Guided Choice Asset Management Inc

ITEM 5: FEES AND COMPENSATION
Under the GuidedChoice Brand
Plan Level Service Fees
Fees are negotiated with plan providers and plan sponsors. The services provided
and the fees for those services are outlined in the agreement between GCAM and the
client. Fees vary depending upon the elected services and are typically a flat annual
fee and may include a basis point fee. The flat fee is paid in advance and basis point
fees are charged periodically.

The payment schedule and method, termination and refund procedures are outlined
in the agreement between GCAM and the client.

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Individual Level Service Fees
Retail Advice Services
Individuals who access the GuidedChoice Advisory Service through our retail portal
do so on a subscription basis. Retail subscriptions may include access to education,
tools, and one or more advisory features, such as the accumulation module and the
retirement income planning module. Subscription fees are up to $299 per year,
depending upon access to features.

Fees are charged to the payment method provided by the individual at the time of
purchase, and then automatically each month or year after that, unless the
subscription is canceled within the Advisory Service prior to the next billing cycle.

Retail clients may contact the GuidedChoice Call Center at 1-800-774-7459 with
questions regarding services, billing, or cancellations. Fees are subject to change and
GCAM may offer promotional pricing or discounted pricing to certain clients.

GCAM does not sell investments and receives no compensation or commissions tied
to the recommendation or inclusion of any specific investment in the advisory
process.
Guidance and Advice Services
Participants in an employer-sponsored retirement plan that is engaged with
GuidedChoice typically have access to the Advisory Service’s accumulation planning
and retirement income planning modules. In certain plan arrangements, these
guidance and advice services are provided at no direct cost to the participant, as
fees (if any) may be paid by the plan provider, plan, or plan sponsor.

In certain plan arrangements, participants may be charged a fee for access to the
retirement income planning portion of the Advisory Service. When applicable, this
fee may be charged on a monthly or annual basis and will not exceed $299 per year.
The retirement income planning service provides participants with a personalized
distribution strategy for all household retirement accounts.

Additional information regarding plan-specific fees can be obtained by contacting
GuidedChoice Customer Service at 800-242-6482. Fees are subject to change, and
promotional or discounted pricing may be offered to certain clients.

GCAM does not sell investments and receives no compensation or commissions tied
to the recommendation or inclusion of any specific investment in the advisory
process.
Managed Account Fees
Participants in an employer-sponsored retirement plan may elect to upgrade from
guidance and advice services to a managed account, under which GCAM assumes
discretionary authority to manage the participant’s investments within the plan.

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Managed account fees are typically assessed as an annual percentage of assets
under management and are usually up to 0.45%. Fees are prorated and billed
quarterly based on the account balance at the time of billing. In some plan
arrangements, the managed account fee may apply only to the first $100,000 of
assets in the account, effectively capping the participant’s annual fee.

Alternatively, a plan sponsor or plan provider may agree to pay a quarterly fee
based on a percentage of the value of the aggregate assets with respect to which
GCAM provides managed account services at the beginning or end of the quarter.
Fees usually are deducted directly from accounts unless the plan sponsor or plan
provider pays all or any part of the fee. Fees may be negotiable at the plan provider,
plan, or plan sponsor level.

Questions can be answered by contacting GuidedChoice Customer Service at 800-
242-6482. Fees are subject to change and GCAM may offer promotional pricing or
discounted pricing to certain clients.

GCAM does not sell investments and receives no compensation or commissions tied
to the recommendation or inclusion of any specific investment in the advisory
process.

Sub-advisory Fees
GCAM may offer services to clients of financial institutions through our sub-advisory
services offered to the financial institution. The financial institution is paid an
investment advisory fee by the client from whom GCAM may receive a sub-advisory
fee. Fees are negotiated between the financial institution and GCAM and are
calculated usually based upon the number of clients using our services, the assets in
accounts receiving our advisory services, or flat fees.

Other Fees
GCAM may charge implementation fees, development fees, licensing or platform
fees, and fees for other services, such as the telephone service center, printing, and
mailing. These fees are negotiated with the plan provider, plan sponsor, financial or
other institution, or other service providers, and are based upon the services
provided.

Our fees are separate from fees and expenses charged by the investments or any
other plan provider. GCAM does not sell any investments nor earn any
compensation or commission from investments recommended in the advisory
process.

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Under the 3Nickels Brand
Subscription-based Premium Version
The 3Nickels Premium version offers education, tools, and investment advice on all
accounts for a subscription fee of up to $14.99 per month or, in some instance, paid
annually in advance, depending upon access to features. If purchase is made via the
individual’s App Store or Google Play account, payment will be charged to that
account upon confirmation of purchase, and then automatically each month or year
after that, unless auto-renew is turned off or the subscription is canceled. If
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ITEM 7: TYPES OF CLIENTS
Under the GuidedChoice Brand
Our guidance, advice, and managed account services described in this brochure are
typically offered to individuals in a qualified retirement plan. In certain
circumstances, we provide advisory services to qualified Plans where the Plan itself
is an advisory client of GCAM. We also offer services directly to individuals through
our web site’s retail portal. Managed account services are offered to individuals and
Participants in qualified retirement plans. We do not require a minimum balance to
use our services and generally do not impose any other conditions to use the
services.

We also provide investment advisory services to institutional clients such as
financial and other institutions, service providers, and qualified plans.

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Under the 3Nickels Brand
Our guidance and advice services described in this brochure are typically offered to
retail clients and individuals associated with plan sponsors, as well as clients of
institutions and service providers. We do not require a minimum balance to use our
services and generally do not impose any other conditions to use the services.