Approach Retirement Advisors LLC

Item 5 Fees and Compensation
Wealth Management Fee Arrangements
Our fee for Wealth Management Services is based on a percentage of your assets we manage. The
fee arrangement, subject to negotiation, is set forth in the following blended tiered fee schedule:

Assets Under Management                                  Maximum Annual Advisory Rate
First $1,000,000 under management                        1.00% (0.2500% per quarter)
Next $2,000,000 under management                         0.75% (0.1875% per quarter)
Next $3,000,000 under management                         0.60% (0.1500% per quarter)
Next $4,000,000 under management                         0.50% (0.1250% per quarter)
Amounts over $10,000,000 under management                0.40% (0.1000% per quarter)

*For example, the applicable management fee for a client with $3,500,000 would be as follows: the first
$1,000,000 would be billed at an annual rate of 1.00%; the next $2,000,000 would be billed at an
annual rate of 0.75%; and the remaining $500,000 would be billed at an annual rate of 0.60%.

**Clients who have had prior relationships with the representatives of our firm and/or client(s) with
unique circumstances, and/or client(s) gained from employing and/or affiliating with advisors, may be
subject to different fee schedules and/or billing periods, both in arrears, in advance, hourly, monthly
retainer, quarterly retainer and flat fee billing.

In general, we require $2,000,000 or more to open and maintain an advisory account. At our sole
discretion, clients who do not meet the investment portfolio minimum can still work with our team by:

 • Receiving a referral from an existing client
 • Requesting an exception

We may combine the account values of family members living in the same household to determine the
applicable advisory fee. For example, we may combine account values for you and your minor
children, joint accounts with your spouse, and other types of related accounts to meet the stated
minimum. In limited circumstances, and in our sole discretion, we may negotiate our services and/or
fees when working with client family-related accounts.

Our annual management fee is billed and payable quarterly in advance based on the value of your
account on the last business day of the previous quarter. If the management agreement is executed at
any time other than the first day of a calendar quarter, our fees will apply on a pro rata basis, which
means that the advisory fee is payable in proportion to the number of days in the quarter for which you
are a client. Our advisory fee is negotiable, depending on individual client circumstances. In our sole
discretion, we may negotiate other fee-paying arrangements upon client request.

Our fees for portfolio management services will be deducted directly from your account through the
qualified custodian holding your funds and securities. We will deduct our advisory fee only when you
have given our firm written authorization permitting the fees to be paid directly from your account.
Further, the qualified custodian will deliver an account statement to you at least quarterly. These
account statements will show all disbursements from your account, and you should review all
statements for accuracy. If you have any questions about the statement(s) you receive from the
qualified custodian, please call our main office number located on the cover page of this Brochure.

Our agreement for services will continue in effect until terminated by either party upon 7-days' written
notice to the other party. You will incur a pro rata charge for services rendered prior to the termination
of the agreement, which means you will incur advisory fees only in proportion to the number of days in
the quarter for which you are a client. If you have pre-paid advisory fees that we have not yet earned,
you will receive a prorated refund of those fees.

Additional Fees and Expenses
As part of our investment advisory services to you, we may recommend that you invest in corporate
debt, municipal securities, mutual funds and ETFs. The fees that you pay to our firm for investment
advisory services are separate and distinct from the fees and expenses charged by mutual funds
(described in each fund's prospectus) to their shareholders. These fees will generally include a
management fee and other fund expenses. You will also incur transaction charges and/or brokerage
fees when purchasing or selling mutual funds, corporate debt and municipal securities. These charges
and fees are typically imposed by the broker-dealer or custodian through whom your account
transactions are executed. We do not share in any portion of the brokerage fees/transaction charges
imposed by the broker-dealer or custodian. To fully understand the total cost you will incur, you should
review all the fees charged by mutual funds, exchange traded funds, our firm, and others. For
information on our brokerage practices, please refer to Item 12 of this Disclosure Brochure (Brokerage
Practices).

Item 7 Types of Clients
We typically offer investment advisory services to individuals, trusts, estates, charitable organizations,
and other business entities.

In general, we require $2,000,000 or more to open and maintain an advisory account. At our sole
discretion, clients who do not meet the investment portfolio minimum can still work with our team by:

 • Receiving a referral from an existing client
 • Requesting an exception