Retirement Capital Strategies Inc

ITEM 5        FEES AND COMPENSATION

The specific fees charged by RCS for its advisory services are set forth in each client’s
investment advisory agreement. Fees charged by RCS are negotiable at the sole discretion of
RCS, and arrangements with any particular client can differ from those described below. In
addition, for family and friends of RCS, or in situations where a client has a low yielding ultra-
short-term bond investment portfolio account, or situations deemed appropriate by the CEO,
RCS can, in its sole discretion, reduce or waive fees in their entirety.

Although RCS believes its advisory fees are competitive, clients should be aware that lower fees
for comparable services can be available from other sources.

A. Description of Fees; Fee Schedule

    1. Financial and Retirement Planning Service Fees

As previously noted, when discussed and mutually agreed upon by RCS and the client, RCS will
provide Financial and Retirement Planning Services as needed on a complimentary basis to
clients who engage RCS to also perform Investment Management Services. To the extent that a
client wishes to have a comprehensive financial plan without engaging RCS to perform
Investment Management Services, the Firm generally assess a fee of $1,495, which could go
higher, dependent upon complexity.

Financial and Retirement Planning consultation also is provided as a stand-alone service on an
hourly basis, which ranges from $250 to $2,500 on a fixed fee basis or from $125 to $325 on an
hourly basis. Such fees are negotiable and are outlined within the Financial Planning
consultation agreement.

Should a client elect to implement the recommendations contained in their financial plan, the
client will also be subject to fees, expenses, brokerage and transaction costs as further described
below. Please also refer to Item 12 for more information on RCS’s brokerage practices.

        2. Investment Management Services Fees

RCS’s investment management fees are assessed quarterly, in advance, and calculated based on
the market value of client assets as of the close of business on the last business day of the
preceding quarter. By engaging the Firm to perform Investment Management Services, for
managed accounts, clients generally authorize RCS to request that the custodian remit payment
for Investment Management fees from the client’s account(s). If authorized to do so, RCS’s fees
will be automatically deducted from the client’s account by the custodian at the beginning of
each billing cycle period. For other established Investment Management services, such as

Retirement Capital Strategies, Inc.                                                                             April 21, 2026
Form ADV Part 2A

variable annuity management, 529 College Savings plan management and employer-sponsored
retirement plan (401(k), 403(b), 457(b), etc.) investment management, the client can elect to
have fees withdrawn from a non-qualified account held at RCS’s custodian, Charles Schwab.
Please refer to Item 4 for information on the types of Advisory Services offered.

The amount due is calculated by applying the annual rate, divided by 365 (number of days in the
year or 366 days in a leap year), multiplied by the number of days in the upcoming billing cycle
period and then multiplying this result by the market value of client assets as of the close of
business on the last business day of the preceding cycle quarter. For accounts opened after the
beginning of a new quarter, fees will be prorated from the date of engagement to the end of cycle
quarter. In the event RCS’s services are terminated mid-quarter, any paid, unearned fees will be
promptly refunded to the client. Under certain conditions (such as for friends and family of the
firm, or in a situation where a client has a low yielding ultra-short-term bond investment
portfolio account, or in other situations deemed appropriate by the CEO), RCS may, at its sole
discretion, choose to waive its fee.

Additionally, RCS will “Household” accounts, based on the address of record for each
account, in order to combine assets under management, which in turn, could lower the
management fee assessed by RCS. 2

RCS submits information to the custodian as to the amount the client will be billed, which is
deducted by the custodian, and reflected on the client’s custodial statement.

Fees for investment advisory services (asset management fees) are based on the following
schedule.

              Market Value of Portfolio                                   % of Assets

               $ 0                         to    $ 249,999                  1.75%

               $ 250,000                   to    $ 499,999                  1.50%

               $ 500,000                   to    $ 749,999                  1.25%

               $ 750,000                   to    $ 999,999                  1.15%

               $1,000,000                  to    $1,999,999                 1.00%

               $2,000,000                  to    $4,999,999                 0.85%

               $5,000,000                  to    $9,999,999                 0.70%
                $10,000,000                or         More                  0.55%

 In the case of accounts which are transferred to a professional fiduciary (e.g., a trust company) in the case of death
or incapacity, such accounts will not be householded due to their unrelated nature.

Retirement Capital Strategies, Inc.                                                            April 21, 2026
Form ADV Part 2A

RCS requires a soft initial minimum account size of $750,000 and reserves the right to decline
any potential client for any reason. RCS, in its sole discretion, can charge a lesser investment
management fee and/or waive or reduce its minimum asset requirement based upon a variety of
factors, including anticipated future earning capacity, anticipated future additional assets, size of
...

ITEM 7        TYPES OF CLIENTS

RCS provides personalized investment advisory services to individuals and high net worth
individuals.

RCS does require a soft initial minimum account size of $750,000 and does reserve the right to
decline any potential client for any reason. RCS, in its sole discretion, may charge a lesser
investment management fee and/or waive or reduce its minimum asset requirement based upon
certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets,
dollar amount of assets to be managed, related accounts, account composition, negotiations with
client, etc.).

If a Client’s account is a pension or other employee benefit plan governed by the Employee
Retirement Income Security Act of 1974, as amended (“ERISA”), RCS can be a fiduciary to the
plan. In providing our investment management services, the sole standard of care imposed upon
us is to act with the care, skill, prudence and diligence under the circumstances then prevailing
that a prudent man acting in a like capacity and familiar with such matters would use in the
conduct of an enterprise of a like character and with like aims. RCS will provide certain required
disclosures to the “responsible plan fiduciary” (as such term is defined in ERISA) in accordance
with Section 408(b)(2), regarding the services we provide and the direct and indirect
compensation we receive by such clients. Generally, these disclosures are contained in this Form
ADV Part 2A, the client agreement and/or in separate ERISA disclosure documents and are
designed to enable the ERISA plan’s fiduciary to: (1) determine the reasonableness of all
compensation received by RCS; (2) identify any potential conflicts of interests; and (3) satisfy
reporting and disclosure requirements to plan participants.