R & R Financial Planners Inc

5. FEES AND COMPENSATION
     A. The fee schedule for the SEI portfolio management program is as follows:
            Account Value                 SEI Fee                  R&R Fee           Total Client Fee Under
         $1million                  0.01% - 1.5%            1.00%                    1.01% to 2.5%
         $1 million - $3 million    0.01% - 1.5%            .80%                     1.01% to 2.3%

         Over $3 million            0.01% - 1.5%            .60%                     1.01% to 2.1%

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    B. The fee schedule for the Interactive Brokers portfolio management program is as follows:

         Account Value                   Annual Fee
         Under $250,000.00                 2.00%
         $250,000.01 - $500,000.00         1.75%
         $500,000.01 - $1,000,000.00       1.50%
         Over $1,000,000.00                1.00%

    C. The fee schedule for the Jackson National Life portfolio management program is as
       follows:

         Account Value                   Annual Fee
         $25,000+                          1.25%

RNR receives upfront commissions when it executes transactions that result in the purchase or sale
of a security. A commission, which also may be called a sales load, sales charge or placement fee,
is typically paid at the time of the sale and can reduce the amount available to invest or can be
charged directly against an investment. Commissions are often based on the amount of assets
invested. RNR receives the sales charge or commission and shares it with your registered
representative. In some cases, a portion of the sales charge or commission is retained by the
investment sponsor. Commissions vary from product to product, which creates an incentive to sell
with higher commission security rather than a lower commission security. The maximum and
typical commissions for common investment products are listed below. For more information
about other commissions that apply to a particular transaction, please refer to the applicable
investment prospectus or other offering document:

    •    Annuities: The maximum upfront commission paid for new sales of annuities is typically
         7%, but varies depending on the time purchased, and type of annuity. In addition, RNR
         receives trail compensation from an annuity issuer for the promotion, sale, and servicing of

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         a policy. The amount and timing of trail compensation varies depending on the agreement
         between RNR and the issuer, and the type of policy purchased. The maximum trail
         compensation for annuities is typically I% of the asset value and varies depending on the
         type of annuity
    •    REITS: For REITs (non-traded) the upfront sales load is as high as 10%. RNR receives
         upfront commissions when it executes transactions that result in the purchase or sale of a
         security. A commission, which also may be called a sales load, sales charge, or placement
         fee, is typically paid at the time of the sale and can reduce the amount available to invest or
         can be charged directly against an investment. Commissions are often based on the amount
         of assets invested. RNR receives the sales charge or commission and shares it with your
         registered representative. In some cases, a portion of the sales charge or commission is
         retained by the investment sponsor. Commissions vary from product to product, which
         creates an incentive to sell with higher commission security rather than a lower commission
         security. The maximum and typical commissions for common investment products are
         listed below. For more information about other commissions that apply to a particular
         transaction, please refer to the applicable investment prospectus or other offering
         document.
    •    Mutual Funds: For mutual funds and 529 plans, the maximum commission or sales charge
         permitted under applicable rules is 8.5%, although the maximum is typically 5.75%.
         Depending on the share class purchased, additional charges may apply. RNR receives
         upfront commissions when it executes transactions that result in the purchase or sale of a
         security. A commission, which also may be called a sales load, sales charge or placement
         fee, is typically paid at the time of the sale and can reduce the amount available to invest or
         can be charged directly against an investment. Commissions are often based on the amount
         of assets invested. RNR receives the sales charge or commission and shares it with your
         registered representative. In some cases, a portion of the sales charge or commission is
         retained by the investment sponsor. Commissions vary from product to product, which
         creates an incentive to sell with higher commission security rather than a lower commission
         security. The maximum and typical commissions for common investment products are
         listed below. For more information about other commissions that apply to a particular
         transaction, please refer to the applicable investment prospectus or other offering
         document.
For more information about conflicts of interest can be found under section 10 of this brochure.

    D. Fees are deducted, in arrears, by the Broker Dealers, Custodians and sponsors.

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    E. Mutual funds in which Client assets are invested may assess charges in addition to the
       advisory fee, such as 12b-1 fees and administrative fees. SEI Trust account service fees,
       currently $200 per year, are also charged quarterly in arrears. Accounts valued in excess of
...

7. Types of Clients

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     R&R Financial Planners, Inc. does not target any specific market. Each client relationship is
     approached from the standpoint that they are unique and possess their own suitability profile,
     financial condition, investment objective, life experience and risk tolerance. The investment
     advisor representative will meet with and discuss any individual or business concerning their
     investments or retirement plan.

     Our current clients come from the following sectors: Individuals, Deferred Contribution and
     Individual Retirement Plan participants, High Net Worth Individuals, non-public corporations
     (LLC’s) and Trusts.

     Each client’s financial needs and investment objectives disclosed on the initial fact find, the
     New Account Form and Investment Advisory Agreement, drive the decision on the advisory
     services that are recommended to the client.