Retirement Plans Inc

Item 5 Fees and Compensation
Description & Fee Billing

Investment management services are provided based on written agreement. The agreement includes
fee schedules, and advisory fees are generally payable monthly/quarterly based upon the net value of
the account on the last business day of the previous quarter. For accounts opened during the quarter,
the net value of assets contributed to the account serves as the basis for the fees for that
month/quarter which is calculated on a prorated basis. As part of the written agreement, Client
authorizes the custodian to deduct RPI’s fee directly from the account upon presentation of an
appropriate invoice showing the calculation of the fee. Fees are based solely upon a percentage of
assets under management or being advised on.

The fee schedule is:

For Individuals, RPI provides investment advisory services for an annual fee based upon a percentage
of the market value of the assets being managed by the firm. RPI’s annual fee is exclusive of, and in
addition to brokerage commissions, transaction fees, and other related costs and expenses which are
incurred by the client. RPI does not, however, receive any portion of these commissions, fees, and
costs. Fees will range from .5% to 1.00% as defined in the tiered fee schedule of the advisory
agreement which is listed below.

                 Investment Value Range                             Annual Fee
 $           1.00           $      250,000.00                         1.00%
 $     250,001.00           $      500,000.00                         0.85%
 $     500,001.00           $    1,000,000.00                         0.70%
 $   1,000,001.00                 and above                           0.50%

For example, if your account is $500,000 in value, the monthly fee is calculated by multiplying
$250,000 by 1% plus the next 250,000 is multiplied by .85%, then take the total sum and divide by 12
to arrive at the total due. If this fee were being paid quarterly the sum would be divided by 4 to arrive
at the total due. In this example, the effective fee rate is 0.925%. All of your accounts are grouped
when determining fee.

RPI may discount or waive fees based special circumstances and situations.

For Retirement Plans, RPI provides investment advisory services for an annual fee based upon a
percentage of the market value of the assets being advised on by the firm. Fees will range from .10%
to .70% as defined in the fee schedule of the advisory agreement. The fees in the agreement/fee
schedule may be listed as basis points in determining the compensation rate and will list whether the
fee is being charged quarterly or monthly.

The Agreement may be cancelled by either party in accordance with the provisions of the Agreement.
If the Agreement is canceled prior to the end of the calendar quarter, the unearned portion of the fee
will be charged to the Client. Clients may also terminate the Agreement without incurring any fees
within five days of signing. The foregoing describes RPI’s basic fee schedule, however, fees may be
negotiable in certain limited circumstances and arrangements.

Other Fees and Expenses
Our advisory fees are separate from charges assessed by third parties such as broker dealers,
custodians and mutual fund companies. Brokerage and other transaction costs charged by broker
dealers executing transactions and custodians maintaining your assets are in addition to the advisory
fees and are not negotiable. Investment advisor clients that hold mutual funds in their portfolio(s) will
also pay investment management fees and/or administrative fees. These fees are paid to the
managers of the fund for their role in managing the fund(s) on a daily basis. Mutual funds, variable
annuities and or other platforms may assess other fees and expenses such as 12B-1 fees or
commissions in connection with the placement of your funds. To fully understand the total cost you will
incur, you should review the prospectus for all the fees charged by mutual funds, exchange traded
funds, our firm, and others. For information on our brokerage practices, please refer to the Brokerage
Practices section of this brochure.

Fees Paid In Arrears
Management fees are charged quarterly (1/4 of annual fee) or monthly (1/12 of annual fee) in arrears
based upon the quarter end or month end value of your account and the type of account.

Clients may terminate their advisory contract with the firm in writing, signed receipt required, at any
time, and fees will be charged a pro-rated basis through the end of the calendar quarter/month. We
may terminate relationships with clients, in writing, upon 30 days notice and will charge fees on a pro-
rated basis through the end of the calendar quarter/month.

For Individuals - Your death will not terminate the Investment Management Agreement or authority
granted to our firm to charge for management fees until we have received actual written notification of
your death.

Additional Compensation for the Sale of Securities or Other Investment Products

Persons providing investment advice on behalf of our firm are also licensed insurance agent
representatives. These persons will earn commission-based compensation for selling insurance
products, including insurance products they sell to you. Commissions earned by these persons are
separate and in addition to our advisory fees. This practice presents a conflict of interest because
persons providing investment advice on behalf of our firm who are insurance agents have an incentive
to recommend insurance products to you for the purpose of generating commissions rather than solely
based on your needs.

Retirement Plans, Inc. addresses this potential conflict of interest in that when acting as insurance
agents who receive commissions from sales in insurance products are to make needs-based
recommendations for the best available product, transactions are reviewed for suitability. You are
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Item 7 Types of Clients
Description
We offer investment advisory services to individuals, pension and profit sharing
plans; and corporations.

Account Minimums
The account minimums for individuals is $50,000.00. The firm reserves the right to accept smaller
accounts on a case by case basis.