Prepared Retirement Institute LLC

Item 5 Fees and Compensation
Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the assets in your account and
is set forth in the following annual fee schedule:

                                         Annual Fee Schedule

           Assets Under Management*                                      Annual Fee
                 First $1,000,000                                          1.50%
                Above $1,000,000                                           1.00%

*We require a minimum of $100,000 to open and maintain an advisory account.

Our annual portfolio management fee is billed and payable, quarterly in advance, based on the
balance at end of billing period. If the portfolio management agreement is executed at any time other
than the first day of a calendar quarter, our fees will apply on a pro rata basis, which means that the
advisory fee is payable in proportion to the number of days in the quarter for which you are a
client. Our advisory fee is negotiable, depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when:

    • you have given our firm written authorization permitting the fees to be paid directly from your
      account.
    • We will send you an invoice showing the amount of the fee. Further, the qualified custodian will
      deliver an account statement to you at least quarterly. These account statements will show all
      disbursements from your account. You should review all statements for accuracy.

We encourage you to reconcile our invoices with the statement(s) you receive from the qualified
custodian. If you find any inconsistent information between our invoice and the statement(s) you
receive from the qualified custodian, call our main office number located on the cover page of this
brochure.

You may terminate the portfolio management agreement upon 30 days' written notice. You will incur a
pro rata charge for services rendered prior to the termination of the portfolio management agreement,
which means you will incur advisory fees only in proportion to the number of days in the quarter for
which you are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive
a prorated refund of those fees.

Financial Plan Creation
This stand-alone service is offered separately from our portfolio management services, which are
inclusive of financial planning. The creation of a one-time financial plan is billed at an hourly fee of
$600 per hour (at a minimum of five [5] hours) due and payable in advance of services rendered. The
fee is negotiable and may increase depending on the scope and complexity of the plan, your situation,
and your financial objectives.

You may terminate the financial plan agreement upon 30 days' written notice to our firm. If the
agreement is terminated before the services are complete, Adviser shall be compensated based on the
percentage of services performed. Any fees incurred prior to the fate of termination will be payable in
full.

Held Away Assets
For assets held at a custodian that is not directly accessible by our firm ("Held Away Accounts"), we
may, but are not required to, manage these Held Away Accounts using the Pontera Order
Management System ("Pontera") that allows our firm to view and manage assets. Our annual fee for
investment management services for held away accounts will follow our portfolio management fee
schedule and termination instructions as noted above.

Our advisory fees will not be deducted directly from the accounts managed through the Pontera Order
Management System. We will send you an invoice showing the amount of the fee, the value of the
assets on which the fee is based, the time period covered by the fee, and the specific manner in which
the fee was calculated for held away accounts managed through the Pontera Order Management
System. Clients will have the option of paying the invoice by giving written authorization to deduct the
fee from a brokerage account managed by our firm, in which case, the advisory fee would be deducted
from the brokerage account each quarter, or the client may pay the invoice with a bank account or
credit card. Further, the qualified custodian will deliver an account statement to you at least quarterly.
These account statements will show all disbursements from your account. You should review all
statements and invoices for accuracy.

You will not pay our firm a higher advisory fee other than what is listed above due to the use of
Pontera. We pay 0.30% from our advisory fee to Pontera.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You will also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not
share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
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Item 7 Types of Clients
We offer investment advisory services to individuals (other than high net worth individuals), high net
worth individuals, corporations, and other businesses.

In general, we require a minimum of $100,000 to open and maintain an advisory account. At our
discretion, we may waive this minimum account size. For example, we may waive the minimum if you
appear to have significant potential for increasing your assets under our management.

We may also combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts to meet the stated minimum.