Clear Investment Research LLC

Item 5 – Fees and Compensation

In addition to the information provided in Item 4 – Advisory Business, this section provides additional
details regarding our firm’s services along with descriptions of each service’s fees and compensation
arrangements. It should be noted that lower fees for comparable service may be available from other
sources. The exact fees and other terms will be outlined in the agreement between you and Clear
Investment Research.

Retirement Consulting Services Fees

We offer retirement consulting services to companies offering pension and retirement plans and provide a
wide variety of services focusing on our clients’ specific needs. The following are examples of some of
the general areas that may be covered as part of our services:

    •   Current plan review
    •   Vendor search
    •   Plan design and implementation
    •   Investment policy statement implementation
    •   Manager searches
    •   Compliance review
    •   Communication plan implementation
    •   Investment committee implementation
    •   Investment review

The above list is not all inclusive and is provided only to give clients a general idea of the types of
consulting services offered. Services are negotiable depending on clients’ individual needs. At no time

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do we maintain custody of plan assets. Typically, our consulting services focus on providing investment
advice to the plan. In addition, we provide consulting services focusing on plan design, compliance
matters and problem solving.

Our asset-based fee is on a tiered schedule, which starts at 0.99% and goes down to 0.40% annually.
Our minimum annual fee is $3,000. Typically, fees are charged quarterly and will be charged in arrears.
All fees are negotiable based on the complexity of the services contracted for and the anticipated amount
of work involved in providing those services, the size of the plan and the number of plan participants. See

Item 7 – Types of Clients

Clear Investment Research generally provides investment advice to retirement plans, endowments and
foundations, and both high-net worth, and non-high net worth individuals.

You are required to execute a written agreement with Clear Investment Research specifying the particular
advisory services in order to establish a client arrangement with Clear Investment Research.

Minimum Investment Amounts Required

For individuals, we do not require any minimum asset size to provide Asset Management services.
There is a minimum annual fee of $3,000 for our Financial Planning services.

For Institutions, our minimum fee is negotiable, depending on needs and complexity of the mandate.