Retirement Financial Solutions LLC

Item 5 – Fees and Compensation
In addition to the information provided in Item 4 – Advisory Business, this section provides additional
details regarding our firm’s services along with descriptions of each service’s fees and compensation
arrangements. It should be noted that lower fees for comparable service can be available from other
sources. The exact fees and other terms will be outlined in the agreement between you and Blue Ridge
Wealth Planners.
Fees for Asset Management Services
The total annual advisory fee due to us for asset management services (“Advisory Fee”) is negotiable at
the sole discretion of our firm and will be outlined in the Investment Advisory Agreement signed by you
and our firm. Our maximum annual Advisory Fee for these services is up to 2% of the total assets under
management.
Advisory Fees are typically billed monthly in arrears based on each account’s average daily balance
during the prior calendar month. The first monthly fee will be prorated based on the portion of the month
remaining after your account is opened. Advisory Fees are generally deducted from your account(s) by
the qualified custodian at our instruction or at the instruction of the Sub-Adviser acting in its
implementation capacity. In rare cases, we may agree to direct bill clients.
For accounts implemented through the sub-advisory platform, you pay an ongoing asset-based “wrap” fee
instead of separate transaction-based commissions to us. The wrap fee generally includes most trading
costs and custodial fees that would otherwise be charged separately. As a result, the total wrap fee may
be higher than the advisory fee you would pay in a non-wrap arrangement where you pay transaction
costs separately.

Blue Ridge Wealth Planners                        Page 7                       Form ADV Part 2A: Firm Brochure

When we use the Sub-Adviser or other Third-Party Advisers to manage all or part of your account, a
portion of the Advisory Fee you pay may be retained by those firms as compensation for their services.
The portion retained by us and the portion retained by any Third-Party Adviser may vary depending on
the specific strategy or program you use. This creates a conflict of interest because we have a financial
incentive to recommend certain strategies, programs, or Third-Party Advisers over others, or over
managing the account ourselves, based on the portion of the Advisory Fee we retain rather than solely on
your needs. We seek to address this conflict by basing our recommendations on your investment
objectives, risk tolerance, and overall circumstances, by supervising our advisory activities, and by
disclosing these arrangements to you.
Our Advisory Fee reduces the value of your account over time. The more assets (including cash) you
have in your advisory account, the more you will pay in fees. This creates a conflict of interest because
we have an incentive to encourage you to increase the assets we manage for you. We address this
conflict of interest by seeking to ensure that our recommendations regarding contributions, transfers, and
rollovers are in your best interest.
Our Advisory Fee schedules may vary by investment type. For example, we may charge a lower Advisory
Fee on certain real estate-based interval funds held in your advisory account than on other assets we
manage.
In addition to our Advisory Fee, you will bear the internal fees and expenses of mutual funds, exchange-
traded funds (ETFs), interval funds, and other pooled investment vehicles held in your account (such as
management fees and other operating expenses). These internal expenses are paid at the fund or
product level and are in addition to the Advisory Fee you pay to us.
Fees for Workshops
From time to time, Blue Ridge Wealth Planners will charge a minimal fee, as needed, due to costs
associated with the content of the workshop and/or course workbook, without notice.
Other Fee Terms
You should notify Blue Ridge Wealth Planners within ten (10) days of receipt of an invoice if you have
questions about or dispute any billing entry.
To the extent Blue Ridge Wealth Planners engages an outside professional (i.e., attorney, independent
investment adviser or Accountant) while providing advisory services to you, Blue Ridge Wealth Planners
will be responsible for the payment of the fees for the services of such an outside professional, and you
will not be required to reimburse Blue Ridge Wealth Planners for such payments. To the extent that you
personally engage such an outside professional, you will be responsible for the payment of the fees for
the services of such an outside professional, and Blue Ridge Wealth Planners will not be required to
reimburse Client for such payments. Fees for the services of an outside professional (i.e., attorney,
independent investment adviser or Accountant) will be in addition to and separate from the fees charged
by Blue Ridge Wealth Planners, and you will be responsible for the payment of the fees for the services of
such an outside professional. In no event will the services of an outside professional be engaged without
your express approval.

Item 7 – Types of Clients
Blue Ridge Wealth Planners generally provides investment advice to the following types of clients:
    •    Individuals
    •    High net worth individuals
You are required to execute a written agreement with Blue Ridge Wealth Planners specifying the
particular advisory services in order to establish a client arrangement with Blue Ridge Wealth Planners.
We provide investment advisory services primarily to individuals, families, and their related entities. We
do not have a firm minimum account size to become a client. For our standard asset management
services, we generally look for at least $250,000 in investable assets. We may, in our discretion, accept
clients with a lower amount and may aggregate accounts held by members of the same household to
meet this level.
The Sub-Adviser that sponsors the sub-advisory platform may have its own minimum account size and
minimum fee requirements for accounts that participate in its programs. The Sub-Adviser will disclose its
minimum account size and fees in its Form ADV Part 2A Disclosure Brochure and any wrap fee program
brochure it provides to you.