Lifeplan Investment Advisors Inc

Item 5 – Fees and Compensation

For ongoing investment and/or financial planning services provided, LifePlan Investments
Advisors, INC assesses an advisory fee. The information below describes how advisory fees are
structured and administered. Your specific advisory fee and how it is calculated and assessed
is always detailed in your written agreement with us.

The advisory fee (not to exceed 1.5% of total assets), may be paid directly from the client’s
account(s) being managed by us, commonly referred to as an asset based advisory fee, and/or
billed to the client. Asset based advisory fees are calculated, reported to the client and
deducted from a client’s account by the custodian either monthly or quarterly in arrears. No
more than $1,200 is due 6 months or more in advance of services provided. Typical household
assets require a minimum of $1,000,000 when establishing an account(s) managed by us.
Account minimums may be waived at the firm’s discretion.

LifePlan Investment Advisors, INC utilizes third-party technology platforms, such as Orion
Advisor Technology, LLC., to support data reconciliation, performance reporting, fee
calculation and billing, client database maintenance, performance evaluations, and other
functions related to the administrative tasks of managing client accounts. While third-party
technology platforms access client account information using data aggregation from the
custodian, they do not serve as an investment adviser to LifePlan Investment Advisors, INC
clients. Clients may see slight differences in the quarter-end market value of their account from
their custodian’s statement as compared to the market value of their account from Orion, due
to differences in the treatment of accrued interest posting, trade date versus settlement date,
and other variables.

If a client selects the use of a Sub-Advisor or Third-Party Manager, these fees, if any, are
established and disclosed prior to implementation in a written agreement. Sub-Advisor fees
are asset-based fees, or “wrap fees,” which are defined as a fee charged to an account based on
assets under management, not based on transactions in the account. Sub-Advisor fees are
deducted from the client account according to the written agreement. All fees are reported in
client statements provided by the Custodian.

LifePlan Investment Advisors, INC utilizes third party qualified custodians (Such as, but not
limited to, Charles Schwab & Co., Inc.) for client accounts. Client accounts that are not
designated as “wrap fee accounts,” are assessed custodial fees either on an asset basis (a fee
charged to an account based on assets under management) or transactional basis (transaction
fees will be separately charged by the custodian per transaction and charged directly to client
by custodian). The basis on which custodial fees apply is established in a written agreement.

Clients may experience additional custodial fees for additional services if requested such as,
but not limited to, wire transfers, alternative investments, termination fees, check writing,
printed statements, etc. Such fees and expenses are described in the custodial account opening
agreement and/or service agreement.

Total asset based annual fees are those agreed to for investment advisory services (LifePlan
Investment Advisors, INC) and, if applicable, for account services of the Sub-Advisor, Third-
Party Manager, or Custodian. The maximum total asset based annual fees will not exceed 2.0%
with LifePlan Investment Advisors, INC’s portion not exceeding 1.5%.
All fees are subject to negotiation based on the investment adviser representative providing
the services, the type of client, the complexity of the client’s situation, the composition of the
client’s account (i.e. equities vs funds), the potential for additional account deposits, the
relationship of the client with the investment adviser representative, the total amount of assets
under management for the client and the services provided, including estate and tax services.

Any prepaid set fees will be refunded on a pro-rated basis (100% with-in five days). Upon
termination of any account, any prepaid, unearned fees will be promptly refunded, and any
earned, unpaid fees will be due and payable. Fees may be waived at the discretion of LifePlan
Investment Advisors, INC. NOTE: Lower fees for comparable services may be available from
other sources, and you may terminate your agreement in writing at any time and for any
reason.

All fees paid to LifePlan Investment Advisors, INC or any Sub-Advisor, Third-Party Manager, or
Custodian are separate and distinct from the fees and expenses charged by mutual funds
and/or Exchange Traded Funds to their shareholders. Such fees and expenses are described in
each fund’s prospectus and none are paid to LifePlan Investment Advisors, INC.

LifePlan Investment Advisors, INC is not dual registered with a broker-dealer and thus does
not receive any commissions or 12b-1 fees on any securities business.

Item 7 – Types of Clients

LifePlan Investment Advisors, INC may provide investment advisory services to individuals,
high net worth individuals, businesses, corporate pension and profit-sharing plans, 401(k)s,

trusts, estates and charitable organizations, foundations, and endowments. Typical household
assets require a minimum of $1,00,000 when establishing an account(s) managed by us.
Account minimums may be waived at the firm’s discretion.