Oneamerica Securities Inc

Item 5 – Fees and Compensation
Investment advisory fees are based on a percentage of assets under management. Certain Account Managers calculate
fees using the average daily balance of the account, including cash, as of the last business day of the preceding calendar
quarter. Other Account Managers calculate fees based on the value of the account, including cash as of the last business
day of the preceding calendar quarter. Fees may be paid in advance or in arrears depending on the program selected by
the client. Fees are not calculated based on a share of capital gains or capital appreciation of the funds or any portion
thereof. All managed accounts are advised by the associated IAR on a non-discretionary basis. The fee is agreed upon by
the IAR and the client. It is dependent on the type of account and nature of the investments selected by the client as well
as the amount of assets under management. Generally, OAS and the IAR will receive between 0.25% and 2.00% of
assets under management as part of the overall advisory fee charged to the client.

Depending on the program selected, the client grants OAS or one of the Account Managers the authority to receive no
less than quarterly payments directly from the client’s account held by an independent custodian. Upon request, OAS will
provide an accounting of the manner in which a particular fee has been calculated. The frequency of payments and the
method of calculating periodic payments may vary depending upon the program selected. Typically, the annual
management fee will be determined on at least a quarterly cycle and will be paid directly from the client’s cash account
balance. The fee will be determined promptly after commencement of each cycle.

All fees paid to OAS for solicitation services are separate and distinct from the fees and expenses charged by the Account
Managers or the fees charged by mutual funds and ETFs to their shareholders. Account Manager fees are described in
each Account Manager’s ADV, and they may include brokerage fees and other fees and expenses incurred for holding
certain assets in a portfolio. For example, mutual funds will generally charge a management fee, other fund expenses,
and a possible distribution fee. If the fund also imposes sales charges, a client may pay an initial or deferred sales charge.
These charges are generally disclosed by the Account Manager.

A client could invest in a mutual fund or ETF directly, without the services of OAS or an Account Manager. In that case,
the client would not receive the services provided by OAS or the Account Manager that are designed, among other things,
to assist the client in determining which fund or funds are appropriate for each client’s financial condition and objectives.
Accordingly, the client should review both the fees charged by the funds and the fees charged by OAS and the Account
Manager to fully understand the total amount of fees to be paid by the client and to thereby evaluate the advisory services
being provided.

Fixed fees apply to financial plans only. Financial plans may carry a charge of up to $10,000, depending on the complexity
of the plan. Any amount over $10,000 requires written approval from the home office. Factors such as the scope of the
plan and the planning areas to be addressed, (e.g.: education planning, retirement planning, and estate planning) will be
considered when determining the fee to be charged for the financial planning service. Financial planning fees are
generally paid in full upon delivery of the plan or in equal monthly installments, not to exceed twelve months.

Consulting fees are based on an hourly rate not to exceed $250 per hour and depend upon the nature and the scope of
the consultation, as well as the nature of research required to complete the project. Any amount over $250 per hour

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OneAmerica Financial logo and flag pictorial mark are service marks of OneAmerica Financial Partners, Inc.

Form ADV Part 2A

requires written approval from the home office. Prior to engagement, each client signs an agreement that provides an
estimate of the total fee for services. The estimated fees are generally billed in arrears.

Fees for the Employer-Sponsored Retirement Plan Consulting Services are negotiable and based upon a percentage of
plan assets. Sponsors may specify whether to pay the Fees directly or may authorize the plan’s record keeper or
custodian to pay OAS from plan assets. Sponsors may pay more or less than a client might otherwise pay if purchasing
the Employer-Sponsored Retirement Plan Consulting Services separately or through another service provider. There are
several factors that determine whether the costs would be more or less, including, but not limited to, the size of the plan,
the specific investments made by the plan, the number of locations of participants and the services offered by another
service provider.

Annual fees are based on the market value of the plan assets and are payable on a quarterly basis. The initial Fee may
be prorated based upon the number of days remaining in the initial quarterly period from the date of execution of the
Agreement, based upon the market value of the plan assets at the close of business on the last business day of the initial
quarterly period. Thereafter, the quarterly portion of the annual Fee will be based upon the market value of the plan
assets at the close of business on the last business day of the previous calendar quarter (without adjustment for
anticipated withdrawals by plan participants or beneficiaries or other anticipated or scheduled transfers or distributions of
assets). If the Agreement is terminated prior to the end of a quarter, OAS will be entitled to a quarterly fee, prorated for
the number of days in the quarter prior to the effective date of termination, based on the market value of the plan assets at
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Item 7 – Types of Clients
OAS provides portfolio management services to individuals, high net worth individuals, businesses and corporations,
corporate pension and profit-sharing plans, charitable institutions, foundations, and endowments.