Elite Retirement Planning LLC

Item 5 – Fees and Compensation

This section describes the fees and compensation MRP receives for the investment advisory services it provides.
Fees for comparable services may be available from other investment advisers or financial professionals.

The specific fees and terms applicable to a client’s account will be set forth in the written investment advisory
agreement between the client and MRP.

Model Portfolio Solutions and Direct Asset Management Services Fees
Fees for Model Portfolio Solutions and Direct Asset Management services are charged as a percentage of assets
under management (“AUM”). Fees are billed in arrears on a monthly calendar basis and are calculated using the
average daily balance of the account during the billing period.

When an account is opened during a billing period, fees are prorated based on the number of days services are
provided during that period. Under the average daily balance method, each day’s account balance for the month is
summed and then divided by the number of days in the month to determine the average daily balance. The average
daily balance is then multiplied by the applicable monthly portion of the annual advisory fee to determine the fee
due.

Cash allocated within a model portfolio will be included in the advisory fee calculation. Cash that is intentionally
held outside of model allocations will generally not be included in the advisory fee calculation.

Fees for Model Portfolio Solutions and Direct Asset Management services are negotiable and may vary based on
several factors, including the type of client, the complexity of the client’s financial situation, the composition of
the client’s account (for example, equities versus mutual funds), the potential for additional deposits, the client’s
overall relationship with the firm, the total amount of assets managed for the client, and the portfolio strategy
selected.

Investment adviser representatives (“IARs”) are permitted to set advisory fees within the range established by the
firm. The maximum annual advisory fee charged by MRP is 2.00% of assets under management. The specific
advisory fee charged to each client will be stated in the client’s Investment Advisory Agreement.

MRP may offer advisory fee discounts in certain circumstances, including for employees of the firm whose
accounts are managed by MRP.

For accounts managed through model portfolios on the AE Wealth Management, LLC (“AEWM”) platform, the
advisory fee paid by the client includes amounts retained by MRP as well as amounts paid to AEWM for platform
services and, where applicable, to third-party model managers whose strategies are utilized within the client’s
portfolio.

MRP believes its advisory fees are reasonable in relation to the services provided and the fees charged by other
investment advisers offering similar services; however, advisory fees charged by MRP may be higher than those
charged by other investment advisers offering similar services.

In most circumstances, advisory fees are deducted directly from client accounts by the qualified custodian.
Clients must authorize the qualified custodian to deduct advisory fees from their accounts and remit those fees to
MRP. In some cases, clients may elect to have advisory fees deducted from a designated account that differs from
the account receiving advisory services.

Clients should carefully review their account statements received from the qualified custodian and verify that
advisory fees have been deducted correctly. The qualified custodian does not verify the accuracy of advisory fees
calculated by MRP.
Merkle Retirement Planning, LLC                        12 of 42                                           Form ADV Part 2A
                                                                                                         Revised 03.11.2026

In certain circumstances, MRP may elect to invoice clients directly for advisory fees rather than deducting fees
from client accounts.

Asset management services provided by MRP are generally offered through a wrap fee program. Under this
arrangement, clients typically pay a single advisory fee based on assets under management, and clients generally
do not pay separate commissions, ticket charges, or custodial fees for the execution of securities transactions
within the account. However, depending on the level of trading activity within the account, the wrap fee structure
may result in higher overall costs than if the client paid separate transaction charges.

In addition to the advisory fees described above, clients may incur certain charges imposed by third parties in
connection with investments made through their accounts. These may include, but are not limited to, mutual fund
and exchange-traded fund internal expenses, 12b-1 fees, index fund expenses, surrender charges, IRA and
qualified retirement plan fees, regulatory fees assessed by the SEC or FINRA, wire transfer fees, and other fees
and taxes on brokerage accounts and securities transactions.

Certain transaction-related costs such as markups, markdowns, bid-ask spreads, and selling concessions may be
included in the net price of a transaction when the custodian acts as principal. These amounts are not separate
charges but are reflected in the price at which securities are purchased or sold.

Clients will also bear fees imposed by third parties such as transfer taxes, odd-lot differentials, certificate delivery
fees, reorganization fees, and other fees required by law. MRP’s advisory fees are separate from and in addition to
the fees and expenses charged by investment companies whose securities may be held in client accounts.
Additional information regarding these fees can be found in the applicable investment prospectuses.

At MRP’s discretion, asset amounts in related household accounts may be aggregated to determine advisory fee
levels. This practice may allow clients to benefit from lower advisory fees based on the total assets managed for
the household.
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Item 7 – Types of Clients

Merkle Retirement Planning generally provides investment advisory services to the following types of clients:

     •   Individuals

     •   High net worth individuals

     •   Trusts, estates, and charitable organizations

     •   Corporations and other business entities

Clients are required to enter into a written investment advisory agreement with Merkle Retirement Planning in
order to establish an advisory relationship.

Merkle Retirement Planning does not impose a minimum account size requirement for investment advisory or
asset management services.

Merkle Retirement Planning, LLC                          20 of 42                                      Form ADV Part 2A
                                                                                                      Revised 03.11.2026