Pointoak Retirement Advisors LLC

ITEM 5 - FEES AND COMPENSATION
In addition to the information provided in Item 4, this section provides additional details
regarding PointOak’s services along with descriptions of each service’s fees and compensation
arrangements. It should be noted that lower fees for comparable service may be available from
other sources. The exact fees and other terms will be outlined in the agreement between the
client and the Firm.
Retirement Plan Advisory Fees
PointOak charges advisory fees to retirement plans based on a variety of factors which are
specific to each plan. All plans are billed in arrears, but the billing methodology may vary
depending on the plan and/or the vendor. Some plans are billed based on end of quarter balance,
some plans are billed based on average daily balance, while some plans are billed a flat fee. Fees
are typically deducted from the plan assets on a quarterly or monthly basis, though fees may also
be invoiced directly to the plan sponsor if elected by the client. The exact advisory fee will be
specified in the Retirement Plan Consulting Agreement. Fees are negotiable.
Since all fees are paid in arrears, there is normally not a circumstance for a refund due to services
rendered. Should a situation occur where a refund is warranted (potentially due to error or
miscalculations of fees), refunds will be processed in the most timely and prudent manner
available given the circumstances under which a refund is warranted.

                                                                    PointOak Retirement Advisors

Retirement Plan Consulting Fees
PointOak only charges a flat fee for retirement plan consulting services. Typically, PointOak
receives half of the fee up front and the rest after the project is completed. The consulting fee
will depend on the services provided and the complexity of the task, which will be described in
the consulting agreement. Our minimum fee is typically $5,000. The exact consulting fee is
negotiable and will be specified in the Retirement Plan Consulting Agreement.
Private Wealth Management Fees
PointOak charges advisory fees to investment management clients based on a percentage of
assets under management. The specific fees charged by the Firm for its advisory services will be
outlined in each client’s Investment Advisory Agreement. Asset management fees are calculated
and paid quarterly in arrears and are negotiable depending upon the complexity of the client’s
financial situation and the scope of services rendered.
The percentage fee may increase or decline depending on the value of the assets in the client’s
account(s). At our discretion, we may combine the account values of family members living in
the same household to determine the applicable investment management fee. For example, we
may combine account values for the client and the client’s minor children, joint accounts with the
client’s spouse, and other types of related accounts. Combining account values may increase the
asset total, which may result in the client paying a reduced advisory fee. We do not currently
have a minimum account balance requirement.
The typical fee schedule for the annual tiered management fee charged by PointOak is:
                       $0 to $1,000,000​      ​        ​      ​      1.50%
                       $1,000,001 to $2,500,000​       ​      ​      1.00%
                       $2,500,001 to $5,000,000​       ​      ​      0.75%
                       Over $5,000,000​       ​        ​      ​      0.50%
Advisory fees are calculated based on the accrued value of assets in the account(s) at calendar
quarter end. Payment of management fees will be deducted from the client’s account(s) by the
qualified custodian, typically on or around the third business day of the month following the end
of the calendar quarter. We will only receive payment from the custodian if the client supplies
written authorization permitting the fees to be paid directly from the account. PointOak will not
have access to client funds for payment of fees without written consent by the client.
The qualified custodian agrees to deliver an account statement, at least quarterly, directly to the
client, showing all disbursements from the account. The client is encouraged to review all
account statements for accuracy. PointOak will receive access to a duplicate copy of the
statement that was delivered to the client.
For the initial period of portfolio management services, the first period’s fees will be calculated
on a pro-rata basis at the end of the initial quarter. The client may terminate the agreement within
five days of entering into the agreement and obtain a full refund. After the five- day period,

                                                                    PointOak Retirement Advisors

either party may terminate the agreement upon a written notice to the other party. Any pre-paid,
unearned fees will be promptly refunded to the client.
Please note that our receipt of fees for managing client accounts results in several conflicts of
interest. For example, the more assets there are in a client’s advisory account, the more a client
will pay in asset-based fees, and we may, therefore, have an incentive to encourage clients to
increase the assets in their accounts. We address this conflict by ensuring that all
recommendations are in the client’s best interest. Additional conflicts, and how we address them,
are described throughout this Brochure.
Fees for Other Advisers
PointOak may at times utilize the services of sub-advisers to manage clients’ account. PointOak
currently uses sub-advisers made available to PointOak and its clients on the 55ip platform. On
the 55ip platform, fees for 55ip services will be paid by the client which are separate and in
addition to advisory fees paid to PointOak. Currently, 55ip fees for services amount to 0.00%. In
return for said fees, 55ip makes available model portfolios, makes available portfolio tax
...

ITEM 7 - TYPES OF CLIENTS
PointOak provides investment advisory services to individuals, high net worth individuals,
businesses, retirement plans, trusts, and endowments. We do not currently require a minimum
relationship opening balance.