KRM Financial Planning & Wealth Management LLC

Item 5. Fees and Compensation
Investment Management Services

For the services contemplated in Item 4 of this brochure, KRM charges an asset-based fee based
on the following blended fee schedule:

   Assets Under Management               Annual Fee
         $0 to $500,000                    1.25%
   Next $500,001 to $1,000,000             0.75%
  Next $1,000,001 to $2,500,000            0.65%
      $2,500,001 and above                 0.55%

Fees are billed monthly in arrears based on the closing value of the prior month. Deposits and
withdrawals are prorated based on the number of days in the month. Note, this is a blended fee
schedule, so a $1,000,000 account would be billed 1.25% on the first $500,000 and 0.75% on the
next $500,000 for a blended rate of 1.00%. Advisory fees are dependent upon several factors
including average account size, number of accounts, fee structures of third-party model providers,
if applicable.

General Information on Fees
Comparable services may be obtained from other advisers at a lower rate, and KRM’s advisory
fees are negotiable. The fee charged is calculated as described above, and is not charged on the basis
of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of an
advisory client (SEC Rule 205(a)(l)).
In addition to KRM’s fees, clients will be responsible for third-party manager fees, trading costs,
custodian fees, transfer taxes, SEC fees and related fees.
Clients may terminate any client agreement any time as provided therein or otherwise terminate that
client’s participation in the Program. clients will not be charged a fee if the agreement is terminated
within the first five days.
All fees paid to KRM for investment advisory services are separate and distinct from the fees and
expenses charged by registered investment companies (such as mutual funds, exchange-traded
funds, closed-end funds, and structured products) and to their shareholders. These fees and
expenses are described in each fund's prospectus. These fees will generally include a management
fee, other fund expenses, and occasionally a marketing/distribution fee. A client could invest in a
registered investment company directly, without the services of KRM. In that case, the client
would not receive the services provided by KRM which are designed, among other things, to assist
the client in determining which mutual fund or funds are most appropriate to each client’s financial
condition and objectives.
KRM’s advisory professionals may receive commission-based compensation for the sale of insurance
products. Please see Item 10 for detailed information and conflicts of interest.

Financial Planning Services

Hourly fees range from $250 per hour and up, and fixed fee services range from $1,500 to $50,000.
These are negotiated fees based on the scope and complexity of the services provided. Clients may

be invoiced directly, monthly in arrears for financial planning and/or consulting services charged on
an hourly or flat fee basis.

Retirement Plan Consulting Services

The annual fees range from 0.25% to 1.50%, which may be deducted from plan assets or invoiced,
monthly in arrears. These are negotiated fees based on the scope and complexity of the services
provided.

Item 7. Types of Clients
KRM primarily provides customized investment management services to individuals, trusts,
foundations, endowments, pension and profit-sharing plans, and businesses.
KRM does not have a minimum account size.