Clear Retirement Advice LLC

Item 5 – Fees and Compensation
Fee Schedule
The information shown below reflects our current fee structure. Our fees have changed over time, and
legacy clients may have different fee arrangements. Fees could be negotiable in certain circumstances.
In addition, we reserve the right to offer fee waivers or discounts at our sole discretion. Therefore,
some clients could pay different fees than the fee schedule shown below. Your exact fee and other terms
will be outlined in your advisory agreement.
Please note, unless you have received our Disclosure Brochure at least 48 hours prior to signing an
advisory agreement, you can terminate the agreement within five business days of signing the
agreement without incurring any penalties and advisory fees.

Portfolio Management Fees
Clear will charge a flat fee of up to $7,000 for Portfolio Management Services. Each client’s fee is
detailed in Exhibit II of the Investment Advisory Contract. Fees are paid quarterly in advance. Fees
for partial quarters will be prorated based on the number of days during the quarter that services were
provided.
Portfolio management fees are withdrawn directly from the client's accounts with client's written
authorization, or may be invoiced and billed directly to the client. Clients may select the method in
which they are billed.
Either party may terminate the Investment Advisory Contract immediately upon written notice. Upon
termination, any unearned fees paid in advance will be refunded to client, prorated based on the
number of days services were provided during the quarter prior to termination.

Disclosure Brochure                                                                      March 6, 2026

Financial Planning Fees
When clients engage our Portfolio Management Services, Financial Planning Services are included at
no additional cost.
When Financial Planning Services are provided separately, the negotiated fixed rate for creating client
financial plans is up to $7,000. Fees are paid 25% in advance, but never more than six months in
advance, with the remainder due upon presentation of the plan. Financial planning fees are paid via
check and wire.
Either party may terminate financial planning services immediately upon written notice. In the event
services are terminated prior to completion of the plan, Client is responsible for payment for Clear’s
services provided prior to termination, based on a percentage of completion of the plan. Unearned fees
paid in advance will be refunded to client; Clear will invoice client for services provided prior to
termination in excess of the 25% initial fee.

Client Responsibility for Third Party Fees
Clients are responsible for the payment of all third-party fees (i.e., custodian fees, commissions,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the
fees and expenses charged by Clear. Please see Item 12 of this Disclosure Brochure regarding broker-
dealer/custodian.

Prepayment of Fees
Clear collects fees in advance. Refunds for fees paid in advance will be returned within fourteen days
to the client via check, or return deposit back into the client’s account.
Fixed fees that are collected in advance will be refunded based on the prorated amount of work
completed at the point of termination.

Outside Compensation For the Sale of Securities to Clients
Neither Clear nor its supervised persons accept any compensation for the sale of investment products,
including asset-based sales charges or service fees from the sale of mutual funds.

Item 7 – Types of Clients
Clear generally provides advisory services to the following types of clients:
       Individuals
       High-Net-Worth Individuals
There is no account minimum for any of Clear’s services.

Disclosure Brochure                                                                        March 6, 2026