Know Your Options LLC

Item 5 Fees and Compensation

  With respect to financial planning, when a conflict exists between the interests of the
  investment adviser and the interests of the client, the client is under no obligation to act upon
  the investment adviser's recommendation. If the client elects to act on any of the
  recommendations, the client is under no obligation to affect the transaction through the
  investment adviser.

Conflicts may include, but are not limited to, when an advisor is also registered as a futures
broker and recommends a transaction on behalf of an advisory client. When a futures
transaction is executed, the IAR is no longer operating in a fiduciary capacity and is collecting
commissions versus investment advisory fees. These commissions are then paid to RCM

 Wealth Advisors by the affiliated entity. Other conflicts may include but are not limited to when an
 IAR is recommending an insurance product for an advisory client, the IAR is again no longer
 operating in a fiduciary capacity, but as an insurance agent for an affiliated insurance company.
 These commissions are then paid to RCM Wealth Advisors by the affiliated entity.
 RCM Wealth Advisors mitigates such conflicts by properly disclosing the nature of the
 relationship with all affiliated companies.

 Currently, the firm does not have a registered representative of a broker-dealer.

                      INVESTMENT PORTFOLIO MANAGEMENT FEES

The annualized fees for investment portfolio management are charged as a percentage of assets
under management, according to the following schedule:

               Assets Under Management               Annual Fee

               $0 - $100,000                                 2.0%
               $100,000 - $500,000                           1.75%
               $500,000 - $1,000,000                         1.5%
               $1,000,000 - $5,000,000                       1.25%
               $5,000,000+                                   1.0%

Our fees are billed quarterly, in advance, at the beginning of each calendar quarter. The fee will be
calculated on the ending daily balance for the preceding period or the ending daily balance for the
partial preceding period for new accounts and billed to the client's account.

Fees will be debited directly from the client's account in accordance with the client signed
authorization located in the Investment Advisory Agreement.

Transaction fees a re paid by the client, as agreed in the initial Investment Advisory Contract. Clients
may request a Fee Schedule at any time by contacting Tim Webb at twebb@rcmfs.com or 866-903-
1822. The fees of RCM Wealth Advisors will vary based on the specific custodial relationship
affecting the client's account.

A minimum of $25,000 of assets under management is required for this service. This account size
may be negotiable under certain circumstances. RCM Wealth Advisors may group client accounts
for the purposes of achieving the minimum account size and determining the annualized fee.

Lower fees for comparable services may be available from other sources.

Limited Negotiability of Advisory Fees: Although RCM Wealth Advisors has established the
aforementioned fee schedule(s), we retain the discretion to negotiate alternative fees on a client by
client-by-client basis. Client facts, circumstances and needs are considered in determining the
fee schedule. These include the complexity of the client, assets to be placed under management,
anticipated future additional assets; related accounts; portfolio style, account composition,

reports, among other factors. The specific annual fee schedule is identified in the contract
between the adviser and each client.

Discounts, not generally available to our advisory clients, may be offered to family members
and friends of associated persons of our firm.

                                 NON-DISCRETIONARY FEES

A minimum of $25,000 of assets under management is required for this service. The fees
charged will be either a $500 annual minimum fee or .5% (50 basis points) on the assets held
in the account. The maximum fee charged will not exceed 3% of overall portfolio.

The transaction fees are:

Charles Schwab:
Options Purchases and Sales: $.35 per option
Stocks/ETFs: $0
Mutual Funds: $14.95
Any applicable exercise or assignment fees.

Interactive Brokers:
Options Purchases and Sales: $.25 per option plus exchange fees
Stocks/ETFs: $.01 per share/$1 minimum ticket charge plus exchange fees
Any applicable exercise or assignment fees.

                             Managed Asset Portfolios (MAP) Fees

 In addition to our regular discretionary and non-discretionary account programs, we also offer our
 customers the opportunity to participate in our internal investment strategies, each of which entails
 specific fees as described below.

 Managed Asset Portfolios - The Managed Asset Portfolios (MAP) are designed to assist investors
 with reasoned, systematic, long-term investments, tailored to the risk tolerance and investment
 objectives of our clients.

 The particular allocation weightings of the portfolio to each asset class are based on clients’ unique
 individual needs, investment objectives, financial and tax status, investment risk tolerance, and other
 factors. The client has the option of enrolling in the MAP Select program, for which they can pick a
 combination of the strategies described below or simply enrolling in one of the strategies described
 below. The additional fee for the MAP Select combination program is .5% (50 basis points). The fee
 for the individual strategy is stated next to the strategy name. Remember- if you enroll in the MAP
 Select program, you will simply pay a flat .5% (50 basis points) fee rather than any of the stated fees
 for the individual strategies. Single Manager strategies, described at the end of this Section, do not
 require additional fees.
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Item 7 Types of Clients

RCM Wealth Advisors provides advisory services to the following types of clients:

       •   Individuals (other than high net worth individuals)
       •   High net worth individuals
       •   Pension and profit-sharing plans (other than plan participants)
       •   Corporations or other businesses not listed above

As previously disclosed in Item 5, our firm has established certain initial minimum
account requirements, based on the nature of the service(s) being provided. For a
more detailed understanding of those requirements, please review the disclosures
provided in each applicable service.