Introduction
Financial Service Group, Inc. (FSG”) is registered with the Securities and Exchange Commission (SEC).Brokerage and investment advisory services and fees differ and it is important for you tounderstand these differences. Free and simple tools are available to research firms and financial professionals at www.investor.gov/CRS, which also provides educational material about broker-dealers, investment advisers, and investing.

What investment services and advice can you provide me?
We offer investment advisory services to retail investors. We provide financial planning services, in which we provide advice and recommendations regarding your personal investment goals and objectives, personal balance sheet, tax planning, risk management, retirement, education, cash flow and investment planning. When providing financial planning services as part of our Limited Retainer Services, we do not monitor your investments and you make the ultimate decision regarding the purchase and sale of investments. We also provide portfolio management services that we offer on a discretionary basis according to the authority you provide in an investment advisory agreement with us.

When you grant us discretionary authority, you provide us with authority to determine the investments to buy and sell in your account on an ongoing basis. You may impose reasonable restrictions on our discretionary authority, which must be provided to us in writing and accepted by us. As part of our portfolio management services, we will continuously monitor your investments and provide advice. At the clients’ discretion, FSG will prepare the clients’ personal income tax return (for Limited Retainer clients, there is a separate fee). Our services also include the recommendation or selection of other investment advisers. We require a minimum annual fee.

Additional information about our services can be found in ADV Part 2A, Items 4 and 7.

Ask your financial professional…
o Given my financial situation, should I choose an investment adviser service? Why or why not?
o How will you choose investments to recommend to me?
o What is your relevant experience, including your licenses, education and other qualifications?
o What do these qualifications mean?

What fees will I pay?
We charge a Relationship Fee based on a net worth & income formula, dependent on the service provided. These fees are assessed and fixed for at least 24 months and billed in quarterly installments. The fee will then be recalculated based on the components of the formula.

For our Elder Life Planning Service, we charge an hourly or day rate, depending on the specific needs of the client.

Examples of the most common fees and costs applicable to retail investors include custodian fees, account maintenance fees, fees related to mutual funds and variable annuities, and other transactional fees and product-level fees.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 investments over time. Please make sure you understand what fees and costs you are paying.
Please refer to firm’s ADV Part 2, Item 5 for additional information regarding our fees.

Ask your financial professional: Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

What are your legal obligations to me when providing recommendations as my investment adviser? How else does your firm make money and what conflicts of interest do you have?

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 is an example to help you understand what this means. FSG allows our employees to purchase or sell the same securities that may be recommended to and purchased on behalf of clients. Owning the same securities we recommend (purchase or sell) for you presents a potential conflict of interest that, as fiduciaries, we must disclose to you and mitigate through policies and procedures.

Ask your financial professional: How might your conflicts of interest affect me, and how will you address them?

How do your financial professionals make money?
Our financial professionals are compensated based on the amount of advisory fees paid by their clients.

Do you or your financial professionals have legal or disciplinary history?
No. Please visit www.investor.gov/CRS for a free and simple search tool to research your financial professionals.

Ask your financial professional: As a financial professional, do you have any disciplinary history? For what type of conduct?

Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?

Additional information about Financial Service Group’s service and to request a copy of ADV Part 3 (Form CRS), please contact us at (262) 554-4500.