Reservoir Retirement Management LLC

Item 5: Fees and Compensation
Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the client within five (5)
business days of signing the contract without incurring any advisory fees. How we are paid depends on the type
of advisory service we are performing. Please review the fee and compensation information below.
Investment Management Services (RRM Manages)
Our standard advisory fee is based on the market value of the assets under management and is calculated as
follows:
                       Account Value                                  Annual Advisory Fee
                       $1 - $100,000                                         1.25%
                    $100,001 - $500,000                                      0.95%
                   $500,001 - $1,000,000                                     0.85%
                   $1,000,001 and above                                      0.75%

The annual fees are negotiable and are pro-rated and paid in arrears on a quarterly basis. The advisory fee is a
tiered fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the
above chart, and applying the fee to the account value as of the last day of the previous quarter. 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.
Advisory fees are directly debited from client accounts, or the client may choose to pay by check. Accounts
initiated or terminated during a calendar quarter will be charged a pro-rated fee based on the amount of time
remaining in the billing period. An account may be terminated with written notice at least 30 calendar days in
advance. Since fees are paid in arrears, no rebate will be needed upon termination of the account.
Comprehensive Financial Planning
Comprehensive Financial Planning consists of an upfront charge of $250 and an ongoing fee that is paid monthly,
in arrears, at the rate of $50 - $600 per month, based on complexity. The fee may be negotiable in certain cases.
Fees for this service may be paid by electronic funds transfer or check. This service may be terminated with 30
days’ notice. Upon termination of any account, the fee will be prorated and any unearned fee will be refunded to
the client based on the amount of work completed up to the date of termination.
The upfront portion of the Comprehensive Financial Planning fee is for client on boarding, 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 30 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.

Employee Benefit Plan Services

                                Account Value                         RRM’s Fee
                               $0 - $3,000,000                          0.75%
                           $3,000,001 - $5,000,000                      0.50%
                          $5,000,001 - $10,000,000                      0.35%
                           $10,000,000 and Above                        0.25%

RRM will be compensated for Employee Benefit Plan services according to the value of plan assets not to exceed
1.00% of total plan assets. This does not include fees to other parties, such as Record Keepers, Custodians, or
Third-Party-Administrators. Fees for this service are either paid directly by the plan sponsor or deducted directly
from the plan assets by the Custodian on a quarterly basis, and RRM’s fee is remitted to RRM.

Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which
may be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, and other third
parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and
electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual fund
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 our fee, and we shall not receive any
portion of these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for client’s
transactions and determining the reasonableness of their compensation (e.g., commissions).
We do not accept compensation for the sale of securities or other investment products including asset-based
sales charges or service fees from the sale of mutual funds.

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals, high net-worth individuals,
pension and profit-sharing plans, charitable organizations, and corporations or other businesses