Retirement Resources LLC

Item 5 – Fees and Compensation

In addition to the information provide in Item 4, Advisory Business, this section provides additional
details regarding our firm’s services along with descriptions of each service’s fees and compensation
arrangements.

You receive a complimentary general consultation to discuss our services available, to give you time to
review services you may need, and to determine the possibility of an advisory relationship with us.
Advisory services begin only after we formalize the relationship with a signed client agreement detailing
the services to be provided and the fees charged for those services. Fees can be paid by personal
check, credit card billing or preauthorized payment from a designated account.

Financial Planning Services

Financial Plans

We offer written financial plans consistent with your current financial situation as well as your time
horizon, risk tolerance, financial goals and objectives. We will also assist you in completing an
investment policy statement at your request or if we think it is appropriate for your situation. Plans can
include, but are not limited to, topics such as financial and cash management, risk management, financial
issues relating to divorce or marital issues, estate planning, tax issues, retirement planning, educational
funding or goal setting.

Our investment advisor representatives (“representatives”) meet with you to gather information and
documentation needed to perform an analysis and review of your situation as well as your objectives and

Retirement Resources, LLC                                                                   Disclosure Brochure

goals. One or more meetings may be required in order to gather all needed information and determine
the services best suited to help meet your needs. We rely on the information provided by you. Therefore,
it is very important that the information you provide is complete and accurate. We are not responsible for
verifying the information supplied by you. Our services do not include legal or tax advice. You are also
urged to work closely with your attorney, accountant or other professionals regarding you financial and
personal situation.

After completing a review and analysis of the information and documents received, our representatives
develop their analyses and recommendations and present either a comprehensive or modular
(segmented) financial plan to you. A comprehensive plan focuses on your overall financial situation and
covers several of the areas previously noted, as needed by your specific situation. A modular
(segmented) plan focuses only on one or more specific area(s) of concern to you, and you should be
aware that other important issues may not be taken into consideration when our representatives develop
their analyses and recommendations.

As explained in Item 4 of this brochure, most commonly, financial planning services will be available and
bundled with our Asset Management Services resulting in no additional cost for ongoing financial
planning services for those that are also ongoing management clients.

For people that are not Asset Management Services clients, but would like to engage our firm for financial
planning services, the minimum fee for a financial plan is $1,500 while the maximum fee does not exceed
$10,000. The fee is negotiable based on the actual services requested and the complexity of your
situation. Fees are disclosed to you prior to any services being provided. A retainer of $500 is due at the
time the client agreement is signed, with the remainder due at the time the plan is presented to you.

Financial planning services terminate upon presentation of the plan to you. However, either of us can
terminate the client agreement at any time by providing written notice to the other. Termination is
effective immediately upon receiving the notice. If services are terminated within 5 business days of
signing the client agreement, services are terminated without penalty. You are charged a prorated fee for
the time expended to the date of termination, based on the percentage of the requested plan completed
prior to termination becoming effective. We send you a billing statement detailing the prorated fee due
from you or the prorated refund due to you.

Consultations

You can also contract for consultation services on any topic of interest to you including, but not limited to,
issues relating to investments and portfolios. Consultation services are not comprehensive in nature and
focus only on the areas you select. Therefore, you should be aware that your overall financial and
investment needs may not be considered when providing these services. Consultations can consist of a
single meeting or multiple meetings, but you have final determination as to how long consultation services
last. No written reports are provided for consultation services.

Our consultations can also include advice and recommendations concerning (1) variable life/annuity
products you may own, (2) your individual employer-sponsored retirement plan as well as research on
possible investment products. We can recommend allocating your assets among the various mutual fund
subdivisions comprising your variable life/annuity product or your retirement plan. Your assets are
maintained at either the specific insurance company that issued the annuity product or the custodian
designated by the sponsor of your retirement plan. We do not implement any transactions in your
accounts. If you elect to follow our recommendations, you are responsible for implementing all
transactions required.

Most commonly, consulting services will be available and bundled with our Asset Management Services
resulting in no additional cost for ongoing financial planning services for those that are also ongoing
management clients.

Retirement Resources, LLC                                                                    Disclosure Brochure
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Item 7 – Types of Clients

We provide investment to individuals.

Minimum Investment Amounts Required

There is a minimum charge of $1,500 for a financial plan and a minimum charge of $500 for multiple
meeting consultation services.

We do not have any minimum investment amounts or conditions required for establishing an advisory
account.