Decker Retirement Planning Inc

Item 5: Fees and Compensation

Method of compensation and fee schedule
Decker Retirement Planning bases its fees on a percentage of assets under management
        Asset Management
        Decker Retirement Planning offers discretionary direct asset management services to
        advisory clients. Decker Retirement Planning's asset management fees range from an
        annual rate of 1.4% for higher-risk investment models to 0.20% per year for cash
        management and are ONLY charged on Risk Bucket assets, not on the other assets in the
        income plan. Decker Retirement Planning may exchange its fee and charge a lesser asset
        management fee 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 clients,
        etc.). We exclude bonds, CD’s and any self-managed positions from the value of your
        portfolios. Decker Retirement Planning has waived fees for family, employees of Decker
        Retirement Planning, and some non-family members.
        Fees for asset management services will be based on a percentage of assets under
        management. The annual fee is typically prorated and charged monthly in arrears, based
        upon the average daily balance of the account for the previous month. For example, for the
        month ending April 30st, the fees are calculated based on the average daily balance of the
        assets under management for the month of April. If assets are deposited into or withdrawn
        from an account during the billing period, the fee payable with respect to such assets is

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        adjusted to reflect the interim change in portfolio value. For the initial period of an
        engagement, the fee is calculated on a pro rata basis.
        Publicly traded securities in your account(s) managed by us are held at the custodian that
        we recommend but is ultimately chosen by you. We use the securities valuation provided
        by the independent qualified custodian for reporting and billing purposes. Monthly fees are
        calculated and charged in arrears of portfolio management services being performed. Fees
        are fully disclosed to the Client by way of the written agreement entered into with Decker
        Retirement Planning. The Client acknowledges and agrees that asset management fees
        payable to Decker Retirement Planning will be automatically deducted from the client's
        account. Each time a fee is deducted, statements will be sent to the client describing the
        final fee calculation, how it was calculated and the time period that the fee covered. If fees
        are not deducted from the client account, fees will be paid by check from the client. The
        client will acknowledge these payment options in the client agreement. Upon termination,
        any unearned fees will be refunded to the client on a pro rata basis. A final statement will
        be sent to the client describing the final fee calculation, how it was calculated and the time
        period that the fee covered. Lower fees for comparable services may be available from
        other sources. You may terminate the investment advisory agreement within five business
        days of signing without any penalty. Investment advisory fees charged by us are
        nonnegotiable. All clients do not pay the same fee.
        Decker Retirement Planning will not take an asset management client unless they go
        through the financial planning process.
        In cases when the advisory agreement does not span the full billing period, fees are
        prorated from the date of inception or through the date of termination and refunded to the
        client. The advisor or client may terminate the investment advisory agreement at any time
        with written notice to the advisor at their main office:
        Decker Retirement Planning Inc.
        2889 W Ashton Blvd, Suite 125
        Lehi, UT 84048
        Financial Planning and Consulting
        Hourly Fees
        Decker Retirement Planning enters into a written agreement that explains the services to be
        performed and an estimate of the cost to complete the service. Our fees are determined
        based on the amount of time, complexity of the various parts of the plan and needs of each
        client. Fees are paid upon delivery of the specific work product. The onetime financial
        planning fee is based upon our estimate of the time to complete your plan at our hourly
        rate of $250 per hour. Client may cancel at any time prior to delivery of the plan with no
        obligation. Decker Retirement Planning reserves the right to waive planning and consulting
        fees for family, employees of Decker Retirement Planning and its affiliated companies, and
        some non-family members. Our hourly fee, services, and estimate are discussed and agreed
        upon.
        The following services are available and provided to all our financial planning clients and
        provided as part of our financial planning service:
Income Preparation - We examine the client’s situation and estimate future income needs and
potential sources.

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Tax Saving Approaches - We explore potential ways of reducing the amount of taxes the client will
pay.
Asset Security – We review the current assets owned by clients and explore and might recommend
ways to protect assets from different kinds of unforeseen risks.
Risk Reduction – We discuss and examine the client’s situation and investigate whether potential
and existing risks can be mitigated through proper planning or purchasing protection to shift risks
to others.
Portfolio Analysis – We examine client’s existing portfolio of investments and discuss and
...

Item 7: Types of Clients

Description
Decker Retirement Planning generally provides investment advice to individuals, pension and
profit-sharing plans, trusts, estates, charitable organizations, and corporations and other business
entities.
Client relationships vary in scope and length of service.
Account Minimums
Decker Retirement Planning does require a minimum of $300,000.