Retirement Planning Group LLC

Item 5 – Fees and Compensation

     The following paragraphs detail the fee structure and compensation methodology for services provided
     by the Advisor. Each Client engaging the Advisor for services described herein shall be required to
     enter into one or more written agreements with the Advisor.

     A. Fees for Advisory Services
     Wealth Management Services
     Investment advisory fees are paid in advance of each calendar quarter pursuant to the terms of the
     investment advisory agreement. Investment advisory fees are based on the market value of assets
     under management at the end of the prior calendar quarter. Investment advisory fees range up to 1.00%
     annually based on several factors, including: the scope and complexity of the services to be provided;
     the level of assets to be managed; and the overall relationship with the Advisor. Relationships with
     multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be
     charged a higher fee.

     The investment advisory fee in the first quarter of service is prorated from the inception date of the
     account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor.
     The Client’s fees will take into consideration the aggregate assets under management with the Advisor.
     All securities held in accounts managed by Retirement Planning Group will be independently valued by
     the Custodian. Retirement Planning Group will conduct periodic reviews of the Custodian’s valuations.

     The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody
     fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the
     Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs.

     B. Fee Billing
     Wealth Management Services
     Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s
     account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of
     the fees to be deducted from the Client’s account[s] at the beginning of the respective quarter. Clients
     will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the
     investment advisory fee. Clients are urged to also review and compare the statement provided by the
     Advisor to the brokerage statement from the Custodian, as the Custodian does not perform a verification
     of fees. Clients provide written authorization permitting advisory fees to be deducted by Retirement
     Planning Group to be paid directly from their account[s] held by the Custodian as part of the investment
     advisory agreement and separate account forms provided by the Custodian.

                                               Retirement Planning Group, LLC
                                              2691 State Route 9, Malta, NY 12020
                                           Phone: (518) 580-1919 | Fax: (518) 580-1194
                                                     http://www.rpgretire.com

     C. Other Fees and Expenses
     Clients may incur certain fees or charges imposed by third parties, other than Retirement Planning
     Group, in connection with investments made on behalf of the Client’s account[s]. The Client is
     responsible for all custody and securities execution fees charged by the Custodian, as applicable. The
     Advisor's recommended Custodian does not charge securities transaction fees for ETF and equity
     trades in a Client's account, provided that the account meets the terms and conditions of the
     Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds and
     other types of investments. The fees charged by Retirement Planning Group are separate and distinct
     from these custody and execution fees.

     In addition, all fees paid to Retirement Planning Group for investment advisory services are separate
     and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable.
     These fees and expenses are described in each fund’s prospectus. These fees and expenses will
     generally be used to pay management fees for the funds, other fund expenses, account administration
     (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able
     to invest in these products directly, without the services of Retirement Planning Group, but would not
     receive the services provided by Retirement Planning Group which are designed, among other things,
     to assist the Client in determining which products or services are most appropriate for each Client’s
     financial situation and objectives. Accordingly, the Client should review both the fees charged by the
     fund[s] and the fees charged by Retirement Planning Group to fully understand the total fees to be
     paid. Please refer to Item 12 – Brokerage Practices for additional information.

     D. Advance Payment of Fees and Termination
     Wealth Management Services
     Retirement Planning Group is compensated for its wealth management services in advance of the
     quarter in which services are rendered. Either party may terminate the investment advisory agreement,
     at any time, by providing advance written notice to the other party. The Client may also terminate the
     investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no
     cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services
     rendered to the point of termination and such fees will be due and payable by the Client. Upon
     termination, the Advisor will refund any unearned, prepaid investment advisory fees from the effective
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Item 7 – Types of Clients

     Retirement Planning Group offers investment advisory services to individuals, high net worth
     individuals, charitable organizations, and corporations. Retirement Planning Group generally does not
     impose a minimum relationship size.