A. Description of the Advisory Firm
B. Types of Advisory Services
Services Limited to Specific Types of Investments
GFG generally limits its investment advice to mutual funds, fixed income securities, real estate funds
(including publicly traded REITs), equities, ETFs (including ETFs in the gold and precious metal
sectors), treasury inflation protected/inflation linked bonds and non-U.S. securities. GFG may use other
registered securities to help diversify a portfolio when applicable.
GFG offers the same suite of services to all its clients. However, specific client investment strategies
and their implementation are dependent upon the client Investment Policy Statement which outlines
each client’s current situation (income, tax levels, and risk tolerance levels). Clients may impose
restrictions in investing in certain securities or types of securities in accordance with their values or
beliefs. However, if the restrictions prevent GFG from properly servicing the client account, or if
the restrictions would require GFG to deviate from its standard suite of services, GFG reserves the
right to end the relationship.
GFG participates in wrap fee programs, which are investment programs where the investor pays
one stated fee that includes management fees, transaction costs, and other administrative fees.
GFG manages the investments in the wrap fee program but does not manage wrap fee accounts any
differently than non-wrap fee accounts. Wrap fee accounts may be more or less expensive based on
trading activity within your account compared to a non-wrap/transaction fee-based account. Fees paid
under the wrap fee program will be billed by GFG as a management fee. Please see our ADV 2A,
Appendix 1 (Wrap Fee Brochure) for additional information.
GFG uses the value of the account as of the close of last business day of the billing period, after
considering deposits and withdrawals, for purposes of determining the market value of the assets
upon which the advisory fee is based for its wrap programs.
GFG has the following assets under management:
Discretionary Amount: Non-discretionary Amount: Date Calculated:
$557,220,887.18 $ 0 As of 4/30/2024
GFG also offers financial planning services on an agreed upon one-time fee or an hourly basis. All fees
and terms are outlined in the GFG Financial Planning Agreement.
C. Client Tailored Services and Client Imposed Restrictions
D. Wrap Fee Programs
E. Assets Under Management
F. Financial Planning Consulting
The following are the fee schedules assessed to accounts using Goldstone Financial
Group, LLC for
portfolio management investment advisory services:
Charles Schwab (formerly TD Ameritrade) Accounts:
Charles Schwab
Standard Transaction-Based Portfolio
Management Service Fees
Charles Schwab
Standard Wrap-Based Portfolio
Management Service Fees
Total Client Assets
Under Advisory
Management
Total Annual
Management Fee
Total Client Assets
Under Advisory
Management
Total Annual
Management Fee
First $1,000,000 1.20%
First $500,000
1.50%
Next $1,000,000 to
$3,000,000
0.90%
Next $500,001 to
$1,000,000
1.20%
$3,000,000+ 0.65%
Next $1,000,000+
0.95%
Fidelity Accounts:
Fidelity Transaction-Based Account
Management Service Fees
Total Client Assets
Under Advisory
Management
Goldstone Annual
Management Fee
Sub-Adviser Annual
Management Fee
Total Annual
Management Fee
First $1,000,000 1.20% 0.10% 1.30%
Next $1,000,000 to
$3,000,000
0.90% 0.10% 1.00%
$3,000,000+ 0.65% 0.10% 0.75%
Wrap-Based Portfolio Management is only available with GFG with its custodian Charles Schwab. This
will limit the available models and strategies for clients opting to use Fidelity to custody their accounts.
For accounts utilizing a wrap-based program, GFG will wrap all fees (i.e., custodian fees, brokerage
fees, transaction fees, third-party fees, etc.) within the annual management fee assessed to the client.
For any Transaction-Based portfolios the client may be charged trade transaction fees assessed by the
custodian directly to the account at the time of the transaction depending on the investment product
being traded. In addition, fees assessed by the custodian may also be charged to a Transaction-Based
account that would not be charged to a Wrap-Based account. All transaction fees are determined by the
custodian’s respective fee schedules and available on request. If a client opts to utilize a Transaction-
Based portfolio, the client will be responsible for all fees assessed by the custodian directly to the
account. Please note, the custodians used by GFG offer reduced transaction fees on certain types of
trades to clients who opt to receive trade confirmations and/or monthly statements electronically in lieu
of paper copies sent by physical mail. For additional information, please review the custodian’s fee
schedules and discuss with your representative.