Kiplinger Investment Advisors LLC

ITEM 5 – FEES AND COMPENSATION
FINANCIAL PLANNING CONSULTATION SERVICES
Financial planning consulting services generally cost between $300 and $10,000. The fixed fee
varies depending on the nature and complexity of your individual circumstances and the number
of areas covered by the written financial plan. In some instances, depending on the complexity
of the services to be provided, we may charge a retainer fee of 25% of the total fee. The
remainder of the fee will be due upon completion and presentation of the plan. If no retainer
fee is charged, fees will be due and payable upon completion and presentation of the plan.
Financial Planning fees are negotiable; your agreement will show the amount you will be charged
to complete the scope of services. We will then determine how the fee is to be paid.
ASSET MANAGEMENT SERVICES
The annual management fee ranges from 0.70% to 2.00% and is negotiable. The exact fee or fee
schedule charged is disclosed to you prior to services being provided. We may “bundle” related
accounts to achieve a break on management fees. Account bundling can be done only on
accounts with the same fee schedule and with clients in the same immediate family or under
the same qualified plan. When accounts are bundled monthly custodian reported account
balances for all of bundled accounts is used to determine the fee percentage from the fee
schedule. The percentage is then applied to each account and a fee is charged to each
respectively. Certain clients may be billed based on previous retired fee schedules.
Typically, management fees are automatically deducted from your account according to an
authorization provided in the client agreement. On an exception only basis, you may have
management fees paid from other accounts or have us bill you directly by invoice. In such cases,
the management fee is noted as zero in your custodial statements.
Management fees are billed monthly in advance except for the initial fee. The initial fee is billed
in arrears, prorated based on the number of days those services were provided during the first
billing period. This initial fee is billed at the same time as the first full period fee is billed in
advance. Management fees are calculated at the beginning of each calendar month based on
the custodian reported account value as of the last business day of the previous month. The fee
calculation does not take into account unpriced securities held in the account or days when the
account has a zero balance.
We will ask you to authorize us with the ability to instruct the custodian to directly deduct our
management fee from your account. You may cancel this authorization at any time. Please Item

ITEM 7 – TYPES OF CLIENTS
We offer our services to individuals, banks or thrift institutions, pension and profit-sharing plans,
trusts, estates, or charitable organizations, corporations or business entities, and state and
municipal governmental entities.
We require a minimum account size of $25,000; however, this may be waived at our discretion.