponsor or pay for client luncheons, or other events that we host. These arrangements may give rise to conflicts, or perceived conflict of interest as we have an incentive to invest client assets in products managed or sold by the companies that provide such benefits to us.

• We also receive a portion of the margin interest charged to a client’s margin debit balance as part of a margin debit participation program with Raymond James, and a portion of the loan interest charged to a client under the custodian’s security-based lending program.

These arrangements and additional information about other conflicts of interest are discussed in more detail in our Form ADV Part 2A at https://adviserinfo.sec.gov/firm/summary/117410.

The compensation of our IARs consist of a portion of the advisory fee charged on your account(s). The portion paid to your financial professional generally does not vary based on the type of investments that are recommended. However, as described above, several of our IARs are also registered representatives of a broker-dealer and some are also independent insurance agents. When acting in these capacities, they will earn commissions.