Cardinal Retirement Planning Inc

Item 5: Fees and Compensation
 Method of Compensation and Fee Schedule
  FINANCIAL PLANNING & CONSULTING
  CRP offers two types of financial consulting engagements, either an ongoing consulting
  arrangement or a project-based consultation. The fees for these services are as follows:
  Ongoing Consulting
  Ongoing financial planning and consulting services are offered on a negotiable flat fee basis.
  This consists of an initial upfront fee of between $500 and $5,000 plus a quarterly recurring
  fee between $250 and $2,250 to be charged after each quarterly follow-up. Fees are based on
  the unique needs of the Client and complexity of the services required. Prior to the planning
  process the Client will be provided an estimated fee. Client will pay the initial fee upon
  signing the Agreement and the recurring fee within 10 days of the receipt of invoice. Client
  may cancel within five (5) business days of signing Agreement for a full refund. If the Client
  cancels after five (5) business days, any unearned fees will be refunded to the Client, or any
  unpaid earned fees will be due to CRP.
  Project-Based Consultation
  Project-based financial planning and consulting services are offered based on an hourly fee
  up to $350 per hour depending on the complexity of the services and expertise required by
  the advisor. Services will be described in Exhibit A of the Agreement. Clients will be provided
  an estimated fee range prior to the Client engaging in services. Fees are based on the unique
  needs of the Client and complexity of the services required. The hourly rate will be agreed
  upon in advance of any service. Fees for project-based financial plans are paid 50% or $600,
  whichever is less, up front with the balance due at the time of delivery of the completed
  project. Services are completed and delivered inside of six (6) months. Client may cancel
  within five (5) business days of signing Agreement for a full refund. If the Client cancels after
  five (5) business days, any unearned fees will be refunded to the Client, or any unpaid
  earned fees will be due to CRP.
  ASSET MANAGEMENT
  CRP offers direct asset management services to advisory Clients. CRP charges an annual
  investment advisory fee based on the total assets under management as follows:
                                  Benchmark+ Portfolios
                    Assets Under Management          Annual Fee
                        Up to $1,000,000                1.25%
                    $1,000,001 to $2,000,000            0.80%
                         Over $2,000,000                0.60%

                                  Client Directed Portfolios
                    Assets Under Management             Annual Fee
                            All Assets                     0.60%
  The annual fee may be negotiable based upon certain criteria (e.g., historical relationship,
  type of assets, anticipated future earning capacity, anticipated future additional assets, dollar
  amounts of assets to be managed, related accounts, account composition, negotiations with

                                Cardinal Retirement Planning, Inc.

Clients, etc.). In rare cases a flat annual fee can negotiated, not to exceed 2% of the assets
managed.
Fees are billed quarterly in arrears based on the amount of assets managed as of the close of
business on the last business day of the previous quarter. Lower fees for comparable
services may be available from other sources. If margin is utilized, the fees will be billed
based on the net asset value of the account. Clients may terminate their account within five
(5) business days of signing the Investment Advisory Agreement with no obligation and
without penalty. Clients may terminate advisory services with thirty (30) days written
notice. For accounts opened or closed mid-billing period, any unpaid earned fees will be due
to CRP. Client shall be given thirty (30) days prior written notice of any increase in fees. Any
increase in fees will be acknowledged in writing by both parties before any increase in said
fees occurs.
VARIABLE ANNUITY MANAGEMENT
The fees for these services will be based on a percentage of Assets Under Management as
follows:
Fees will be 0.50% of the contract value. CRP requires a minimum variable annuity account
value of $25,000 to be eligible for this service.
Fees will be disclosed prior to Client signing the Investment Advisory Agreement.
CRP’s fees are billed quarterly in arrears based on the amount of assets managed as of the
close of business on the last business day of the previous quarter. Quarterly advisory fees
will be paid in the following ways:
     a) deducting from Client’s variable annuity (Only available for clients over age 59 ½)
     b) deducting from Client’s non-qualified account held with CRP
     c) direct billing to the Client payable within 10 days of invoice presentation
The annual fee may be negotiable. Accounts within the same household may be combined for
a reduced fee. Lower fees for comparable services may be available from other sources.
Clients may terminate their account within five (5) business days of signing the Investment
Advisory Agreement with no obligation and without penalty. Clients may terminate advisory
services with thirty (30) days written notice. CRP will be entitled to a pro rata fee for the
days service was provided in the final billing period. Client shall be given thirty (30) days
prior written notice of any increase in fees, and Client will acknowledge, in writing, any
agreement of increase in said fees.
ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed
1%. Fees are charged quarterly in arrears based on the assets as calculated by the custodian
or record keeper of the Included Assets (without adjustments for anticipated withdrawals by
Plan participants or other anticipated or scheduled transfers or distribution of assets) on the
...

Item 7: Types of Clients
 Description
  CRP generally provides investment advice to individuals, high-net-worth individuals, and
  corporations or other businesses.
  Client relationships vary in scope and length of service.

                                Cardinal Retirement Planning, Inc.

 Account Minimums
  CRP requires a minimum of $250,000 to open an account. In certain instances, the minimum
  account size may be lowered or waived.
  CRP requires a minimum of $25,000 for Variable Annuity account management.