Other Compensation & Conflicts of Interest Disclosures

As your financial advisor, Cambridge Legacy Advisors, Inc. (“we”) may provide Financial Planning, Money Management and Wealth Management Services that include but are not limited to financial planning, consulting, product acquisition and plan implementation services. To the extent that we recommend, on a non-discretionary basis, certain money managers, investment vehicles and/or insurance programs, we will be paid for these services on an additional fee and/or commission basis. Commissions may be paid through our affiliated broker-dealer, Cambridge Legacy Securities, LLC and/or insurance agency, Cambridge Legacy Agency Group, Inc. We will also assess separate fees for specific money management programs. This additional commission and/or fee compensation may be viewed as a conflict of interest.

All investment vehicles, including alternative investment programs and insurance programs have various risk factors including liquidity constraints. We remain available to discuss all potential implementation alternatives, including but not limited to money managers, general securities, mutual funds, exchange traded securities, fixed income securities, annuities, life, disability, health and long-term care insurance programs as well as private investment programs.

THESE PROGRAMS ARE PROVIDED ON A NON-DISCRETIONARY BASIS AND WILL PROVIDE ADDITIONAL COMPENSATION TO THE AFFILIATED CAMBRIDGE LEGACY FIRMS AND MAY PROVIDE ADDITIONAL COMPENSATION TO YOUR INVESTMENT ADVISOR REPRESENTATIVE. THIS COMPENSATION MAY BE MORE OR LESS THAN WHAT OTHER FIRMS CHARGE FOR THE SAME OR SIMILAR SERVICES.

From time to time, our affiliated broker-dealer, Cambridge Legacy Securities, Inc., a member of FINRA, and our affiliated general insurance agency, Cambridge Legacy Agency Group, Inc., may receive marketing and/or due diligence payments, from investment product and insurance vendors who otherwise pay us commissions as described above, for the reimbursement of or to defray certain marketing and advertising expenses for some or all of the costs associated with certain activities including but not limited to sponsoring client events, seminars, or with due diligence trips, retreats, and/or meetings taken by financial advisors or other personnel affiliated with us to investigate and learn more about a vendor’s product that we may wish to offer to our clients. The above payments are in addition to the commission compensation that we may receive for the sale or purchase of any investment or insurance product and may be viewed as a conflict of interest.