Retirement Portfolios LLC

Fees & Compensation
RP is compensated in 3 ways - 1) fixed flat fee 2) hourly charge 3) percentage of assets under management. Listed below
is a description of each compensation arrangement as well as possible conflicts of interest regarding compensation.

The Adviser reserves the right to terminate any financial planning engagement where a client has willfully concealed or
has refused to provide pertinent information about financial situations when necessary and appropriate, in the Adviser’s
judgment, to providing proper financial advice. Any unused portion of fees collected in advance will be refunded.

Please visit page 14 to read about brokerage.

Fixed Flat Fee

The negotiable flat fee ranges from $500 to $10,000 per plan, depending on the complexity of a client's financial
situation. Half the fee is due in advance, the rest upon presentation of the plan. In addition, the Advisor may charge fees
for financial planning workshops. When it does so, the fee is up to $100 and is usually paid in advance, customarily
through an online portal. IN ALL CASES, if a client cancels, any prepaid fees will be refunded on a pro-rated basis. Under
no circumstances will RP require prepayment of a fee more than 6 months in advance and in excess of $500, as services
will be rendered within six months of the date of contract.

Hourly Charge

The Adviser provides hourly services for clients in addition to services for a flat fee for written financial plans or for those
who need advice on a limited scope of work. Hourly fees are agreed upon in advance, are negotiable and are paid after
the consultations. The negotiable hourly fee will be agreed upon prior to services beginning and will be based on the
scope, complexity, and size of the project.

Percentage of Assets Under Management

RP manages client accounts (on a discretionary basis) for a negotiable fee based on a percentage of assets under
management. Portfolio management fees may be negotiable depending on factors such as the amount of assets under
management, range of investments, and complexity of the client’s financial circumstances, among others. The
annualized maximum negotiable fee for portfolio management services are based on the following fee schedules:

    Annual Fee Schedule For Accounts Held at Security Benefit:

    All                                  1%           per year

    Note: Security Benefit typically charges a .25% annual fee in addition to the fee Retirement Portfolios, LLC charges. This fee
    is not calculated into the above fee schedule. There is also a $35 a year administrative fee charged by Security Benefit for
    each individual account with a value of less than $50,000. Other fees may also apply from time to time, such as requests for
    distributions not processed through Security Benefit’s website or if certain investments are selected.

    Maximum Annual Fee Schedule For Householded Accounts Held at Altruist:

    First $1 Million                   0.134%        per month

    $1 Million - $2 Million           0.1125%        per month

    $2 Million+                        0.092%        per month

    Note: Altruist has commission free trading for ETFs, stocks, and some mutual funds. Transaction fees may apply for certain
    mutual funds, bonds, and other investments. They may also charge additional fees for certain services. A full listing of those
    fees can be found at https://altruist.com/m/Altruist-Fee-Schedule.pdf. These are separate and distinct from any fees
    charged by the Advisor.

Billing statements at Altruist will reflect a calculation based on an annual rate and number of days for that month.
0.1345% per month = 1.6% per year, 0.1125% per month = 1.35% per year, and 0.092% per month = 1% per year. If a
client had an account worth $1,000 on a month in which there were 31 days, the bill will show ($1,000 billable assets x
1.6% annual fee) x (31 days in month / 365 days in year) = $1.36. Over the course of the year the billing will average the
numbers quoted above, though some months may be slightly higher and some slightly lower depending on the number
of days for that month.

At times a client’s account may be invested in products that carry additional internal fees to them. The fees and
expenses charged by these product providers are separate and distinct from the management fee charged by the
Adviser. These fees and expenses are described in each fund’s prospectus or offering memorandums. These fees will
generally include a management fee, other fund expenses and a possible distribution fee. A client could invest in certain
mutual funds or investment partnerships directly without the services of the Adviser.

Please note that the breakpoint pricing is NOT 'retroactive’: when a breakpoint is surpassed, the fees assessed are
reduced only for the assets above each breakpoint. Fees at Altruist can be aggregated based on household if a client
elects to have one created within the system. From time to time it may be advantageous for a client to open an account
at multiple custodians. Accounts held at multiple custodians will not be counted towards aggregate pricing breakpoints.

The fee will be based on the gross value of your accounts at each custodian individually, and will be paid in advance
monthly directly from your account. A bill showing the amount of the fee, how it was calculated, and the value of the
assets upon which the bill is based will be made available through your login at Altruist for accounts held there. For
accounts at Security Benefit, the amount billed will be on each statement. Fees may be assessed pro rata in the event
the portfolio management agreement is executed at any other time other than the first day of a calendar month. Due to
technology limitations on Security Benefit’s platform, the 1% annual fee will be billed at .09% of the account’s value on
the first month of each quarter and .08% on other months.
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Types of Clients
RP generally offers investment advice to individuals, high net worth individuals, trusts, estates, charitable organizations,
endowments, and corporations or business entities.

Account Minimums

Generally, RP requires a combined household account minimum of $300,000 for asset management services and a net
worth of at least $1,000,000 for financial planning services. However, in its sole discretion, RP may waive or lower this
minimum.

     Methods of Analysis, Investment Strategies and Risk of Loss