Retirement Income Solutions Inc

Item 5 – Fees and Compensation
RIS is a “fee only” Registered Investment Adviser, and the following paragraphs
describe the fee schedule for services provided to clients.

Asset Management and Review Fees
On an annualized basis, our fee for accounts custodied at Pershing, or other is:
1% of the account value up to $1,000,000
0.8% of the account value between $1,000,000 and $2,000,000
0.6% of the account value over $2,000,000.

Asset Monitoring and Review Fees
On an annualized basis, our fee is:
1% of the account value up to $1,000,000
0.8% of the account value between $1,000,000 and $2,000,000
0.6% of the account value over $2,000,000.

There is a minimum account size of $750,000

Fee Calculations
For both Asset Management and Asset Monitoring services, investment advisory fees are
billed quarterly in arrears. The first payment is due the day after the end of the first calendar
quarter in which the account is opened and is prorated for days services were provided. The
fees are calculated based on the average market value of the investments in the Client's
account, including any cash balances, margin debits or balances held in money market funds,
at the beginning and end of the prior calendar quarter.

For Asset Management and Asset Monitoring, services and fees are negotiable and vary
based on the size of the account, complexity of the portfolio, extent of activity in the account,
or other reasons agreed upon by RIS and the client.

For both Asset Management and Asset Monitoring, RIS allows investments in accounts of
members of the same household or family to be aggregated for purposes of meeting fee
breakpoints. RIS allows such aggregation, for example, where we service accounts on
behalf of minor children of current clients, individual and joint accounts for a spouse, and
other types of related accounts. In the event client withdraws more than $50,000 of account
assets, we reserve the right to charge the fees due RIS on the amount withdrawn on a time-
weighted basis.

RIS may amend its fees upon 30 days advance written notice to clients.

Clients can pay the Asset Monitoring and Review and Asset Management and Review fees
directly to RIS, upon invoice. Clients can also provide written instruction to the qualified
custodian authorizing the advisory fee to be deducted from the client account that is managed
by RIS. RIS does not have authority to deduct advisory fees from client accounts without
written consent by the client to the qualified custodian. Further, the qualified custodian
delivers an account statement, at least quarterly, directly to the client, showing all
transactions, including advisory fee deductions. Clients should not rely upon the custodian
to verify the calculation or accuracy of investment advisory fees. RIS encourages clients to
review the RIS invoice with the amount of fees actually deducted from the account.

Advisory fees for Account(s) maintained at Nationwide are calculated at the end of each
quarter based upon the asset market value of the Account(s) at the end of the quarter.

RIS will comply with applicable laws and regulations relating to receiving fees by debiting
a client’s account directly with client authority.

The Agreement can be terminated by either a client or RIS within five days of the date of
acceptance without penalty to the client. After the five-day period, either party, upon receipt
of written notice from the other, may terminate the Agreement. In the event of termination,
prorated fees will be charged based on the asset market value on the date notice is received.

Third Party Investment Adviser Fees
Fees paid by the client to TPAs are established and payable in accordance with the Form
ADV Part 2A disclosure document provided by each TPA to whom RIS refers its clients.
These fees may or may not be negotiable. Clients who are referred to TPAs will receive full

disclosure, including services to be provided and fee schedules, at the time of the referral.
RIS or the TPA will deliver a copy of the relevant TPA’s Form ADV Part 2A. Upon initial
account opening, RIS will provide to each client all appropriate disclosure statements,
including disclosure of solicitation fees to RIS. Any disclosure statements beyond the initial
account opening will be provided by the TPA.

Retirement and Financial Planning Fees
RIS provides retirement and financial planning for a fixed fee starting at $1500, depending
upon the complexity of the plan. Factors that add complexity include generating numerous
retirement age scenarios and the projected results, real estate investments, other income
producing assets, and more in-depth planning such as Roth conversions. These examples are
not an exhaustive list of considerations in the planning fee charged by RIS. Such expenses
shall be due and payable upon completion of the services rendered.

Retirement Plan Consulting Fees
On an annualized basis, the fee for Retirement Plan Consulting Services is:
1.0% per annum of account value of Participants’ accounts.

The first payment of investment advisory fees will be due the day after the end of the first
calendar quarter in which this Agreement is executed and will be prorated for the days
services were provided. The fees shall be paid based on the average market value at the
beginning and end of the calendar quarter of the Participants’ accounts’ assets. Fees are
billed quarterly in arrears.

Fees for this service will be deducted directly from Participants’ accounts or will be paid
by the Plan directly to RIS. The fees for this service are separate and apart from the fees
charged by other third parties.

General Information on Advisory Fees
All of RIS’s client assets are maintained with a qualified third-party custodian. Based on
authorization provided by the client, RIS has the authority to debit advisory fees directly
from certain client accounts, which is considered to be custody of client funds.
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Item 7 – Types of Clients

RIS provides services to a number of clients:

        Individuals, including high net worth individuals

        Trusts, estates and charitable organizations

        Pension and profit-sharing plans

        Corporations or other business entities

        Not for profit entities