Retirement Solutions Group Inc

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 CO-ADVISOR FEES
 Gradient Investments, LLC
 RSG has entered into a Co-Advisor Agreement with Gradient Investments, LLC (“GI”). GI is a
 Registered Investment Advisor registered with the Securities and Exchange Commission
 that provides investment portfolio advice and supervisory services.
 GI offers an actively managed program of mutual fund and stock portfolios. The fee will be
 disclosed to the Client in the Investment Advisory Agreement and are negotiable. The
 Clients fee for these services will be based on a percentage of assets under management as
 follows:
                                  Asset           Stated Total                    RSG Fee
 Portfolio                                                           GI Fee*
                                  Valuation       Annual Fee                    (Negotiable)
 Custom Indexing - Strategic      All Assets           2.15%         1.15%         1.00%
 Strategic                        All Assets           2.00%         1.00%         1.00%
 Custom Indexing - Allocation     All Assets           1.85%         0.85%         1.00%
 Allocation                       All Assets           1.70%         0.70%         1.00%
 Tactical                         All Assets           1.80%         0.80%         1.00%
 Defined Outcome                  All Assets           1.70%         0.70%         1.00%
 Private Wealth                   All Assets           1.50%         0.50%         1.00%
 Preservation                     All Assets           1.00%         0.40%         0.60%
 Client Directed Accounts         All Assets           $300           $300           $0
 For Client Directed Accounts (CDA), GI will assist in the opening, closing and transferring of
 accounts. GI will not have discretion at any time on these accounts. Client is solely
 responsible for the assets held within the accounts and their values which could increase or
 decrease (potential loss of principal). GI will not execute trades in CDA accounts. GI
 exceptions will be made for withdrawals to client or assets transferred into a GI managed
 portfolio. GI will also provide performance reporting on these accounts and can furnish
 3rd party analysis reports per the client’s request. Similar services may be available
 through other sources for a lower fee.
 These are flat fee schedules, the entire portfolio is charged the same asset management fee.

                                  Retirement Solutions Group, Inc.

Example:
 Portfolio                                            Calculation                   Quarterly Fee
 Custom Indexing – Strategic:                         ($750,000*2.15%) * (91/365) $4,020.21
 Strategic Portfolio:                                 ($750,000*2.00%) * (91/365) $3,739.73
 Tactical Portfolio:                                  ($750,000*1.80%) * (91/365) $3,365.75
 Custom Indexing – Allocation:                        ($750,000*1.85%) * (91/365) $3,459.25
 Allocation & Defined Outcome Portfolio:              ($750,000*1.70%) * (91/365) $3,178.77
 Private Wealth Portfolio:                            ($750,000*1.50%) * (91/365) $2,804.79
 Preservation Portfolio:                              ($750,000*1.00%) * (91/365) $1,869.86
Fee Calculation: (Quarter End Value x Annual Fee %) x (Days in Quarter/Days in Year)
+ $15 Quarterly Service Fee*

* The $15 Quarterly Service Fee is the technology fee charged by GI per account or
investment strategy for performance and other reporting. This fee is disclosed in GI’s ADV
Part 2A (Item 5: Fees and Compensation) and in GI’s Investment Proposal and Contract
(Schedule D: Schedule of Fees).
The above fees are negotiable. Fees are assessed quarterly in arrears based on the amount
of the assets managed as of the end of the previous quarter and will take into account
additions and withdrawals in the time period. All management fees are withdrawn from
the Client’s account unless otherwise noted. GI will receive written authorization from the
Client to deduct advisory fees from their account held by a qualified custodian. GI will pay
RSG their share of the fees. RSG does not have access to deduct Client fees. Clients may
terminate their account within five (5) business days of signing the investment advisory
agreement without penalty or obligation. For terminations after the initial five business
days, GI will be entitled to a pro-rata fee for the days service was provided in the final
quarter. GI will pay RSG their portion of the final fee.
Incentive Program - GI
In addition to the regular advisory fee, GI has instituted a long-term incentive arrangement
by RSG can share in GI’s portion of the management fee. This does not change the cost to
the Client; it is a sharing arrangement paid from GI’s portion of the advisory fee. The
incentive arrangement will be paid annually according to the following table:
             RSG Quarterly AUM with GI                     Participation rate in GI’s fee
                   $10,000,000                                         3.00%
                   $25,000,000                                        10.00%
                   $50,000,000                                        12.50%
                   $75,000,000                                        15.00%
Once RSG reaches and maintains the thresholds listed above, the participation rate applies
to all of the AUM for the quarter.
To receive the incentive award, RSG needs to meet two qualifications. First, the quarter end
billable AUM must be above the threshold amounts specified. Second, RSG must be an
advisor “in good standing” with GI at the time the annual checks are issued. “In good
standing” means the advisor is proactively placing assets with GI.

                                 Retirement Solutions Group, Inc.

 This relationship will be disclosed to the Client in each contract between RSG and Third
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Item 7: Types of Clients
Description
 RSG generally provides investment advice to individuals, high net worth individuals, and
 corporations or business entities. Client relationships vary in scope and length of service.
Account Minimums
 Account minimums are determined by the TPMs RSG refers its’ Clients to.