Pinnacle Pension Consultants LLC

Item 5      Fees and Compensation
                                PENSION CONSULTING FEES
Our fees for Pension Consulting Services can be based on a percentage of assets under
advisement.

We charge an annual fee for Pension Consulting Services which ranges from 0.05% to 1.00%
of plan assets depending on the services requested and the size of the plan.
Associated persons of Pinnacle Pension Consultants, LLC can receive revenue sharing or
12b-1 distribution fees from the investment companies chosen by the plan sponsor. In such
cases, Pinnacle Pension Consultants, LLC provides full disclosure to plan sponsors regarding
such revenue sharing and fees. Pinnacle Pension Consultants, LLC will offset any revenue
sharing or fees received by such associated persons from asset-based advisory fees charged
by Pinnacle Pension Consultants, LLC for ongoing services. The receipt of such revenue
sharing or fees and their availability from different vendors may create conflicts of interest.
Pinnacle Pension Consultants, LLC offers several fee options. Pinnacle Pension Consultants,
LLC may be compensated based on an annual percentage of plan assets for services

involving ongoing reviews, or it may be compensated by an hourly fee or fixed fee.
Alternatively, these different types of fees may also be combined as appropriate for the
different types of services requested by the client.
Typically, the annual fee ranges from 0.05% to 1.00% of plan assets depending on the
services requested and the size of the plan. Fees will be based upon the value of the plan at
the end of the previous period. Fees will not be adjusted based on additions and withdrawals
during the calendar quarter.
Pinnacle Pension Consultants, LLC's hourly charges range from $100 to $500 per hour. A
fixed fee may be quoted based on an estimate of hours for the services requested. Pinnacle
Pension Consultants, LLC may request a retainer for hourly and fixed fee arrangements. The
amount of a requested retainer will never exceed the fee for services to be provided within the
first six months of an engagement.
                               CONSULTING SERVICES FEES
Pinnacle Pension Consultants, LLC's Consulting Services fee will be determined based on the
nature of the services being provided and the complexity of each client’s circumstances. All
fees are agreed upon prior to entering into a contract with any client.
Our Consulting Services fees are calculated and charged on an hourly basis, ranging from
$100 to $500 per hour. An estimate for the total hours is determined at the start of the
advisory relationship.
Our Consulting Services fees are calculated and charged on a fixed fee basis, typically
ranging from $7,500 to $100,000, subject to the specific arrangement reached with the client.
Our Consulting Services fees are charged as a percentage of assets under advisement by
our firm, typically ranging from 0.05% to 1.00% of assets under review, depending on the
nature and complexity of each client’s circumstances, and upon mutual agreement with the
client.
Typically, for ongoing services, clients will be billed quarterly in arrears based on actual hours
or services accrued. For project based services, clients may be billed a portion of the service
fee at inception of the project. The amount of fees paid at inception will never exceed the fee
for services to be provided within the first six months of an engagement.
                                  GENERAL INFORMATION
Termination of the Advisory Relationship: A client agreement may be canceled at any
time, by either party, for any reason upon receipt of 30 days written notice. As disclosed
above, certain fees are paid in advance of services provided. Upon termination of any
account, any prepaid, unearned fees will be promptly refunded. In calculating a client’s
reimbursement of fees, we will pro rate the reimbursement according to the number of days
remaining in the billing period.
Mutual Fund Fees: All fees paid to Pinnacle Pension Consultants, LLC for investment
advisory services are separate and distinct from the fees and expenses charged by mutual
funds and/or EFTs to their shareholders. These fees and expenses are described in each
fund's prospectus. These fees will generally include 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. A client could invest in a mutual fund directly, without our
services. In that case, the client would not receive the services provided by our firm which are

designed, among other things, to assist the client in determining which mutual fund or funds
are most appropriate to each client's financial condition and objectives. Accordingly, the client
should review both the fees charged by the funds and our fees to fully understand the total
amount of fees to be paid by the client and to thereby evaluate the advisory services being
provided.
Wrap Fee Programs and Separately Managed Account Fees: Clients participating in
separately managed account programs may be charged various program fees in addition to
the advisory fee charged by our firm. Such fees may include the investment advisory fees of
the independent advisers, which may be charged as part of a wrap fee arrangement. In a
wrap fee arrangement, clients pay a single fee for advisory, brokerage and custodial services.
Client’s portfolio transactions may be executed without commission charge in a wrap fee
arrangement. In evaluating such an arrangement, the client should also consider that,
depending upon the level of the wrap fee charged by the broker-dealer, the amount of
portfolio activity in the client’s account, and other factors, the wrap fee may or may not exceed
the aggregate cost of such services if they were to be provided separately. We will review
with clients any separate program fees that may be charged to clients.
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Item 7      Types of Clients
Pinnacle Pension Consultants, LLC provides advisory services to the following types of
clients:
• Individuals (other than high net worth individuals)
• High net worth individuals
• Pension and profit sharing plans (other than plan participants)
• Charitable organizations
• Corporations or other businesses not listed above