RABE Investment Consulting Group

Item 5 – Fees and Compensation

How We Are Compensated for Our Advisory Services

RICG offers our advisory services on a fee-only basis. Our fees vary among the different types of advisory services
we offer and may be negotiated at our sole discretion. The specific fees and manner in which fees are charged and
calculated are described in your investment advisory agreement. You should carefully review the investment
advisory agreement prior to signing it.

Fees for our advisory services may be higher than fees charged by other advisers who offer similar services. You may
be charged different fees than similarly situated clients for the same services. You should carefully review this
brochure to understand the fees and other sources of compensation that exist among our services prior to entering
into an investment advisory contract with our firm.

Investment and Wealth Management Services

RICG offers investment and wealth management services for an annual fee based on the amount of assets under the
firm’s management. Fees are generally billed in advance each calendar quarter based on the market value of the
assets under management/advisement on the last day of the previous calendar quarter. At the end of the quarter,
RICG will review portfolios for any cash flow into and out of an account greater than $100,000 within the previous
quarter and shall adjust fees accordingly. The annual fee for RICG’s wealth management or asset management
services is charged on a quarterly basis and is based on a percentage of the assets under management/advisement
and typically ranges from 1.0% to 2.0% per year depending on the size and complexity of the client's accounts as
well as services required, specifically negotiated fees and historically grandfathered fee schedules. Our standard fee
schedule is as follows:

                              Assets Under Management           Maximum Fee
                              <$500,000                         2.0%
                              $500,000 < $1,000,000             1.75%
                              $1,000,000 < $2,000,000           1.5%
                              $2,000,000 < $4,000,000           1.25%
                              > $4,000,000                      1.00%

This fee schedule may be based on cumulative household assets under management. Existing clients will be
grandfathered and charged according to their existing fee rate and may pay a higher fee than those outlined in the
graduated fee schedule above. You should refer to your advisory agreement for your specific fee rate(s).

RICG, in our sole discretion, may waive the annual fee based upon certain criteria, including, but not limited to,
anticipated future earning capacity and/or additional assets, dollar amount of assets to be managed, related
accounts, account composition, pre-existing client relationships, account retention, and pro bono activities. For
investment and wealth management services RICG provides to certain clients or for specific client holdings (e.g.,
held-away assets, 529 plans, etc.), we may negotiate a fee rate that differs from our standard fee schedule.

Programs Offered Through Wells Fargo Advisors

Fees for advisory programs offered through Wells Fargo Advisors are inclusive of RICG’s and Wells Fargo Advisors’
advisory fees and are as follows:

         Program                          Program Type                Maximum Annual Advisory Fee
         FundSource®                      Mutual Fund        Advisory 2%
                                          Program

Wells Fargo Advisors will calculate and directly debit advisory fees from the clients’ accounts for assets within their
programs. The value of assets held in any Wells Fargo Advisor program are excluded from the amount of total
household assets used to determine RICGs advisory fees for other assets of a client that are managed by RICG.

Financial Planning and Consulting Services

Financial planning and/or consulting services are provided in connection with Investment and Wealth Management
Services; RICG does not currently charge a separate fee for these services.

Payment of Fees

Clients authorize RICG to instruct the account custodian to directly debit fees from the client’s account.. As stated in
the client’s investment advisory agreement, if services are provided for less than a full calendar quarter or the client
withdraws or adds assets to an account during the quarter, the advisory fee will be prorated based on the number
of days in the quarter the client received services or the assets were under RICG’s management, and any pre-paid,
unearned fees will be refunded.

Fees for our advisory services generally require you to pay investment advisory fees in advance of receiving services.
Upon termination of your advisory agreement with our firm, we will promptly refund any prepaid, unearned fees.
For investment and wealth management services, refunds are calculated by taking the total advisory fee billed for
the calendar quarter, dividing that amount by the number of days in the calendar quarter and multiplying that
amount by the number of days services were not provided during the calendar quarter.

Other Types of Fees and Expenses You May Incur

Clients may incur certain charges imposed by custodians, brokers, third-party investments and other third parties,
such as fees charged by Independent Managers, custodial fees, odd-lot differentials, transfer taxes, wire transfer and
electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Decisions to
reallocate your account assets may result in you incurring a redemption fee imposed by one or more mutual funds
held in your account. Mutual funds and exchange traded funds also charge internal management fees, which are
disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to RICG’s fee.
RICG shall not receive any portion of these commissions, fees, and costs.
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Item 7 – Types of Clients
RICG provides portfolio management services to individuals, high net worth individuals and families, trusts, estates,
charitable institutions, foundations, corporations, and other business entities.

RICG does not require a minimum initial investment for investment management services.

Certain Independent Managers may impose more restrictive account requirements and varying billing practices than
RICG. In such instances, RICG may alter its corresponding account requirements and/or billing practices to
accommodate those of the Independent Managers.