Main Line Retirement Advisors LLC

Fees and Compensation
Fees for Individual Wealth Management Services
We offer our individual wealth management services on a fee basis, which is based
on a percentage of the assets under management in your account(s). In addition to
our advisory fee, you may also incur transaction fees, including custodian charges,
brokerage commissions, transaction costs, reporting and withdrawal fees and other
account expenses associated with the management of your investment account.
Specifically, in addition to our fee, you may incur the following additional costs: .

 custodial fees,
 brokerage commissions,
 transaction fees,
 internal fees and expenses charged by mutual funds or exchange traded funds
  (“ETFs”), and
 other fees and taxes on brokerage accounts and securities transactions.

Fees for Corporate Retirement Consulting
Depending on the scope of the engagement, annualized fees range from 15 to 65
basis points (0.15% - .65%) based on the total plan assets. These asset-based fees
are charged in advance generally on a quarterly basis and on a blended tiered basis.
The fee will be calculated based on the value of the Program Assets in the account
on the last day of the previous quarter, as determined by the account custodian.

There is no proration of fees based upon inflows or outflows during a calendar
quarter. All fees are in addition to any fees paid for brokerage or custody
arrangements (see below). In addition, fees to the plan administrator are covered
under separate agreement between the two parties. Fees are invoiced to the plan
sponsor and are automatically debited from the plan assets pursuant to written
agreement. All fees are negotiable depending upon the size and complexity of the
plan assets and program offered. Advisor may amend the fee amount with 90 days
written notice to the plan sponsor.

You must authorize us to have the custodian/broker-dealer pay us directly by
charging your account. This authorization must be provided in writing. One-fourth
of the annual fee is charged each calendar quarter.
                              Quarterly Fee Calculation

                   Assets under Management X Annual Fee ÷ 4 =
                                  Quarterly Fee

Your custodian/broker-dealer provides you with statements that show the amount
paid directly to us. You should review the custodian/broker-dealer’s statement and
verify the calculation of our fees. Your custodian/broker-dealer does not verify the
accuracy of fee calculations.
In addition to our fee, you may be required to pay other charges such as:

 custodial fees,
 brokerage commissions,
 transaction fees,
 internal fees and expenses charged by mutual funds or exchange traded funds
  (“ETFs”), and
 other fees and taxes on brokerage accounts and securities transactions.

The asset-based advisory fee payable for management of Held Away Account
assets (as defined below in Items 4 and 15) will be deducted directly from one of
your other custodian/broker-dealer accounts. If there are insufficient funds
available in another account or if we believe that deducting the fee from another
account would be prohibited by applicable law, we will invoice you. Invoices must
be paid within thirty (30) days of receipt and will bear interest after it becomes
due and payable and shall continue to accrue interest until payment is made at a
rate equal to the lesser of either (a) two percent (2%) above the prime rate as
reported by Federal Reserve Bank of New York, located in New York, New York, as
of the date such payment was due and payable, or (b) the maximum rate
permitted by applicable law. In the event you terminate our advisory agreement,
all prepaid advisory fees will be returned to you on a pro rata basis determined by
the number of days remaining in the quarter of termination.

Mutual fund companies, ETFs, and variable annuity issuers charge internal fees and
expenses for their products. These fees and expenses are in addition to any advisory
fees charged by us. Complete details of these internal fees and expenses are
explained in the prospectuses for each investment. You are strongly encouraged to
read these explanations before investing any money. You may ask us any questions
you have about fees and expenses.

If you purchase mutual funds through the custodian/broker-dealer, you may pay a
transaction fee that would not be charged if the transactions were made directly
through the mutual fund company. Also, mutual funds held in accounts at
brokerage firms may pay internal fees that are different from funds held at the
mutual fund company.

While you may purchase shares of mutual funds directly from the mutual fund
company without a transaction fee, those investments would not be part of our

advisory relationship with you. This means that they would not be included in our
investment strategies, investment performance monitoring, or portfolio
reallocations.

Please be sure to read the section entitled “Brokerage Practices,” which follows later
in this brochure.

Fees for Third Party Investment Advisory Services
The advisory services provided by third party investment managers, such as
Vanguard Third Party Investment Advisory Services, and the fees they charge for
those services are detailed in their respective disclosure brochures. We will provide
you with a copy of the brochure for each investment manager recommended to you.
The fees paid to third party investment managers are in addition to the fees paid to
us for the advisory services provided by us and will appear separately on your
custodial statements.

For Vanguard Third Party Investment Advisory Services, customers will pay .20% of
assets under management for the first $50 million, .18% for assets of $50 million to
$100 million, and .15% for assets of $100 million to $500 million.

Compensation for the Sale of Securities or Other Investment Products

Our advisory representatives do not collect any other forms of compensation.

Types of Clients

We also provide retirement plan services to corporations or business entities
including their pension and profit-sharing plans.

As a condition for starting and maintaining an advisory relationship, we generally
require for investment advisory services is $1,000,000. We, at our sole discretion,
may accept clients with smaller portfolios based upon certain factors including
anticipated future earning capacity, anticipated future additional assets, account
composition, related accounts, and pre-existing client relationships. We may
consider the portfolios of your family members to determine if your portfolio meets
the minimum size requirement.

Methods of Analysis, Investment Strategies and Risk of Loss

We select specific investments for your portfolios through the use of fundamental
and technical analysis, as well as, charting.

Fundamental analysis is a method of evaluating a company that has issued a security
by attempting to measure the value of its underlying assets. It entails studying
overall economic and industry conditions as well as the financial condition and the
quality of the company’s management. Earnings, expenses, assets, and liabilities are
all important in determining the value of a company. The value is then compared to
the current price of the issuing company’s security to determine whether to
purchase, sell or hold the security.

Technical analysis is a method of evaluating securities by analyzing statistics
generated by market activity, such as past prices and volume. Technical analysts do
not attempt to measure a security's intrinsic value, but instead use charts and other
tools to identify patterns that can suggest future activity.

Charting involves identifying patterns that can suggest future activity in price
movements. A chart pattern is a distinct formation on a stock chart that creates a
trading signal or a sign of future price movements. Chartists use these patterns to
identify current trends and trend reversals to trigger buy and sell signals. Some of
the chart types are Line Charts, Bar Charts, Candlestick, Point and Figure, etc.

Although we manage your portfolio in a manner consistent with your risk tolerances,
there can be no guarantee that our efforts will be successful. You should be
prepared to bear the risk of loss.

All investments involve the risk of loss, including (among other things) loss of
principal, a reduction in earnings (including interest, dividends and other
distributions), and the loss of future earnings. These risks include market risk,
interest rate risk, issuer risk, and general economic risk.

Our investment strategies may include long-term and short-term purchases and
sales, and the use of options, and trading (securities sold within 30 days). You may
place reasonable restrictions on the strategies to be employed in your portfolio and
the types of investments to be held in your portfolio.