Peak Retirement Planning Inc

Fees and Compensation

The following types of fees will be assessed:

Asset Management – Fees are charged monthly in arrears and are based primarily on asset size and the level
of complexity of the services provided. In individual cases, Peak has the sole discretion to negotiate fees that
are lower than the standard fee shown or to waive fees. Fees are not based on the share of capital gains or
capital appreciation of the funds or any portion of the funds. Comparable services for lower fees may be
available from other sources. Fees for the initial month will be prorated based upon the number of calendar
days in the calendar month that the advisory agreement is in effect. Fees are based on the market value of
the assets on the last business day of the month. Annual fees are a maximum of 1.50%. Consulting services
are included in these fees for asset management services with the exception of unique circumstances that
may require a separate agreement for financial planning services (description and fees are discussed below).
If the situation warrants separate financial planning fees, it will be discussed upfront, and a separate
agreement will be negotiated.

Fee Schedule for Asset Management:

   Total Account Value                           Maximum Annual Advisory Fee
       All Values                                          1.50%

As authorized in the client agreement, the account custodian withdraws Peak Retirement Planning, Inc.’s
advisory fees directly from the clients’ accounts according to the custodian’s policies, practices, and
procedures. The custodial statement includes the amount of any fees paid to Peak for advisory services. You
should carefully review the statement from your custodian/broker-dealer’s statement and verify the
calculation of fees. Your custodian/broker-dealer does not verify the accuracy of fee calculations.

Fees are charged in arrears on a monthly basis, meaning that advisory fees for a month are charged on the
first day of the following month. Clients may terminate investment advisory services obtained from Peak,
without penalty, upon written notice within five (5) business days after entering into the advisory agreement
with Peak. The client is responsible for any fees and charges incurred by the client from third parties as a
result of maintaining the account such as transaction fees for any securities transactions executed and account
maintenance or custodial fees. Thereafter, the client may terminate advisory services upon written notice
delivered to and received by Peak. Clients who terminate investment advisory services during a month are
charged a prorated advisory fee based on the date of Peak’s receipt of client’s written notice to terminate.
Any earned but unpaid fees are immediately due and payable, and any prepaid and unearned fees will be
immediately refunded.

As an additional service, Peak has an in-house CPA that contracts with advisory clients on a flat rate basis for
tax preparation services. It will consist of a base rate plus a possible fee per special filings. The flat rate fee is
negotiable based on the complexity of the return(s) to be filed.

Financial Planning – Financial planning services are available for Peak clients but there are no separate
charges for this service. The AUM based fees cover the cost of financial planning.

Estate Planning – Clients may also engage Peak to assist in their estate planning. Peak utilizes an estate
planning software platform for this purpose. Fees are charged at a flat rate and may range up to $2,000 per
engagement. Peak reserves the right to offer this service at no cost to the client.

Additional Fees and Expenses

In addition to advisory fees paid to Peak as explained above, clients may pay custodial service, account
maintenance, transaction, and other fees associated with maintaining the account. These fees vary by broker
and/or custodian. Clients should ask Peak for details on transaction fees or other custodial fees specific to
their account, as these fees are not included in the annual advisory fee. Peak does not share any portion of
such fees. Additionally, for any mutual funds purchased, the client may pay their proportionate share of the
funds’ distribution, internal management, investment advisory and administrative fees. Such fees are not
shared with Peak and are compensation to the fund manager. Clients are urged to read the mutual fund
prospectus prior to investing.

Mutual fund companies impose internal fees and expenses on clients. These fees are in addition to the costs
associated with the investment advisory services as described above. Complete details of such internal
expenses are specified and disclosed in each mutual fund company’s prospectus. Clients are strongly advised
to review the prospectus(es) prior to investing in such securities.

Mutual funds purchased or sold in broker-dealer accounts may generate transaction fees that would not exist
if the purchase or sale were made directly with the mutual fund company. Mutual funds held in broker-dealer
accounts also charge management fees. These mutual fund management fees may be more or less than the
mutual fund management fees charged if the client held the mutual fund directly with the mutual fund
company.

Clients may purchase shares of mutual funds directly from the mutual fund issuer, its principal underwriter, or
a distributor without purchasing the services of Peak or paying the advisory fee on such shares (but subject to
any applicable sales charges). Certain mutual funds are offered to the public without a sales charge. In the
case of mutual funds offered with a sales charge, the prevailing sales charge (as described in the mutual fund
prospectus) may be more or less than the applicable advisory fee. However, clients would not receive Peak’s
assistance in developing an investment strategy, selecting securities, monitoring performance of the account,
and making changes as necessary.
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Types of Clients

Peak offers investment advisory services to individuals and high net worth individuals. There is no minimum
account size to open and maintain an advisory account.

Form ADV, Part 2A, Item 8

              Methods of Analysis, Investment Strategies, and Risk of Loss

Peak’s methods of analysis and investment strategies incorporate the client’s needs and investment
objectives, time horizon, and risk tolerance. Peak is not bound to a specific investment strategy for the
management of investment portfolios but rather consider the risk tolerance levels pre-determined gathered at
the account opening, as well as on an on-going basis. Examples of methodologies that our investment
strategies may incorporate include:

Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix of asset
classes and the efficient allocation of capital to those assets by matching rates of return to a specified and
quantifiable tolerance for risk.

Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed dollar amount of securities at
regularly scheduled intervals, regardless of the price per share. This will gradually, over time, decrease the
average share price of the security. Dollar-cost averaging lessens the risk of investing a large amount in a
single investment at the wrong time.

Technical Analysis – involves studying past price patterns and trends in the financial markets to predict the
direction of both the overall market and specific stocks.

Long-Term Purchases – securities purchased with the expectation that the value of those securities will grow
over a relatively long period of time, generally greater than one year.

Short-Term Purchases – securities purchased with the expectation that they will be sold within a relatively
short period of time, generally less than one year, to take advantage of the securities’ short term price
fluctuations.

Our strategies and investments may have unique and significant tax implications. Regardless of your account
size or other factors, we strongly recommend that you continuously consult with a tax professional prior to
and throughout the investing of your assets. As an added service, Peak offers the services of an in-house CPA
who is available for tax consultations on a fee for service basis (see Item 5 for fee details).

Investing in securities involves risk of loss that clients should be prepared to bear. Although we manage your
portfolio with strategies and 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. Regardless of the methods of analysis or
strategies suggested for your particular investment goals, you should carefully consider these risks, as they all
bear risks.

Peak’s primary goal for investing is to help the client maintain purchasing power over the long term. This may
result in short term variability and loss of principal. Time horizon and risk tolerance are key determinates of
the proper asset allocation. Peak’s approach focuses on taking appropriate risks for which clients are
compensated (i.e., market risk) and seeking to limit or eliminate risks that do not provide compensation over
the long term (i.e., individual stock risk or lack of portfolio risk).

Below are some more specific risks of investing:

Market Risk. The prices of securities in which clients invest may decline in response to certain events taking
place around the world, including those directly involving the companies whose securities are owned by the
client or an underlying fund; conditions affecting the general economy; overall market changes; local, regional
or global political, social or economic instability; and currency, interest rate and commodity price fluctuations.
Investors should have a long-term perspective and be able to tolerate potentially sharp declines in market
value.

Management Risk. Peak’s investment approach may fail to produce the intended results. If our perception of
the performance of a specific asset class or underlying fund is not realized in the expected time frame, the
overall performance of client’s portfolio may suffer.

Equity Risk. Equity securities tend to be more volatile than other investment choices. The value of an
individual mutual fund or ETF can be more volatile than the market as a whole. This volatility affects the value
of the client’s overall portfolio. Small- and mid-cap companies are subject to additional risks. Smaller
companies may experience greater volatility, higher failure rates, more limited markets, product lines,
financial resources, and less management experience than larger companies. Smaller companies may also
have a lower trading volume, which may disproportionately affect their market price, tending to make them
fall more in response to selling pressure than is the case with larger companies.

Fixed Income Risk. The issuer of a fixed income security may not be able to make interest and principal
payments when due. Generally, the lower the credit rating of a security, the greater the risk that the issuer will
default on its obligation. If a rating agency gives a debt security a lower rating, the value of the debt security
will decline because investors will demand a higher rate of return. As nominal interest rates rise, the value of
fixed income securities is likely to decrease. A nominal interest rate is the sum of a real interest rate and an
expected inflation rate.

Municipal Securities Risk. The value of municipal obligations can fluctuate over time, and may be affected by
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