Retirement Advisors Inc

Item 5 Fees and Compensation (And Discussion of Each Our Programs)
The Retirement Advisors, Inc. Wealth Management Program
Retirement Advisors, Inc. Wealth Management Program is generally available to any client who
desires ongoing investment advisory services.

Services and Fees. Our fees for investment management are based upon the size of the investment
portfolio advised upon, and the value added of the advice.

The Services Provided. The services provided under Retirement Advisors, Inc. Wealth Management
Program include the following:

    • Investment portfolio management.
    • Quarterly reports of the client's investment portfolio, provided by Retirement Advisors, Inc.
    • Online access to account information, through our custodian Schwab.
    • Monthly or quarterly statements from the client's investment account custodians are sent to the
      client directly from the corresponding brokers, banks, mutual funds, and/or insurance
      companies.
    • Portfolio reviews and rebalancing of the portfolio, for the assets held under advisement, on a
      quarterly basis.
    • Conferences provided, either in-person or via telephone, with Retirement Advisors, Inc., on an
      as needed basis, but at least annually, and preferably twice a year (after the initial year).
    • Advanced Planning; which includes wealth protect, wealth enhancement, wealth transfer, and
      charitable giving.

Our Fees. Retirement Advisors, Inc. annual fee for the services set forth in the Retirement Advisors,
Inc. Retainer Program is a percentage of assets under advisement of no more than 1.20%. Fees are
paid in quarterly installments, in advance.

How Fees are Calculated. Billing amounts are based upon the market value of the client's account(s)
at the beginning of each calendar quarter. Valuations are derived from recognized and independent
pricing sources, such as Schwab or other custodians.

When Fees are Paid. Fees are billed and paid quarterly, in advance.

How Fees are Paid. Fees may be deducted from clients' accounts, or paid directly by check by the
client following receipt of a statement.

We will deduct our advisory fee only when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian.
    • We send you an invoice showing the amount of the fee, the value of the assets on which the
      fee is based, the time period covered by the fee and the specific manner in which the fee was
      calculated.
    • The qualified custodian agrees to send you a statement, at least quarterly, indicating all
      amounts disbursed from your account including the amount of the advisory fee paid directly to
      our firm.

Return of Unearned Fees upon Termination. Should a client terminate his or her engagement of our
firm during a quarter, for any reason, the fee for such quarter is prorated and the pro rata unearned
amount is refunded to the client.

Policies and Procedures on Fees Relating to All Programs

Minimum and Maximum Fees. There is no minimum or maximum requirement of advised-upon
assets related advice. All fees are negotiable.

Additional Fees Charged for Specific Services. There are no additional fees charged for specific
services under the Retirement Advisors, Inc. Programs.

Other Fees or Expenses Paid in Connection with Advisory Services: Products, Custodians.
All fees paid to Retirement Advisors, Inc. for investment advisory are separate and distinct from the
fees and expenses charged by mutual funds to their shareholders. Mutual fund expenses are
described in each fund's prospectus. These expenses include a management fee, other fund
expenses, and possibly a distribution fee. In addition, mutual funds incur transaction costs and
opportunity costs, which are not disclosed in the fund's prospectus.

Clients will incur transaction fees in connection with trading of mutual funds, individual stock and
bonds, which are charged by the custodian (brokerage firm holding the client's assets for safekeeping).
Mutual fund transaction fees, charged by our recommended custodian Schwab vary from $6.95 to
$9.99 for each purchase and sale transaction. The transaction costs for stock and bond trades vary.
The client should review both the fees charged by the funds, the transaction fees charged by the
custodian, as well as the fees charged by Retirement Advisors, Inc., to fully understand the total
amount of fees and costs paid by the client, in connection with any recommended transaction. For a
discussion of our practice in recommending brokers (custodians) to our clients and negotiating
brokerage fees on their behalf, please see Item 12.

Clients may also incur "account termination fees" upon the transfer of an account from one brokerage
firm (custodian) to another. The range for these account termination fees is believed to range from $0
to $200 at present, but at times may be much higher. Clients should contact their custodians
(brokerage firms, bank or trust company, etc.) to determine the amount of account termination fees
which may be charged and deducted from their accounts for any existing accounts, which may be
transferred.

Comparable Services. Retirement Advisors, Inc. believes that the charges and fees offered within its
program are competitive with alternative programs available through other firms offering a similar
range of services; however, lower fees for comparable services may be available from other sources.
A client could invest in mutual funds directly, without the services of Retirement Advisors, Inc. In that
case, the client would not receive the services provided by Retirement Advisors, Inc. which are
designed, among other things, to assist the client in determining which mutual fund or funds are most
appropriate to each client's financial condition and objectives, undertake a disciplined approach to
...

Item 7 Types of Clients
Retirement Advisors, Inc. provides investment advice primarily to individuals and their families,
including high net worth individuals, trusts, and estates. Retirement Advisors, Inc. also may provide
investment advice to charitable organizations.

Required Minimum Client Assets under Advisement
Retirement Advisors, Inc. has a minimum account size of $800,000, however, we maintain discretion to
accept smaller accounts in special circumstances. We may also combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts to meet the
stated minimum.