Rademacher Financial Inc

Item 5 Fees and Compensation
Portfolio Management Services
Our annual fee for portfolio management services depends upon the market value of the clients’ assets
under our management (including cash and cash equivalents), the type and complexity of the asset
management services provided, as well as the level of administration requested either directly or
assumed by the client. Assets in each of the client’s account(s) are included in the fee assessment
unless specifically identified in writing for exclusion.

Such fees are dependent on various factors, including but not limited to, the account/household size,
the specific type of service that the client engages Rademacher Financial for, the securities utilized,
and the investment strategy employed. The account will be charged a certain percentage of assets
under management but, in no event will our fees exceed 2.0% on an annualized basis. Our Advisory
Fee is negotiable, depending on individual client circumstances.

Advisory fees will be charged quarterly in advance. The initial fee will be calculated from the date of the
agreement or when the account is funded, to the end of the quarter. Subsequent fees will be calculated
at the beginning of each quarter and will be based upon the total assets of a client’s account at the end
of the previous quarter.

When annuities are included as part of our investment management recommendation, they are
billed quarterly in arrears based upon annual fee of 1.00%. This fee is not negotiable. The initial
fee is calculated based upon the number of days in the quarter.

At the firm’s discretion, we may combine the account values of family members to determine the
applicable advisory fee. For example, we may combine account values for you and your children, joint
accounts with your spouse, and other types of related accounts. We require a minimum relationship
value of $250,000 to maintain an advisory relationship. That minimum may be waived at our sole
discretion.

Our fees will be deducted directly from your account through the qualified custodian holding your funds
and securities. Rademacher Financial will deduct advisory fees only when the client has given written
authorization permitting the fees to be paid directly from the client’s account. Further, the qualified
custodian will deliver an account statement to the client at least quarterly. These account statements
will show all disbursements from the client’s account. The client should review all statements for
accuracy.

Financial Planning and Consulting Services
Fees for financial planning and consulting services are negotiable and are provided based upon an
hourly rate, or based upon a flat fee, or based upon an annual retainer fee. Hourly fees range from
$75-$550 per hour. Flat fees can range from $490 to $7,500. In both cases, fees are dependent on the
scope of the project. Annual retainer fees are billed in advance and range from $490 to $3,000
depending on the scope of the project. No fee is paid more than six months in advance.

Individual Retirement Plan Consulting Services
For our individual retirement plan consulting services, our annual fees range from 0.90% to 1.00% of
the participant's retirement plan asset value payable quarterly in arrears.

Termination of Advisory Relationship
A client agreement may be cancelled at any time, by either party, for any reason, upon receipt of 30
days written notice. Upon termination of any account, all unearned/unapplied fees will be promptly
refunded, prorated based upon the amount of time expended on the engagement prior to termination,

and any earned, unpaid fees will be due and payable. Agreements for financial planning and consulting
services charged on an hourly or fixed fee basis terminate upon delivery of services. Any unearned
fees for Financial Planning and Consulting Services will be promptly refunded, prorated based upon
the amount of time expended on the engagement prior to termination.

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
custodian. To fully understand the total cost you will incur, you should review all the fees charged by
mutual funds, exchange traded funds, our firm, and others. For information on our brokerage practices,
please refer to the "Brokerage Practices" section of this Brochure.

Compensation for the Sale of Securities, Insurance, or Other Investment Products
Certain Associated Persons of our firm are licensed as independent insurance agents. These persons
will earn commission-based compensation for selling insurance products, including insurance products
they sell to our clients. Insurance commissions earned by these persons are separate from and in
addition to our advisory fees. The sale of insurance instruments and other commissionable products
offered by Associated Persons are intended to complement our advisory services. However, this
practice presents a conflict of interest because persons providing investment advice on behalf of our
firm who are insurance agents have an incentive to recommend insurance products to you for the
purpose of generating commissions rather than solely based on your needs. We address this conflict
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Item 7 Types of Clients
We offer investment advisory services to individuals including high net worth individuals, plan
participants of pension and profit-sharing plans, Trusts, charitable organizations, corporations, other
business entities, and insurance companies.

Additionally, we require a minimum relationship value of $250,000 to maintain an advisory relationship.
That minimum may be waived at our sole discretion.