McLaughlin Ryder Investments Inc

Item 5 – Fees and Compensation

The following paragraphs detail the fee structure and compensation methodology for services provided by the Firm.
Each Client engaging the Firm, for services described herein, shall be required to enter into one or more written
agreement(s) with the Firm. Also, no matter what structure of compensation a firm receives for managing customer’s
assets, conflicts of interest are inevitable. MRI attempts to avoid, mitigate, or eliminate these conflicts whenever possible,
and, if not feasible, we disclose these conflicts to our customers. The primary means we have of disclosing these conflicts
of interest to our customers is through this brochure, which is updated not less than annually.

Fees for Advisory Services

Investment Management Services (Wrap Programs)

McLaughlin Ryder Investments, Inc. SEC Form ADV Part 2A Brochure - 12312025

MRI is an investment-based adviser. We offer the clients several different wrap fee programs, which contain different
investment options, as well as different fee structures. The fees for the wrap fee programs are annualized, based on a
percentage of the dollar value of the assets under management in the account. All securities held in accounts managed
by McLaughlin Ryder will be independently valued by the Custodian. McLaughlin Ryder will not have the authority or
responsibility to value portfolio securities.

Fees are based on several factors including the scope and complexity of the services to be provided, the level of assets
to be managed, and the overall relationship with the Firm. All wrap fee programs, and their various fees are stipulated
separately in our Wrap Fee Brochure. Some of our wrap fees are negotiable. Our Wrap Fee Brochure details the
various fees associated with each program, and whether the fees are negotiable or not for each specific program. For
additional information regarding fees and compensation for the different wrap fee programs that MRI offers, please refer
to our Wrap Fee Brochure.

Clients should be aware that if they elect to have a margin debit balance on their account, it will not reduce the market
value of the eligible assets. The use of margin is not suitable for all investors, since it increases leverage in the client's
account; therefore, it is a risk. Please review the Margin Disclosure Statement, and General Account Agreement &
Disclosure Document from Pershing, for more details on risks of margin use.

Fee Billing – Investment Management Services (Wrap Programs)
Investment advisory fees are calculated by the Firm or its delegate and deducted from the Client’s account[s] at the
Custodian. The Firm shall send the equivalent of an invoice to the Custodian indicating the amount of the fees to be
deducted from the Client’s account[s], following the end of each calendar quarter. At inception, the advisory fees are
billed from the date the Client account is opened, through the end of that calendar quarter in advance. Thereafter, fees
are billed in advance for the next calendar quarter, based on the value of the assets at the end of the prior calendar
quarter. The advisory fees may be householded for billing purposes.

Clients will be provided with a statement, at least quarterly, from the Custodian, reflecting deduction of the investment
advisory fee. It is the responsibility of the Client to verify the accuracy of these fees, as listed on the Custodian’s
brokerage statement, as the Custodian does not assume this responsibility. Clients provide written authorization
permitting advisory fees to be deducted by McLaughlin Ryder to be paid directly from their account[s] held by the
Custodian as part of the Investment Advisory Agreement and separate account forms provided by the Custodian.

Advance Payment of Fees and Termination - Investment Management Services
McLaughlin Ryder is compensated for its services at the beginning of the quarter in which investment advisory services
are rendered. Upon written notice, Client Agreements may be terminated by either party, at any time. If the client
terminates the Agreement for an investment advisory program, prior to the end of a quarter, where a fee is charged on
a quarterly basis in advance, a pro rata refund will be made for the investment advisory account, less reasonable start-
up costs. In the event MRI cancels the Client Agreement, fees previously paid to them, per the investment advisory
program Fee Schedule, will be refunded on a pro rata basis, as noted above, less reasonable start-up costs.

Financial Planning and Consulting Services
McLaughlin Ryder may include financial planning services as part of the overall investment advisory fee, or it may be
offered separately. Project-based Consulting engagements may be offered at an hourly rate of up to $750 per hour,
based on the experience of the Financial Professional rendering services and/or the complexity of the services provided.
Fixed fee projects are based on the expected duration to complete the engagement deliverable(s) at the Financial
Professional’s hourly rate. Our Financial Planning fees are calculated on a fixed fee basis, typically ranging from $500
to $2,500, based on the nature and complexity of the services to be provided. Fees may be negotiable based on the
nature and complexity of the services to be provided and the overall relationship with the Financial Professional.

An estimate for total hours and/or costs will be provided prior to engaging for these services. Financial planning and
consulting fees are invoiced to the client, based on the amount pre-determined on the MRI Fee Schedule. Invoicing for
fees can be calculated on an hourly, monthly, quarterly, annually, or flat fee rate. The fee can be invoiced directly to the
client at the time the services are rendered.

Fee Billing – Financial Planning and Consulting Services
Hourly engagement planning fees are paid in arrears. Project-based financial planning fees may include an initial
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Item 7 – Account Requirements and Types of Clients

MRI does not have specific account requirements for clients that are looking for financial planning or ERISA services,
although MRI’s wrap fee programs do have specific requirements. For additional information regarding the account
requirements for our wrap fee programs, please refer to our Wrap Fee Program Brochure.

MRI provides investment advice to individuals, high-net worth individuals, families, trusts, estates, charitable
organizations, and businesses. MRI also provides investment advice to retirement plans subject to ERISA including
defined benefit plans, participant-directed defined contribution plans, such as 401(k) plans and plan participants.