Ideal Retirement Solutions LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

         Total Assets Under Management             Annual Fees
         All Assets                                1.50%

The fee schedule is a single tier schedule. Please see below for example.

Fee formula description: For purposes of calculating the client’s portfolio management fees
described above, an example is offered below for a sample $1,000,000 account:

-   For the client’s account(s) of $1,000,000 the adviser will charge an annual fee of 1.50% as
    described above, resulting in an annual fee of $15,000.

IRSL uses the value of the account as of the last business day of the billing period, after
taking into account deposits and withdrawals, for purposes of determining the market
value of the assets upon which the advisory fee is based.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of IRSL's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract generally
with 7 days' written notice.

As part of our portfolio management services, IRSL has contracted with Signal Advisors
Wealth, LLC (“Signal Wealth”), an independent RIA, to provide us with assistance with
some or all of the following administrative tasks:
   • Trade processing
   • Collection of advisory fees
   • Invoicing
   • Reporting
   • Recordkeeping
   • Other similar forms of assistance.

In exchange for these services, IRSL pays Signal Wealth a fee that is calculated as a
percentage of the aggregate market value of the client accounts they service on our behalf.
These fees are absorbed within the advisory fees you pay to IRSL. You do not incur any
additional fees when we elect to utilize Signal Wealth or the Signal Platform in
administering your account(s). IRSL does not receive any referral compensation in
exchange for utilizing Signal Wealth’s services.

Fee-Based Annuity Program Fees

IRSL generally charges an advisory fee of up to 1.50% annually for assets held within its
Fee-Based Annuity Program.

However, all fees are negotiable at the sole discretion of the Adviser and may be lower based on
factors such as:

   •   Size of the overall client relationship
   •   Scope and complexity of services provided
   •   Types of assets held
   •   Legacy fee arrangements or pre-existing client relationships

The specific advisory fee applicable to each client will be disclosed in the client’s Investment
Management Agreement (“IMA”).

The advisory fee for fee-based annuity assets may differ from the fee charged on other portfolio
assets.

Estate Document Planning Fees
Fees for estate planning coordination services generally range between $0 and $2,499 and
are charged separately from IRSL’s investment advisory fees. Fees are generally
negotiable, subject to internal guidelines and eligibility criteria established by the firm,
and may be reduced or waived for certain clients.

All estate planning coordination fees are governed by a separate estate planning
coordination agreement between IRSL and the client, which outlines the scope of services,
access period, and applicable fees. Clients may terminate the estate planning coordination
agreement without penalty within five business days of signing for a full refund of any
applicable fees.

Subscription Services Fees

For continued access to the Wealth.com platform beyond the initial estate planning
coordination period, clients may elect to enroll in a subscription service. Subscription fees
are generally expected to be approximately $40 per month or $200 semi-annually. Fees are
generally negotiable, subject to internal guidelines, and pricing and service levels may
vary based on the terms selected by the client.

Subscription fees, eligibility for specific features, and service levels are governed by a
separate estate planning coordination or subscription agreement. In certain
circumstances, IRSL may reduce or waive subscription fees for eligible clients, and
discounted subscription arrangements may include limitations on available features.
Clients may terminate the subscription agreement without penalty within five business
days of signing for a full refund of any applicable fees.

B. Payment of Fees

Payment of Portfolio Management Fees

 Asset-based portfolio management fees are withdrawn directly from the client's accounts
 with client's written authorization on a monthly basis. Fees are paid in arrears.

 Payment of Fee-Based Annuity Program Fees

 Fee-Based Annuity Program fees are generally deducted directly from the client's fee-
 based annuity account with the issuing carrier, where permitted, with client's written
 authorization. Fees are billed monthly in arrears.

 Payment of Estate Document Planning Fees

 Fees for estate planning coordination services and any associated subscription services
 are separate from IRSL’s investment advisory fees and are collected in advance prior to
 the client’s access to the Wealth.com platform. These fees are governed by the applicable
 estate planning coordination agreement.

 Clients may terminate the applicable agreement without penalty within five business
 days of signing for a full refund of any applicable prepaid fees.

 Payment Subscription Services Fees

 There may be an initial period during which no subscription fee is charged in connection
 with the estate planning coordination engagement. Following the conclusion of the initial
 access period, fees for continued subscription services, if elected by the client, are collected
 in advance through AdvicePay and may be billed on a monthly or semi-annual basis,
 pursuant to the terms of the applicable estate planning coordination or subscription
 agreement.

 C. Client Responsibility For Third Party Fees
...

Item 7: Types of Clients

IRSL generally provides advisory services to the following types of clients:

       ❖       Individuals
       ❖       High-Net-Worth Individuals

There is no account minimum for any of IRSL’s services.