Retirement Plan Advisors LLC

Item 5 – Fees and Compensation

Financial Planning
Financial planning fees are negotiable and may be structured as fixed, hourly, or asset-based
fees.
      The minimum fee for financial planning services is $150.
      Basic financial plans typically average $600.
      Comprehensive financial plans typically average $1,500.
      Hourly fees typically range from $100-$250 per hour, but will not exceed $500 per hour.
      In limited circumstances, an asset-based consulting fee may be charged and will not
       exceed 2.25% annually of assets consulted upon.

Fees and payment terms are agreed upon in advance. RPA may require up to 50% of the total
fee upon execution of the agreement.

If the client elects to terminate the agreement at any time (by submitting written notice to RPA),
fees that are collected in advance will be refunded based on the prorated amount of work
completed at the point of termination and the total days during the billing period. The exception
is that a full refund of any fees paid will be made if the contract is terminated by written notice
within five (5) business days of the day of execution. Unearned fees will be returned promptly to
the client.

Investment Management Services

      Investment Managed Accounts
       The asset-based advisory fee will not exceed 2.25% per year on assets under
       management. Trading, custodial, and account service fees, which are in addition to the
       advisory fee charged by RPA, may apply. Fees typically are deducted from a client’s
       account and may be charged monthly or quarterly, in advance or in arrears, depending
       on the agreement.

      Retirement Plan Advisors’ PortfolioPlus
       The maximum fee for PortfolioPlus is 2.25% per year on assets under management. The
       account is billed quarterly in arrears and may have a $3.75 quarterly maintenance
       charge.

      Advisor-Directed (WealthPort)
       Clients are charged an annual fee for custody and trading (program fee) and advisory
       services. An optional setup fee for additional services may be charged, when applicable.
       The client account may be billed monthly or quarterly, in advance or in arrears,
       depending on the agreement. The maximum fee is 2.25%.

      Team-Directed (WealthPort)
       Clients are charged an annualized program fee, that is tiered based on the size of the
       account. The program fee covers clearing and custody, performance reporting, IRA
       maintenance fees (if applicable), cost basis, and client statements and trade

       confirmations. The client also will be charged an annualized RPA strategist fee, for
       model design, implementation, and advisory services. An optional setup fee for
       additional services may be charged, when applicable. The maximum fee is 2.25%

      CAAP® (WealthPort)
       Fees for the CAAP® program are a maximum 2.15% per year of assets under
       management. CAAP® charges an annual account fee for advisory, transaction and
       custodial (program fee), and strategist services. An optional setup fee for additional
       services may be charged, when applicable.

Non-ERISA Employer Retirement Plan Consulting
Fees are subject to negotiation. RPA provides employer pension consulting to governmental
employers. Fees for these services are available on an asset fee, fixed fee, or hourly basis.

ERISA Plan Consulting and Managed Accounts
Fees are subject to negotiation. RPA provides plan-level consulting and managed account
services to retirement plans covered under ERISA. Fees for these services are available on an
asset fee, fixed fee, or hourly basis.

Mutual Fund Fees
Fees and expenses charged by mutual funds are separate and distinct from RPA’s advisory
fees. These may include various share class or asset-based sales charges, internal operating
fees, management fees, and service and/or distribution fees (12b-1). RPA IARs will make
informed decisions when they select appropriate share classes for their clients – for instance,
choosing between a share class with no transaction fees versus a share class that charges a
transaction fee but has a lower expense ratio. RPA strives to identify the lowest overall cost to
its clients. Some share classes, such as institutional shares, are only available in qualified
accounts or have account minimum restrictions. Clients should not assume that they are
invested in a share class that has the lowest operating expense or cost and should fully review
each fund’s prospectus prior to investing.

Additionally, RPA IARs, in their separate capacity as registered representatives of a
broker/dealer, will receive normal compensation should their clients choose to invest in
commission-based accounts.

12b-1 Fees
12b-1 fees are paid from certain mutual fund companies for marketing and distribution services.
For ERISA and fee-based advisory accounts, any 12b-1 fees received are credited back by the
clearing firm or CIR where applicable to the client’s account, to avoid a conflict of interest.

RPA IARs, in their separate capacity as registered representatives of a broker/dealer, may
receive commissions on deposits into client group retirement plan accounts. In this capacity,
RPA IARs do not receive both 12b-1 fees and commissions on commission group retirement
accounts.

Payment of Fees
The specific manner in which fees are charged by RPA is established in the client’s written
agreement with RPA. RPA will generally deduct its fees from client accounts on a monthly or
quarterly basis based on the client’s written agreement with RPA. Clients may be billed in
advance or arrears and may elect to be billed directly for fees or to authorize RPA to directly
debit fees from their accounts dependent upon the type of advisory program. Management fees
may be for each contribution and withdrawal made during the applicable calendar month or
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Item 7 – Types of Clients

RPA provides portfolio investment advice to individuals, high-net-worth individuals, pension and
profit-sharing plans, group retirement plans, banking or thrift institutions, trusts, estates,
charitable organizations, and state or municipal government entities.

RPA generally requires a $25,000 initial investment to open a managed account. The minimum
initial investment amount may be waived under certain circumstances, for specific registrations,
or if you are part of a household that has at least one managed account with a value of $25,000.

A minimum initial investment of $5,000 is typically required to participate in the WealthPort
Program. Depending on whether you are utilizing Advisor-Directed, Team-Directed, or CAAP®,
higher minimums may apply. Further, the minimum initial investment amount may be waived
under certain circumstances, for specific registrations, or if you are part of a household that has
at least one managed account with a value of $25,000. Your IAR can discuss the specific
minimums that apply to your selection.

Retirement Plan Advisors’ PortfolioPlus program does not have a minimum investment amount.