Great Lakes Retirement Inc

ITEM 5: FEES AND COMPENSATION

Fee Schedule

Discretionary Investment Management Fees

                Total Assets Under Management                 Annual Fee
                         $0 - $500,000                           1.50%

                     $500,001 - $1,500,000                       1.10%

                     $1,500,001 - $2,500,000                     0.95%

                     $2,500,001 - $5,000,000                     0.85%

                    $5,000,001 - $10,000,000                     0.75%

                         $10,000,000 +                        Negotiable

GLR discretionary investment management fees are charged according to the schedule above.
Although the firm requires an account minimum of $250,000, the minimum may be waived at
GLR’s discretion based on the needs of the client and the complexity of the engagement. GLR
charges a $100 annual administration fee per household with less than $250,000 in assets under
management.

Fees are charged on all managed assets including money market funds and cash equivalents. Fees
are calculated using a flat percentage rate and not a tiered rate and are withdrawn directly from
the client's accounts upon client written authorization in the Investment Management
Agreement.

Accounts under $10,000,000 may be negotiable, and the final fee schedule will be determined
when completing the Investment Management Agreement. Fees are paid quarterly in arrears, and
clients may terminate their account with five days' written notice. If the account(s) are removed
from our Custodian prior to giving five day’s written notice, a final prorated fee for the quarter
will be invoiced to the client that will also include a $50/account termination fee.

Alternative investments, including but not limited to, non-traded REIT’s, Hedge Funds, Interval
Funds, Private Placements, Private Equity, Private Debt, Opportunity Zones & Donor Advised
Funds may be used as an investment vehicle within managed accounts to accredited investors
and/or qualified purchasers. Sub-Advisor and/or Third-Party manager fees may also apply.

Fees Related to Sub-Advisors and Third-Party Managers

Depending upon the needs of the client, GLR may use sub-advisors and third-party money
manager(s). The money manager will provide model portfolios and assume responsibility for

Form ADV Part 2A

rebalancing and weighting clients' accounts.

Fees for sub-advisors and/or third-party managers range from 0.16% - 0.75%, depending on the
investment strategy and which sub-advisor and/or third-party manager is being utilized. These
fees are in addition to GLR fees

Non-Discretionary Investment Management

GLR may provide non-discretionary investment management services where the account will be
charged a flat annual fee of 0.20%. Fees are paid quarterly in arrears and pulled directly from the
client’s account. The fees may be negotiable, and the final fee schedule will be determined when
completing the Investment Management Agreement. Clients may terminate their agreement
without penalty within five business days of the signed Fee Agreement or Investment
Management Agreement. Written notice is required.

Financial Planning Fees

Fees for financial planning services vary depending upon the complexity of the situation and the
needs of the client. Fees for financial plans range from $1,000 to $25,000, but services may be
provided at no charge in some instances. Fees are charged in advance, but never more than six
months in advance. The fees are negotiable, and the final fee schedule will be noted in the final
fee schedule attached as Exhibit I of the Financial Planning Agreement. The firm may also at its
discretion credit financial planning fees paid by a client toward future investment advisory fees
if the financial plan is implemented within 60 days. Clients may terminate their agreement
without penalty within five business days of the signed Financial Planning Agreement. Written
notice is required.

Payment of Fees

Payment of Discretionary Investment Management Fees

Investment management fees are withdrawn directly from the client's accounts with client
written authorization. Fees are paid quarterly in arrears.

For held away assets managed through Pontera, we do not have the ability to deduct fees from
the retirement plan account directly. As such, fees for the management of held away assets will
be withdrawn directly from a separate Non-Qualified account that is either being managed or on
our qualified Custodian(s) platform.

Payment of Sub-Advisor and Third-Party Manager Fees

Sub-Advisor and third-party manager fees are withdrawn directly from the client's accounts with
client written authorization. Fees are paid monthly or quarterly in arrears or in advance
depending on which sub-advisor or third-party money manager is used.

Form ADV Part 2A

Payment of Non-Discretionary Investment Management Fees

Investment management fees are withdrawn directly from the client's accounts with client
written authorization. Fees are paid quarterly in arrears.

Payment of Financial Planning Fees

Financial planning fees are paid via check in advance, but never more than six months in advance.

Clients Are Responsible for Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e., custodian fees, mutual fund
fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses
charged by GLR. Please see Item 12 of this brochure regarding broker/custodian.

Prepayment of Fees

GLR collects some financial planning fees in advance. Fees that are collected in advance will be
refunded upon termination based on the prorated amount of work completed at the point of
termination and the total days during the billing period. Fees will be returned within fourteen
days to the client via check.

Outside Compensation for the Sale of Securities to Clients
Neither GLR nor its supervised persons accept any compensation for the sale of securities or other
...

Types of Clients:

         ❖         Individuals

         ❖         High-Net-Worth Individuals
         ❖         Pension and Profit-Sharing Plans
         ❖         Corporations or Business Entities

Form ADV Part 2A

Minimum Account Size

There is an account minimum, $250,000, which may be waived based on the needs of the client
and the complexity of the situation.