Retirement Consulting Group Inc

Item 5 – Fees and Compensation

A description of the fees we charge for advisory services is set forth in this Item 5. All fees are negotiable
and individual clients may pay fees that are higher or lower (or otherwise materially different) than those
described in this firm brochure.

Fees for Portfolio Management Services. The below fee schedule represents the base fee schedule for the
firm applicable to most client accounts. Advisory fees are quoted on an annualized basis, and, unless agreed
to otherwise in writing, will be calculated and payable quarterly in arrears, based on the market value of
the client’s account (as determined by the Custodian) as of the last business day of the billing period.
Multiple related accounts within a household shall be aggregated for purposes of determining the applicable
annual fee rate to be charged. Our standard fee schedule is tiered; when an account spans multiple tiers, the
fee is calculated on a blended basis (i.e., the applicable rate is applied to each tier portion of the account
value) By way of example, using the standard fee schedule shown below, an account with a market value
of $600,000 at the end of the billing period will pay an annual fee of 0.95% on the first $500,000, and an
annual fee of 0.90% on the remaining $100,000).

The advisory fee applicable to your account may be amended from time to time by RCG, however, any
proposed fee adjustments will only go into effect on thirty (30) days’ advance written notice to you.

                                          Standard Fee Schedule

                              Assets Under Management Annualized Fee

                                      First $500,000                0.95%

                                 $500,000 – $1,000,000              0.90%

                                $1,000,001 – $2,000,000             0.85%

                                $2,000,001 – $5,000,000             0.80%

                                $5,000,001 – $10,000,000            0.50%

                               $10,000,001 – $20,000,000            0.35%

                                 $20,000,001 and above              0.20%

Clients may make additions or withdrawals from their account at any time; however, we reserve the right
to adjust our advisory fees on a pro-rata basis on account of any such transactions. Clients should note that
some or all of the investments in their account may be intended as long-term investments and withdrawals
of cash and premature liquidations of securities positions may impair the achievement of your investment
objectives.

For purposes of calculating our advisory fees, we will rely on the independent Custodian that will maintain
your account(s). The Custodian may use various pricing services such as ICE, Reuters, or Standard &
Poor’s to price securities held in your account. For actively traded securities, these services use the actual
last reported sale price. For less actively traded securities such as bonds, these services will use the
appropriate valuation methodology to determine the value of the security.

Portfolio management services may be terminated at any time by either party, within five (5) business days
of entering an advisory agreement, without cost or penalty. Thereafter, our portfolio management services
may be terminated by either party on ten (10) days’ written notice to the non-terminating party. In the event
of termination, we shall be compensated by the client’s payment of a pro-rated advisory fee based on the
number of days services were provided during the terminating billing period. Any earned but unpaid fees
shall be immediately due to RCG.

Fees for Stand-Alone Financial Planning and Consulting Services. We typically charge annual fixed fees
for financial planning and consulting services ranging from $750 - $1,500. These fees are negotiable and
the specific rate applicable to your engagement will be determined prior to the commencement of services
based on our expectation of the complexity, time, research, and resources required to provide services to
you, and/or other factors we deem relevant. The fee applicable to your account shall be set forth in a written
advisory agreement. Unless otherwise agreed, fixed fees for financial planning and consulting services are
typically invoiced to the client in arrears, in equal quarterly or monthly installments, and are payable by the
client within thirty (30) days of invoicing. Any earned but unpaid fees are due upon delivery of the written
financial plan or report to the client.

Financial planning and consulting services may be terminated at any time by either party, within five (5)
business days of entering an advisory agreement, without cost or penalty. Thereafter, our financial planning

and consulting services may be terminated by either party on ten (10) days’ written notice to the non-
terminating party. In the event of termination, the client shall pay RCG a pro-rated portion of the agreed
upon fixed fee, determined based upon RCG’s good faith estimate of the total percentage of work completed
at the time of termination, which determination shall be final and binding on the client. Any earned but
unpaid fees shall be immediately due to RCG. Clients are advised that we consider substantially all of our
financial planning and consulting services to be completed upon our delivery of the written financial plan
or report to the client.

Fees for Retirement Plan Consulting Services. Our fees for retirement plan consulting services consist of
annual asset-based management fees (typically ranging from 0.10% - 1.00% of the market value of the
plan’s account per annum). Asset-based fees for retirement plan consulting services are charged quarterly
in arrears and are pro-rated for partial billing periods.

The specific fee structure and rates applicable to the client’s account will vary based upon a number of
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Item 7 – Types of Clients

We typically provide investment advice to individuals, high net worth individuals, trusts, pension plans,
partnerships, corporations, non-profits, and other business entities, and government entities. Because each
client is unique, they must be willing to be involved in the planning and ongoing processes of our
management of their account. Such involvement does not have to be time consuming, however we want
our clients to remain informed and have a sense of security about their investments.

We do not require any minimum account size to engage our services.