Impact Retirement Advisors LLC

Item 5: Fees and Compensation
Please note, unless a Client has received this brochure at least 48 hours prior to signing an Advisory Contract,
the Advisory Contract may be terminated by the Client within five (5) business days of signing the Advisory
Contract without penalty.

How we are paid depends on the type of advisory services we perform. Below is a brief description of our
fees, however, you should review your executed Advisory Contract for more detailed information regarding
the exact fees you will be paying. No increase to the agreed-upon advisory fees outlined in the Advisory
Contract shall occur without prior Client consent. Please note, lower fees for comparable services may be
available from other sources.

Investment Management Services

The fee is generally based on a percentage of assets under management and is negotiable. The annualized
fees for investment management services are generally based on the following fee schedule:

                     Assets Under Management                     Annual Advisory Fee
                            $0 - $1,000,000                           Up to 1.75%
                        $1,000,001 - $2,500,000                           1.25%
                        $2,500,001 - $5,000,000                           1.00%
                       $5,000,000 - $10,000,000                           0.90%
                       $10,000,000 - $12,500,000                          0.85%
                        $12,500,000 and Above                             0.75%

Generally, the annual advisory fee is paid monthly in arrears based on the value of the Client’s account(s) as
of the last day of the billing period. The advisory fee is a straight tier. For example, for assets under
management of $2,000,000, a Client would pay 1.25%. In some cases, if agreed upon by both parties, the
annual advisory fee may be paid quarterly in arrears based on the value of Client’s account(s) as of the last
day of the billing period.

In certain circumstances, a fixed fee for services may be offered as an option. The fees or how the fees are
billed may be negotiable on a client-by-client basis depending on a number of factors, including the type and
nature of services to be provided, the amount of assets to be managed, complexity of the account, and/or
anticipated future additional assets and accounts. As with all fee schedules, the specific annual fee schedule
is identified in the Advisory Contract.

In determining the advisory fee, we may allow accounts of members of the same household to be aggregated.
IRA relies on the valuation as provided by the Client’s custodian in determining assets under management.
Our advisory fee is prorated for any partial billing periods occurring during the engagement, including the
initial and terminating billing periods. Clients may make additions or withdrawals from their account at any
time; however, IRA reserves the right to adjust our advisory fees on a pro-rata basis on account of any such
cash-flow transactions.

If IRA utilizes an Outside Manager, the above fee schedule includes the Outside Manager’s fee. The Outside
Manager will debit the Client's account for both the Outside Manager's fee, and IRA's advisory fee, and will
remit IRA's fee to IRA.

Ongoing Financial Planning

We charge a recurring fixed fee for Ongoing Financial Planning. Generally, fees are paid monthly in arrears,
ranging from $50 to $150. The fee range is dependent upon variables including the specific needs of the Client,
complexity, estimated time, research, and resources required to provide services to you, among other factors
we deem relevant. As discussed above under Investment Management Services, the frequency, fee, or type
of fee can also be negotiable depending on a variety of factors, and the final agreed upon fee will be outlined
in your Advisory Contract.

IRA collects an initial fee, no greater than $1,500. The initial fee covers the initial construction of the
comprehensive financial plan. This work will commence immediately after the fee is paid, and the length of
time required to complete and deliver the plan is dependent on several factors including the needs of the
Client, the Client’s ability to provide any necessary information and documentation, as well as the complexity
of their financial situation. IRA may reduce or waive the initial fee at our discretion. At no time do we require
prepayment of $1,200 or more six months or more in advance of rendering the services.

Project-Based Financial Planning
We generally charge a fixed fee for Project-Based Financial Planning. Fixed fee rates range from $500 to
$3,000. The fee range is dependent upon variables including the specific needs of the Client, complexity,
estimated time, research, and resources required to provide services to you, among other factors we deem
relevant. Fees are negotiable and the final agreed upon fee will be outlined in your Advisory Contract. Fees
are due upon completion of the services. In certain circumstances, the Advisor may, at its sole discretion,
waive the fee for a one-time financial plan. IRA will not bill an amount above $1,200 more than 6 months or
more in advance of rendering the services.

Retirement Plan Consulting/Management
The fee is based on a percentage of assets under management and is negotiable. The annualized fees is based
on the following fee schedule:

                     Assets Under Management                      Annual Advisory Fee
                            $0 - $1,000,000                         $7,500 (fixed fee)
                        $1,000,001 - $3,500,000                           0.50%
                        $3,500,001 - $7,500,000                           0.45%
                       $7,500,000 - $13,500,000                           0.40%
                       $13,500,000 - $20,000,000                          0.35%
                        $20,000,000 and Above                             0.30%
...

Item 7: Types of Clients
We provide financial planning and investment management services to individuals, high net-worth individuals,
pension and profit sharing plans, charitable organizations, corporations, or other businesses.

We do not have a minimum account size requirement to open or maintain an account.