RCS Financial Planning LLC

Item 5: Fees and Compensation
A.​Fee Schedule
Portfolio Management Fees

             Total Assets Under Management               Annual Fees
             First $1,000,000                              1.00%
             Next $2,000,000                               0.75%
             $3,000,000 - and up                           0.60%

The advisory fee is a blended fee and is calculated by assessing the percentage rates using the predefined
levels of assets as shown in the above chart resulting in a combined weighted fee. For example, an
account valued at $2,000,000 would pay an effective fee of 0.875% with an annual fee of $17,500.00. The
quarterly fee is determined by the following calculation: (($1,000,000 x 1.00%) + ($1,000,000 x 0.75%))
÷ 4 = $4,375.

The advisory fee is calculated using the value of the assets in the Account on the last business day of the
prior billing period.

These fees are generally negotiable, and the final fee schedule is attached as Exhibit II of the Investment
Advisory Agreement. No increase in the annual fee shall be effective without agreement from the Client
by signing a new agreement or amendment to their current advisory agreement. Clients may terminate the
agreement without penalty for a full refund of RCS's fees within five business days of signing the
Investment Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract
generally with 30 days written notice.

Ongoing Financial Planning
Ongoing Financial Planning consists of an upfront charge of $0 - $4,000 and an ongoing fee that is paid
monthly, in arrears, at the rate of $0 - $300 per month. The fee may be negotiable in certain cases. This
service may be terminated with 30 days’ notice.
The upfront portion of the Comprehensive Financial Planning fee is for Client onboarding, data gathering,
and setting the basis for the financial plan. This work will commence immediately after the fee is paid, and
will be completed within the first 90 days of the date the fee is paid. Therefore, the upfront portion of the fee
will not be paid more than 6 months in advance.
Clients with more than $750,000 in Assets Under Management will receive ongoing financial planning at
no additional cost.
We review the fee every 12 months. If your financial circumstances have changed, your fee will also
change.
Pension Consulting Services Fees
Fixed Fees

The rate for creating client pension consulting plans is between $1,000 and $5,000. The final fee schedule
will be attached as Exhibit II of the pension consulting agreement. This service may be canceled with 30
days’ notice.

Financial Planning Fees
Fixed Fees

The negotiated rate for creating client financial plans ranges between $250 and $450 an hour. An estimate
will be provided to the client at the beginning of the engagement.

Selection of Other Advisers Fees
When an outside money manager is used, the Client will pay any associated fees directly to that
third-party. RCS has discretion to choose sub-advisers.

B.​Payment of Fees
Payment of Portfolio Management Fees
Asset-based portfolio management fees are withdrawn directly from the client's accounts with client's
written authorization on a quarterly basis. Fees are paid in advance.

Fixed pension consulting fees are paid via check. These fees are paid 50% in advance, but never more
than six months in advance, with the remainder due upon presentation of the plan.

Payment of Financial Planning Fees
Financial planning fees are paid via check or electronic funds transfer.

Project based financial planning fees are charged half in advance, remainder due upon completion. Hourly

financial planning fees are paid in arrears upon completion.

Payment of Selection of Other Advisers Fees
Fees for third-party money managers are paid directly by the client and withdrawn directly from the
client's accounts with client's written authorization. Fees are paid quarterly in arrears.

Client Responsibility for Third Party Fees
Clients are responsible for the payment of all third-party fees (i.e., custodian fees, brokerage fees, mutual
fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses charged
by RCS. Please see Item 12 of this brochure regarding broker-dealer/custodian.

C.​Prepayment of Fees
RCS collects certain fees in advance and certain fees in arrears, as indicated above. Refunds for fees paid
in advance will be returned within fourteen days to the client via check or return deposit back into the
client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of the fees collected
in advance minus the daily rate* times the number of days elapsed in the billing period up to and
including the day of termination. (*The daily rate is calculated by dividing the annual asset-based fee rate
by 365.)

Fixed fees that are collected in advance will be refunded based on the prorated amount of work completed
at the point of termination.

D.​Outside Compensation for the Sale of Securities to Clients
Neither RCS nor its supervised persons accept any compensation for the sale of investment products,
including asset-based sales charges or service fees from the sale of mutual funds.

Item 7: Types of Clients
RCS generally provides advisory services to the following types of clients

    ❖​ Individuals
    ❖​ High-Net-Worth Individuals
    ❖​ Pension and Profit-Sharing Plans

There is no account minimum for any of RCS’s services.