ࡱ> q` bjbjqPqP 4::#frrr8 _If\@|~@I7K7K7K7A7D?DH$uKhM8H[[[8HI[I7[I7Z PVr]3/I0_I>NN4NXh08H8HsR_I[[[[ / 4 Xb FORM ADVUniform Application for Investment Adviser RegistrationPart II - Page 1 Name of Investment Adviser: Garnet Group, LLCAddress: (Number and Street) (City) (State) (Zip Code)Area Code: Telephone Number:One Democracy Plaza, 6701 Democracy Blvd #505Bethesda MD20817(301) 564-3000 This part of Form ADV gives information about the investment adviser and its business for the use of clients. The information has not been approved or verified by any government authority. Table of Contents Item NumberItemPage1Advisory Services and Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22Types of Clients . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23Types of Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34Methods of Analysis, Sources of Information and Investment Strategies . . . . . . 35Education and Business Standards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46Education and Business Background . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47Other Business Activities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48Other Financial Industry Activities or Affiliations . . . . . . . . . . . . . . . . . . . . . . . . 49Participation or Interest in Client Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . 510Conditions for Managing Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 511Review of Accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 512Investment or Brokerage Discretion . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 613Additional Compensation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 614Balance Sheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6Continuation Sheet . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Schedule FBalance Sheet, if required. . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . .. . Schedule G FORM ADVApplicant:SEC File Number:Date:Part II - Page 2Garnet Group, LLC801- 05/01/2007 Definitions for Part IIRelated person - Any officer, director or partner of applicant or any person directly or indirectly controlling, controlled by, or under common control with the applicant, including any non-clerical, non-ministerial employee.Investment Supervisory Services - Giving continuous investment advice to a client (or making investments for the client) based on the individual needs of the client. Individual needs include, for example, the nature of other client assets and the clients per- sonal and family obligations. 1.A.Advisory Services and Fees. (check the applicable boxes)For each type of service provided, state the approximate % of total advisory billings from that service.  FORMTEXT Approx.Applicant:(See instruction below.) FORMCHECKBOX (1)Provides investment supervisory services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . 62.5% FORMCHECKBOX (2)Manages investment advisory accounts not involving investment supervisory services . . . . . . . . . . . . . . . . . . .  % FORMCHECKBOX (3)Furnishes investment advice through consultations not included in either service described above . . . . . . . . . . % FORMCHECKBOX (4)Issues periodicals about securities by subscription . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  FORMTEXT    % FORMCHECKBOX (5)Issues special reports about securities not included in any service described above . . . . . . . . . . . . . . . . . . . . .  FORMTEXT    % FORMCHECKBOX (6)Issues, not as part of any service described above, any charts, graphs, formulas, or other devices which clients may use to evaluate securities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . .   FORMTEXT    % FORMCHECKBOX (7)On more than an occasional basis, furnishes advice to clients on matters not involving securities . . . . . . . . . . . 37.5% FORMCHECKBOX (8)Provides a timing service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % FORMCHECKBOX (9)Furnishes advice about securities in any manner not described above . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . % (Percentages should be based on applicants last fiscal year. If applicant has not completed its first fiscal year, provide estimates of advisory billings for that year and state that the percentages are estimates.) B. Does the applicant call any of the services it checked above financial planning or some similar term? . . . . . . . . . . . Yes  FORMCHECKBOX No  FORMCHECKBOX C.Applicant offers investment advisory services for: (check all that apply): FORMCHECKBOX (1)A percentage of assets under management FORMCHECKBOX (4)Subscription fees FORMCHECKBOX (2)Hourly charges FORMCHECKBOX (5)Commissions FORMCHECKBOX (3)Fixed fees (not including subscription fees) FORMCHECKBOX (6)OtherD.For each checked box in A above, describe on Schedule F:lthe services provided, including the name of any publication or report issued by the adviser on a subscription basis or for a feelapplicant s basic fee schedule, how fees are charged and whether its fees are negotiablelwhen compensation is payable, and if compensation is payable before service is provided, how a client may get a refund or may terminate an investment advisory contract before its expiration date2.Types of Clients - Applicant generally provides investment advice to: (check those that apply) FORMCHECKBOX A.Individuals FORMCHECKBOX E.Trusts, estates, or charitable organizations FORMCHECKBOX B.Banks or thrift institutions FORMCHECKBOX F.Corporations or business entities other than thoselisted above FORMCHECKBOX C.Investment companies FORMCHECKBOX G.Other (describe on Schedule F) FORMCHECKBOX D.Pension and profit sharing plans  FORM ADVApplicant:SEC File Number:Date:Part II - Page 3Garnet Group, LLC801- 05/01/2007 3.Types of Investments. Applicant offers advice on the following: (check those that apply)A.Equity Securities FORMCHECKBOX H.United States government securities FORMCHECKBOX (1) exchange-listed securities FORMCHECKBOX (2) securities traded over-the-counterI.Options contracts on: FORMCHECKBOX (3) foreign issues FORMCHECKBOX (1) securities FORMCHECKBOX (2) commodities FORMCHECKBOX B.WarrantsJ.Futures contracts on: FORMCHECKBOX C.Corporate debt securities FORMCHECKBOX (1) tangibles(other than commercial paper) FORMCHECKBOX (2) intangibles FORMCHECKBOX D.Commercial paperK.Interests in partnerships investing in: FORMCHECKBOX (1) real estate FORMCHECKBOX E.Certificates of deposit FORMCHECKBOX (2) oil and gas interests FORMCHECKBOX (3) other (explain on Schedule F) FORMCHECKBOX F.Municipal securities FORMCHECKBOX L.Other (explain on Schedule F)G.Investment company securities FORMCHECKBOX (1) variable life insurance FORMCHECKBOX (2) variable annuities FORMCHECKBOX (3) mutual fund shares4.Methods of Analysis, Sources of Information, and Investment Strategies.A.Applicants security analysis methods include: (check those that apply)(1) FORMCHECKBOX  Charting(4) FORMCHECKBOX  Cyclical(2) FORMCHECKBOX  Fundamental(5) FORMCHECKBOX  Other (explain on Schedule F)(3) FORMCHECKBOX  TechnicalB.The main sources of information applicant uses include: (check those that apply)(1) FORMCHECKBOX  Financial newspapers and magazines(5) FORMCHECKBOX  Timing services(2) FORMCHECKBOX  Inspections of corporate activities(6) FORMCHECKBOX  Annual reports, prospectuses, filings with the Securities and Exchange Commission(3) FORMCHECKBOX  Research materials prepared by others(7) FORMCHECKBOX  Company press releases(4) FORMCHECKBOX  Corporate rating services(8) FORMCHECKBOX  Other (explain on Schedule F)C.The investment strategies used to implement any investment advice given to clients include: (check those that apply)(1) FORMCHECKBOX  Long term purchases(5) FORMCHECKBOX  Margin transactions (securities held at least a year)(2) FORMCHECKBOX  Short term purchases(6) FORMCHECKBOX  Option writing, including covered options, (securities sold within a year) uncovered options or spreading strategies(3) FORMCHECKBOX  Trading (securities sold within 30 days)(7) FORMCHECKBOX  Other (explain on Schedule F)(4) FORMCHECKBOX  Short sales FORM ADVApplicant:SEC File Number:Date:Part II - Page 4Garnet Group, LLC801- 05/01/2007 5.Education and Business Standards.Are there any general standards of education or business experience that applicant requires of those involved in determining or giving investment advice to clients? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Yes  FORMCHECKBOX No  FORMCHECKBOX (If yes, describe these standards on Schedule F.)6.Education and Business Background.For:leach member of the investment committee or group that determines general investment advice to be given to clients, orlif the applicant has no investment committee or group, each individual who determines general investment advice given to clients (if more than five, respond only for their supervisors)leach principal executive officer of applicant or each person with similar status or performing similar functions.On Schedule F, give the:lnamelformal education after high schoollyear of birthlbusiness background for the preceding five years7.Other Business Activities. (check those that apply) FORMCHECKBOX A.Applicant is actively engaged in a business other than giving investment advice. FORMCHECKBOX B.Applicant sells products or services other than investment advice to clients. FORMCHECKBOX C.The principal business of applicant or its principal executive officers involves something other than providing investment advice.(For each checked box describe the other activities, including the time spent on them, on Schedule F.)8.Other Financial Industry Activities or Affiliations. (check those that apply) FORMCHECKBOX A.Applicant is registered (or has an application pending) as a securities broker-dealer. FORMCHECKBOX B.Applicant is registered (or has an application pending) as a futures commission merchant, commodity pool operator or commodity trading adviser.C.Applicant has arrangements that are material to its advisory business or its clients with a related person who is a: FORMCHECKBOX (1) broker-dealer FORMCHECKBOX (7) accounting firm FORMCHECKBOX (2) investment company FORMCHECKBOX (8) law firm FORMCHECKBOX (3) other investment adviser FORMCHECKBOX (9) insurance company or agency FORMCHECKBOX (4) financial planning firm FORMCHECKBOX (10) pension consultant FORMCHECKBOX (5) commodity pool operator, commodity trading FORMCHECKBOX (11) real estate broker or dealer adviser or futures commission merchant FORMCHECKBOX (12) entity that creates or packages limited partnerships FORMCHECKBOX (6) banking or thrift institution(For each checked box in C, on Schedule F identify the related person and describe the relationship and the arrangements.)D.Is applicant or a related person a general partner in any partnership in which clients are solicited to invest? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Yes  FORMCHECKBOX No  FORMCHECKBOX (If yes, describe on Schedule F the partnerships and what they invest in.) FORM ADVApplicant:SEC File Number:Date:Part II - Page 5Garnet Group, LLC801- 05/01/2007 9.Participation or Interest in Client Transactions.Applicant or a related person: (check those that apply) FORMCHECKBOX A.As principal, buys securities for itself from or sells securities it owns to any client. FORMCHECKBOX B.As broker or agent effects securities transactions for compensation for any client. FORMCHECKBOX C.As broker or agent for any person other than a client effects transactions in which client securities are sold to or bought from a brokerage customer. FORMCHECKBOX D.Recommends to clients that they buy or sell securities or investment products in which the applicant or a related person has some financial interest. FORMCHECKBOX E.Buys or sells for itself securities that it also recommends to clients. (For each box checked, describe on Schedule F when the applicant or a related person engages in these transactions and what restrictions, internal procedures, or disclosures are used for conflicts of interest in those transactions.)10.Conditions for Managing Accounts. Does the applicant provide investment supervisory services, manage investment advisory accounts or hold itself out as providing financial planning or some similarly termed services and impose a minimum dollar value of assets or other conditions for starting or maintaining an account? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Yes  FORMCHECKBOX  No  FORMCHECKBOX (If yes, describe on Schedule F.)11.Review of Accounts. If applicant provides investment supervisory services, manages investment advisory accounts, or holds itself out as providing financial planning or some similarly termed services:A.Describe below the reviews and reviewers of the accounts. For reviews, include their frequency, different levels, and triggering factors. For reviewers, include the number of reviewers, their titles and functions, instructions they receive from applicant on performing reviews, and number of accounts assigned each. For those clients to whom the Registrant provides discretionary and/or non-discretionary investment advice, the Registrant monitors those portfolios as part of an ongoing process while regular account reviews are conducted on at least a quarterly basis. For those clients to whom the Registrant provides one-time financial planning and/or consulting services, reviews are conducted on an as needed basis. Such reviews are conducted by the Registrants Principals Tanya E. Rapacz, Lisette Smith, Annette Simon and/or Veena Kutler. All clients are encouraged to discuss their needs, goals and objectives with the Registrant and to keep the Registrant informed of any changes thereto. The Registrant shall contact clients for which it provides discretionary and/or non-discretionary investment advice at least annually to review its previous services and/or recommendations and to discuss the impact resulting from any changes in the client's financial situation and/or investment objectives. B.Describe below the nature and frequency of regular reports to clients on their accounts. Unless otherwise agreed upon, clients are provided with transaction confirmation notices and regular summary account statements directly from the broker-dealer or custodian for the client accounts. Those clients to whom the Registrant provides discretionary and/or non-discretionary investment advice may also receive a report from the Registrant that would include relevant account and/or market-related information such as an inventory of account holdings and account performance as clients may request from time to time, or as otherwise agreed to in the Agreement. Those clients to whom the Registrant provides one-time financial planning and/or consulting services will receive reports from the Registrant summarizing its analysis and conclusions as requested by the client or otherwise agreed to in writing by the Registrant.  FORM ADVApplicant:SEC File Number:Date:Part II - Page 6Garnet Group, LLC801- 05/01/2007 12.Investment or Brokerage Discretion.A.Does applicant or any related person have authority to determine, without obtaining specific client consent, the: (1) securities to be bought or sold? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Yes  FORMCHECKBOX No  FORMCHECKBOX  (2) amount of the securities to be bought or sold ? . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . .Yes  FORMCHECKBOX No  FORMCHECKBOX  (3) broker or dealer to be used ? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Yes  FORMCHECKBOX No  FORMCHECKBOX  (4) commission rates paid? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Yes  FORMCHECKBOX No  FORMCHECKBOX  B. Does applicant or a related person suggest brokers to clients? . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . Yes  FORMCHECKBOX No  FORMCHECKBOX For each yes answer to A describe on Schedule F any limitations on the authority. For each yes to A(3), A(4) or B, describe on Schedule F the factors considered in selecting brokers and determining the reasonableness of their commis- sions. If the value of products, research and services given to the applicant or a related person is a factor, describe:lthe products, research and serviceslwhether clients may pay commissions higher than those obtainable from other brokers in return for those products and serviceslwhether research is used to service all of applicant s accounts or just those accounts paying for it; andlany procedures the applicant used during the last fiscal year to direct client transactions to a particular broker in return for products and research services received.13.Additional Compensation.Does the applicant or a related person have any arrangements, oral or in writing, where it:A.Is paid cash by or receives some economic benefit (including commissions, equipment or non-research services) from a non-client in connection with giving advice to clients? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Yes  FORMCHECKBOX No  FORMCHECKBOX  B. Directly or indirectly compensates any person for client referrals? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Yes  FORMCHECKBOX No  FORMCHECKBOX (For each yes, describe the arrangements on Schedule F.)14.Balance Sheet. Applicant must provide a balance sheet for the most recent fiscal year on Schedule G if applicant:lhas custody of client funds or securities; orlrequires prepayment of more than $500 in fees per client and 6 or more months in advance Has applicant provided a Schedule G balance sheet? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Yes  FORMCHECKBOX No  FORMCHECKBOX  Schedule F ofApplicant:SEC File Number:Date:Form ADVGarnet Group, LLC05/01/2007Continuation Sheet for Form ADV Part II801- (Do not use this Schedule as a continuation sheet for Form ADV Part I or any other schedules.)1.Full name of applicant exactly as stated in Item 1A of Part I of Form ADV:IRS Empl. Ident. No.:Garnet Group, LLCItem of Form(identify)AnswerItem 1(D) Item 1(D) (Continued) Item 1(D) (Continued) Item 1(D) (Continued) Item 1(D) (Continued) Item 1(D) (Continued) Item 1(D) (Continued) Item 1(D) (Continued) Item 3(L) Items 3(L) & 4(C)(7) Items 4(A)(5) & 4(B)(8) Item 5 Item 6 Item 6 (Continued) Item 6 (Continued) Item 9(E) Item 10 Items 12(A),(B) & 13(A) Items 12(A),(B) & 13(A) (Continued) Items 12(A),(B) & 13(A) (Continued)Garnet Group LLC (the Registrant) is an investment adviser providing financial planning, consulting, and investment management services to individuals, pension and profit sharing plans, trusts, estates, charitable organizations, corporations and business entities. The Registrant, depending upon the engagement, offers its services on a fee basis which primarily include negotiable flat annual retainer fees. Prior to engaging the Registrant to provide any of the foregoing investment advisory services, the client will be required to enter into one or more written agreements with the Registrant setting forth the terms and conditions under which the Registrant shall render its services (collectively the Agreement). This flat annual fee covers comprehensive service that encompasses all Garnet services provided to Client including financial planning and investment management. This fee is based on Client net worth, income and financial complexity. An approximate fee range is quoted by Garnet at initial consultation; using the methodology detailed below, an exact first year fee will be calculated upon receipt of the required inputs. The fee is reset annually at each contract anniversary using the same computation method. Retainer Fee Calculation: First $1 million of net worth0.70% Next $2 million0.50% Next $7 million0.30% Over $10 million..0.20% A minimum annual retainer fee is required. Fees are negotiable. The annual retainer fee will be paid to Registrant on a quarterly basis in advance. For clients with a net worth of $10 Million, fees are negotiated. Payment Schedule: First year one-quarter of the first year fee must be paid at the start of the engagement. The remaining balance of the calculated first year fee is payable quarterly directly by Client or debited from Clients custodian account(s). Clients who terminate the relationship prior to completion of the initial financial planning recommendations will receive a refund of the initial deposit minus cost of services provided. For this purpose, services will be billed at a rate of $300 per hour. Second and subsequent years quarterly payments payable by client or debited from Custodian investment account(s). It should be noted that Registrant's fees are negotiable in certain circumstances. Historical Accounts/Clients: For certain historical accounts/clients, the Registrant may charge the client on a fee-only basis. Registrant shall charge an annual investment management fee (generally between .50% to 1.00%) based upon a percentage of the market value of the assets being managed by Registrant, generally in accordance with the following fee schedule: ASSETS UNDER MANAGEMENT ANNUAL FEE Up to $2,000,000 1.00% $2,000,000 to $5,000,000 0.75% $5,000,001+ Negotiable Registrant's annual investment management fee shall be prorated and paid quarterly, in advance, based upon the market value of the assets on the last day of the previous quarter. Registrant, in its sole discretion, may charge a lesser management fee based upon certain criteria (i.e. existing financial planning client, anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, negotiations with the client, etc.) In performing its services, Registrant shall not be required to verify any information received from the client or from the clients other professionals, and is expressly authorized to rely thereon. Each client is advised that it remains his/her/its responsibility to promptly notify Registrant if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising Registrant's previous recommendations and/or services. Fees will be debited directly from the client account or paid via check. There is no constructive custody resulting due to the fact the applicant or the custodian will send a statement to the client showing the amount of the fee and the value of client's assets upon which the fee was based. In addition, Registrant will disclose to clients that it is the client's responsibility to verify the accuracy of the fee calculation and that the custodian will not determine whether the fee is properly calculated. Registrant will send a bill to the custodian indicating only the amount of the fee to be paid by the custodian. Also, Registrant receives authorization of the fee paying arrangement and the custodian's obligation to send out custodial statements to the client no less frequently than quarterly showing the fees debited from his/her/its account. Registrant will not send invoices to its client(s). Because mutual funds pay advisory fees to their investment managers and such fees are therefore indirectly charged to all holders of mutual fund shares, clients with mutual funds in their portfolios are effectively paying both the applicant and the mutual fund for the management of their assets. Clients who place mutual fund shares under the applicant's management are therefore subject to both the applicant's direct management fee and the indirect management fee of the mutual fund's adviser. The Registrant shall provide its clients with a broad range of comprehensive financial planning and consulting services (which may include non-investment related matters), which shall generally include ongoing discretionary and/or non-discretionary investment advice. Alternatively, the Registrant may provide clients with a one-time financial plan. The Registrant will generally charge a negotiable fixed fee ranging from $5,000 to $60,000 for the first year of service, the total of which is dependent upon the level and scope of these services. As discussed in response to Item 12B (below), the Registrants fee is exclusive of, and in addition to brokerage commissions, transaction fees, and other related costs and expenses which shall be incurred by the client. However, the Registrant shall not receive any portion of these commissions, fees, and costs. The fixed fees are determined after considering many factors, such as the level and scope of the services, and the clients net worth. Alternatively, the Registrant may occasionally provide services based on an hourly, which is generally $200 to $350 per hour. Registrant may provide investment management services to some family members and friends at no charge. An annual administrative charge of 0.25% may be charged and deducted from these family members' and friends' accounts on a quarterly basis in arrears. Prior to engaging the Registrant, the client will be required to enter into a written agreement with the Registrant setting forth the terms and conditions of the engagement and describing the scope of the services to be provided and the portion of the fee that is due from the client prior to the Registrant commencing services. For the first year of services, the Registrant may require up to one-quarter of the fee payable upon entering the written agreement, while the remaining balance would be due quarterly at the beginning of each subsequent quarter. Thereafter, the Registrants annual fee shall be prorated and charged quarterly, in advance. In other cases, Registrant may elect to bill the Client all or a portion of their fee in arrears. A client can also engage the Registrant to provide a one-time financial plan, without ongoing investment management services. For such an engagement, the Registrant requires one-half of the fee payable upon entering the written agreement, while the balance is generally due upon delivery of the financial plan or completion of the agreed upon services. Where the Registrant has been engaged to provide a one-time financial plan, the client is under no obligation to act upon any of the recommendations made by the Registrant. Such client retains absolute discretion over all such implementation decisions and is free to accept or reject any of the Registrants recommendations. Moreover, each financial planning only client is advised that it remains his/her/its responsibility to promptly notify the Registrant if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing, evaluating, or revising the Registrants previous recommendations and/or services. Either party may terminate the Agreement by written notice to the other. If termination occurs within five business days of entering into an agreement for such services the client shall be entitled to a full refund. The Registrant does not impose an account minimum for starting or maintaining an account. However, as further discussed in response to Item 10 (below), the Registrant generally imposes a minimum annual fee for its comprehensive financial planning services. The Registrant, in its sole discretion, may negotiate to charge a lesser fee based upon certain criteria (i.e., anticipated future earning capacity, future additional assets, dollar of assets to be managed, related accounts, account composition, pre-existing client, account retention, pro bono activities, etc.). The Registrant offers advice on each type of investment described in Part II of Form ADV (Item 3). However, the Registrant intends to primarily allocate its clients assets, on a discretionary and/or a non-discretionary basis among mutual funds, exchange traded funds, individual debt and equity securities and/or options, and Independent Managers (as defined below), as well as the securities components of variable annuities and variable life insurance contracts in accordance with the investment objectives of the client. The Registrant may only implement its recommendations after the client has arranged for and furnished the Registrant with all information and authorization regarding accounts with appropriate financial institutions. Financial institutions shall include, but are not limited to, any other broker-dealer recommended by the Registrant, a broker-dealer directed by the client, trust companies, banks etc. (collectively referred to herein as the Financial Institution(s)). Clients may incur certain charges imposed by the Financial Institution(s) and other third parties such as fees charged by Independent Managers (as defined below), custodial fees, charges imposed directly by a mutual fund or exchange traded fund in the account, which shall be disclosed in the funds prospectus (e.g., fund management fees and other fund expenses), deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Additionally, for assets outside of any wrap fee programs, clients may incur brokerage commissions and transaction fees. Such charges, fees and commissions are exclusive of and in addition to the Registrants fee. The Registrants Agreement and/or the separate agreement with the Financial Institution(s) may authorize the Registrant through the Financial Institution(s) to debit the clients account for the amount of the Registrants fee and to directly remit that management fee to the Registrant in accordance with applicable custody rules. The Financial Institution(s) recommended by the Registrant have agreed to send a statement to the client, at least quarterly, indicating all amounts disbursed from the account including the amount of management fees paid directly to the Registrant. The Registrant may also recommend that certain clients authorize the active discretionary management of a portion of their assets by and/or among certain independent investment manager(s) (Independent Manager(s)) directly based upon the stated investment objectives of the client. The terms and conditions under which the client shall engage the Independent Manager(s) shall be set forth in separate written agreements between (1) the client and the Registrant and (2) the client and the designated Independent Manager(s) and/or wrap fee program sponsor. The Registrant shall continue to render advisory services to the client relative to the ongoing monitoring and review of account performance. Factors that the Registrant shall consider in recommending Independent Manager(s) include the clients stated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fees charged by the designated Independent Manager(s), together with the fees charged by the wrap fee program sponsor and corresponding designated broker-dealer/custodian of the clients assets, may be exclusive of, and in addition to, the Registrants comprehensive financial planning fee set forth above. In addition to the Registrants written disclosure statement, the client shall also receive the written disclosure statement of the designated Independent Manager(s). Certain Independent Manager(s) may impose more restrictive account requirements and varying billing practices than the Registrant. In such instances, the Registrant may alter its corresponding account requirements and/or billing practices to accommodate those of the Independent Manager(s) or wrap fee program sponsor. The Registrant also may render non-discretionary investment management services to clients relative to: (1) variable life/annuity products that they may own, and/or (2) their individual employer-sponsored retirement plans. In so doing, the Registrant either directs or recommends the allocation of client assets among the various mutual fund subdivisions that comprise the variable life/annuity product or the retirement plan. The client assets shall be maintained at either the specific insurance company that issued the variable life/annuity product which is owned by the client, or at the custodian designated by the sponsor of the clients retirement plan. The client may make additions to and withdrawals from the account at any time, subject to the Registrants right to terminate an account. Clients may withdraw account assets on notice to the Registrant, subject to the usual and customary securities settlement procedures. The Registrant designs its portfolios as long-term investments and assets withdrawals may impair the achievement of a clients investment objectives. The initial Agreement between the Registrant and the client will automatically renew at the end of one year of services unless otherwise agreed. Additions may be in cash or securities provided that the Registrant reserves the right to liquidate any transferred securities, or decline to accept particular securities into a clients account. The Registrant may consult with its clients about the options and ramifications of transferring securities. However, clients are advised that when transferred securities are liquidated, they are subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications. The Registrants clients are advised to promptly notify the Registrant if there are ever any changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon the Registrants services. Neither the Registrant nor the client may assign the Agreement without the consent of the other party. Transactions that do not result in a change of actual control or management of the Registrant shall not be considered an assignment. In all circumstances, all fees agreed to between client and the Registrant shall be negotiable. A copy of the Registrants privacy policy notice and a written disclosure statement that meets the requirements of Rule 204-3 of the In the Investment Advisers Act of 1940, as amended (Advisers Act), shall be provided to each client prior to or contemporaneously with the execution of the Agreement. Any client who has not received a copy of the Registrants written disclosure statement at least forty-eight (48) hours prior to executing the Agreement shall have five (5) business days subsequent to executing the agreement to terminate the Registrants services without penalty. Registrant does not vote proxies on behalf of its clients. The Registrant may also provide advice about exchange traded funds (ETFs) and any type of investment held in a clients portfolio at the beginning of the advisory relationship. As further discussed in the response to Item 1D (above), the Registrant may recommend that clients authorize the active discretionary management of a portion of their assets by and/or among certain Independent Manager(s), based upon the stated investment objectives of the client. The Registrant shall continue to render services to the client relative to the discretionary and/or non-discretionary selection or recommendation of Independent Manager(s) as well as the monitoring and review of account performance and client investment objectives. As further discussed in the response to Item 1D (above), the Registrant may recommend that clients authorize the active discretionary management of a portion of their assets by and/or among certain Independent Manager(s), based upon the stated investment objectives of the client. When recommending or selecting an Independent Manager for a client, the Registrant shall review information about the Independent Manager(s) such as its disclosure statement and/or material supplied by the Independent Manager(s) or independent third parties for a description of the Independent Managers investment strategies, past performance and risk results to the extent available. All individuals that render investment advisory services on behalf of the Registrant must have earned a college degree and/or have substantive investment-related experience. In addition, all such individuals shall have attained all required investment-related licenses and/or designations. VEENA A. KUTLER, CFA Born 1956 Post-Secondary Education: B. S. in Computer Sciences, West Virginia University MBA George Washington University Chartered Financial Analyst (CFA) Designation Recent Business Background: Garnet Group LLC, Chief Compliance Officer, 5/07 to Present Garnet Group LLC, Managing Member, 07/2006 to Present Mosaic Wealth Management, Founder and Principal, 2000 to 7/2006 T. Rowe Price Associates, Vice President, 1987 to 2000 ANNETTE F. SIMON, CFP Born 1959 Post-Secondary Education: B. A. in Economics, Northwestern University MBA Yale University Certified Financial Planner (CFP) Designation Recent Business Background: Garnet Group LLC, Managing Member 07/2006 to Present Mosaic Wealth Management, Principal, 2002 to 7/2006 Prosperity Planning, Inc., Founder and Principal, 1996 to 2001 Baltimore-Washington Financial Advisors, Financial Advisor, 2001 to 2002 LISETTE CHASSEY SMITH, CFP Born 1963 Post-Secondary Education: Fairfield University 1985, BS, Finance Boston University 2000, MBA Certified Financial Planner (CFP) Designation Recent Business Background: Garnet Group, LLC Managing Member, 07/2006 to Present Smith Rapacz, LLC, Principal, 07/2000 to 07/2006 North American Management, Financial Planner and Director of Financial Planning 10/1987 06/2000 TANYA ELIZABETH RAPACZ, CFP Born 1970 Post-Secondary Education: Wellesley College 1992, BA, Soviet Studies and Economics Certified Financial Planner (CFP) Designation Recent Business Background: Garnet Group LLC, Managing Member, 07/2006 to Present Garnet Group LLC, Chief Compliance Officer, 07/2006 to 5/01 Smith Rapacz, LLC, Principal, 07/2000 to 07/2006 North American Management, Financial Planner, 05/1999 06/2000 The Registrant does not buy nor sell for itself securities that it also recommends to clients. However, persons associated with the Registrant (Associated Persons) are permitted to buy or sell securities that it also recommends to clients consistent with the Registrants policies and procedures. The Registrant has adopted a code of ethics that sets forth the standards of conduct expected of its associated persons and requires compliance with applicable securities laws (Code of Ethics). In accordance with Section 204A of the Advisers Act, its Code of Ethics contains written policies reasonably designed to prevent the unlawful use of material non-public information by the Registrant or any of its associated persons. The Code of Ethics also requires that certain of the Registrants personnel (called Access Persons) report their personal securities holdings and transactions and obtain pre-approval of certain investments such as initial public offerings and limited offerings. Clients may contact the Registrant to request a copy of its Code of Ethics. Unless specifically permitted in the Registrants Code of Ethics, none of the Registrants Access Persons may effect for themselves or for their immediate family (i.e., spouse, minor children, and adults living in the same household as the Access Person) any transactions in a security which is being actively purchased or sold, or is being considered for purchase or sale, on behalf of any of the Registrants clients. When the Registrant is purchasing or considering for purchase any security on behalf of a client, no Access Person may effect a transaction in that security prior to the completion of the purchase or until a decision has been made not to purchase such security. Similarly, when the Registrant is selling or considering the sale of any security on behalf of a client, no Access Person may effect a transaction in that security prior to the completion of the sale or until a decision has been made not to sell such security. These requirements are not applicable to: (i) direct obligations of the Government of the United States; (ii) money market instruments, bankers acceptances, bank certificates of deposit, commercial paper, repurchase agreements and other high quality short-term debt instruments, including repurchase agreements; (iii) shares issued by mutual funds or money market funds; (iv) shares issued by unit investment trusts that are invested exclusively in one or more mutual funds; and (v) Exchange Traded Funds. As further discussed in response to Item 1D (above), the Registrant provides financial planning services. As a condition for starting and maintaining a comprehensive financial planning relationship, which includes the Registrants discretionary and/or non-discretionary investment advice, the Registrant shall generally impose a minimum annual fee of $5,000 to $50,000. As a condition for providing a one-time comprehensive financial plan, the Registrant shall generally impose a minimum fee of $6,000. The Registrant, in its sole discretion, may waive its minimum fees based upon certain criteria including the amount of services required, anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, pre-existing client, account retention, and pro bono activities. Additionally, certain Independent Manager(s) may impose more restrictive account requirements and varying billing practices than the Registrant. Except as provided for in any applicable wrap fee program, the brokerage commissions and/or transaction fees charged by Fidelity, TD Ameritrade Institutional, a Division of TD Ameritrade, Inc., member NASD/SIPC (TD Ameritrade, Inc.), or any other designated broker-dealer are exclusive of and in addition to the Registrants fee. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Factors which the Registrant considers in recommending Fidelity, TD Ameritrade, Inc. or any other broker-dealer, to clients include their respective financial strength, reputation, execution, pricing, research, and service. Fidelity and TD Ameritrade, Inc. enable the Registrant to obtain many mutual funds without transaction charges and other securities at nominal transaction charges. The commissions and/or transaction fees charged by Fidelity and TD Ameritrade, Inc. may be higher or lower than those charged by other broker-dealers. The commissions paid by the Registrants clients shall comply with the Registrants duty to obtain best execution. However, a client may pay a commission that is higher than another qualified broker-dealer might charge to effect the same transaction where the Registrant determines, in good faith, that the commission is reasonable in relation to the value of the brokerage and research services received. In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of a broker-dealers services, including among others, the value of research provided, execution capability, commission rates, and responsiveness. Consistent with the foregoing, while the Registrant will seek competitive rates, it may not necessarily obtain the lowest possible commission rates for client transactions. If the client requests the Registrant to arrange for the execution of securities brokerage transactions for the clients account, the Registrant shall direct such transactions through broker-dealers that the Registrant reasonably believes will provide best execution. The Registrant shall periodically and systematically review its policies and procedures regarding recommending broker-dealers to its client in light of its duty to obtain best execution. The client may direct the Registrant in writing to use a particular broker-dealer to execute some or all transactions for the client. In that case, the client will negotiate terms and arrangements for the account with that broker-dealer, and the Registrant will not seek better execution services or prices from other broker-dealers or be able to batch client transactions for execution through other broker-dealers with orders for other accounts managed by the Registrant (as described below). As a result, the client may pay higher commissions or other transaction costs or greater spreads, or receive less favorable net prices, on transactions for the account than would otherwise be the case. Subject to its duty of best execution, the Registrant may decline a clients request to direct brokerage if, in the Registrants sole discretion, such directed brokerage arrangements would result in additional operational difficulties. Transactions for each client generally will be effected independently, unless the Registrant decides to purchase or sell the same securities for several clients at approximately the same time. The Registrant may (but is not obligated to) combine or batch such orders to obtain best execution, to negotiate more favorable commission rates, or to allocate equitably among the Registrants clients differences in prices and commissions or other transaction costs that might have been obtained had such orders been placed independently. Under this procedure, transactions will generally be averaged as to price and allocated among the Registrants clients pro rata to the purchase and sale orders placed for each client on any given day. To the extent that the Registrant determines to aggregate client orders for the purchase or sale of securities, including securities in which the Registrants Advisory Affiliate(s) may invest, the Registrant shall generally do so in accordance with applicable rules promulgated under the Advisers Act and no-action guidance provided by the staff of the U.S. Securities and Exchange Commission. The Registrant shall not receive any additional compensation or remuneration as a result of the aggregation. 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$$Ifa$$If4j5j6j7j8j9j:j;jj?j@jAjBjCjDjEjFjMjYjZj[j\j]j^jhjijjj$If $$Ifa$jjkjljmjnjojpjqjrjsjtjujvjwjxjyjzj{j|j}j~jjjjjjjjj $$Ifa$jjjjjjjjjjjjjjjjjjjjjjjjjjjjj$If $$Ifa$jjjjjjjjjjjjjjjjjjjjjjjjjjjjj $$Ifa$jjkkkkkkkkk k k k k kkkkkkkkkkkkkk $$Ifa$kkkkkk k!k9kEknnpqqqqqr&r'rrrssTs$If$If v$If^v$If $$Ifa$Tsttwwwyy:z;zzz5{6{3}  gh$If$Ifhّڑ$%<=Z[56ab$IfHIͯίEFijض'(D-$If-.EOiظٸ*^*Ts(ѻ$Ifѻ <Y̼@ATUab $If^$Ifof the order is executed, shares may be allocated to the account with the smallest order or the smallest position or to an account that is out of line with respect to security or sector weightings relative to other portfolios, with similar mandates; (ii) allocations may be given to one account when one account has limitations in its investment guidelines which prohibit it from purchasing other securities which are expected to produce similar investment results and can be purchased by other accounts; (iii) if an account reaches an investment guideline limit and cannot participate in an allocation, shares may be reallocated to other accounts (this may be due to unforeseen changes in an accounts assets after an order is placed); (iv) with respect to sale allocations, allocations may be given to accounts low in cash; (v) in cases when a pro rata allocation of a potential execution would result in a de minimis allocation in one or more accounts, the Registrant may exclude the account(s) from the allocation; the transactions may be executed on a pro rata basis among the remaining accounts; or (vi) in cases where a small proportion of an order is executed in all accounts, shares may be allocated to one or more accounts on a random basis. Consistent with obtaining best execution, brokerage transactions may be directed to certain broker-dealers in return for investment research products and/or services which assist the Registrant in its investment decision-making process. Such research generally will be used to service all of the Registrants clients, but brokerage commissions paid by one client may be used to pay for research that is not used in managing that clients portfolio. The receipt of investment research products and/or services as well as the allocation of the benefit of such investment research products and/or services poses a conflict of interest. The Registrant may receive from Fidelity or TD Ameritrade, Inc., without cost or at a discount, computer software and related systems support, which allow the Registrant to better monitor client accounts maintained at Fidelity or TD Ameritrade, Inc. The Registrant may receive the software and related support without cost because the Registrant renders services to clients that, in the aggregate, maintain a certain level of assets at Fidelity or TD Ameritrade, Inc. Specifically, the Registrant may receive the following benefits from Fidelity or TD Ameritrade, Inc.: receipt of duplicate client confirmations, access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to client accounts; and access to an electronic communication network for client order entry and account information.      Answer all items. Complete amended pages in full, circle amended items and file with execution page (page 1). (Schedules A, B, C, D, and E are included with Part I of this Form, for the use of regulatory bodies, and are not distributed to clients.)  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