Retirement Strategies Ltd

Item 5. Fees & Compensation
Compensation for Our Advisory Services.
    Comprehensive Portfolio Management
              Assets Under Management               Annual Percentage of assets charge*

                    First $99,999.99                                1.20%

             Next $100,000 to $249,999.99                           0.95%

             Next $250,000 to $499,999.99                           0.85%

             Next $500,000 to $749,999.99                           0.70%

            Next $750,000 to $1,249,999.99                          0.60%

            Next $1,250,000 to $2,249,999.99                        0.50%

                    Over $2,250,000                                 0.40%

 *Our firm’s fees are billed on a pro-rata annualized basis quarterly in advance based on the value of your
 account on the last day of the previous quarter. Firms fees are negotiable.

 Tiered-Blended Pricing Schedule:
 The actual fees charged to a client account are a blending of the rates. For example, a client with
 $249,999.99 of assets under management would pay 1.20% annually on the first $99,999.99 and 0.95% on
 the second $150,000. The resulting blended fee would be 1.05%.
 We retain the discretion to make exceptions to the published fee schedules on a client-by-client basis. Client
 facts, circumstances and needs are considered in determining the alternative fee schedule. The fees charged to
 clients whose assets have been managed by Retirement Strategies LLC prior to July 2012 may differ from the
 fees charged to newer advisory clients since a flat percentage was offered. Currently, we charge clients based
 on a graduated/tiered percentage of assets.

 Fees will generally be automatically deducted from your managed account. In rare cases, we will agree to
 directly bill clients. As part of this process, you understand and acknowledge the following:

  •   Your independent custodian sends statements at least quarterly to You showing all disbursements
      for your account, including the amount of the advisory fees paid to us. You provide authorization
      permitting us to be directly paid by these terms;
  •   Our invoice includes a legend that urges the client to compare information provided in their
      statements with those from the qualified custodian in account opening notices and subsequent
      statements sent to the client for whom the adviser opens custodial accounts with the qualified
      custodian.

Financial Planning and Consulting
We charge on an hourly or flat fee basis for financial planning and consulting services. For our comprehensive
financial planning and financial consulting services, clients are charged a flat fee that generally ranges
from $750 to $5,000. Our Wealth Builder Plan Service is billed at a flat rate that ranges from $350 - $500 or an
hourly fee that ranges from $150 to $300. Firms fees are negotiable. The total estimated fee, as well as the
ultimate fee that we charge you, is based on the scope and complexity of our engagement with you. All fees and
payment arrangements will be agreed upon in an agreement between the client and our firm.

Our firm’s fees will be invoiced directly to the client if not deducted from a specified advisory account. If the
client elects to have fees deducted from an advisory account, they must authorize their custodian to deduct our
fees directly from the specified advisory account. Client shall have the responsibility to verify the fee and the
accuracy of the fee calculation and Client acknowledges that their custodian does not determine whether the
fee or the calculation is accurate and appropriate. Otherwise, invoiced fees are due within 15 days of receipt.

We may accept one-time payments via PayPal transfer. It is important to note that we will not accept automatic
and/or recurring payments for clients who elect to pay using PayPal.

Employer Savings Plan Monitoring
We charge on a flat fee basis for our Employer Savings Plan Monitoring service. Annual fees generally range
from $250 to $2,500. The total estimated fee, as well as the ultimate fee that we charge you, is based on the
scope and complexity of our engagement with you.

Clients may elect to have our fees deducted from a specified advisory account. In these cases, clients must
authorize their custodian to deduct our fees directly from the specified advisory account. Client shall have the
responsibility to verify the fee and the accuracy of the fee calculation and Client acknowledges that their
custodian does not determine whether the fee or the calculation is accurate and appropriate. Otherwise, fees
will be invoiced directly, where invoices are due within 15 days of signing an agreement with our firm.

Employee Benefit Plan Consulting
Our annual fees for our Employee Benefit Plan Consulting service shall be based on the market value of the
assets under advisement and shall be calculated at up to 0.50% of all assets under advisement. The fee shall be
due and payable quarterly in arrears based upon the value of the Plan's Account(s) on the last day of the quarter.
Should the Plan have more than one Account, the Fee shall be payable in proportion to the respective Account
value(s).

Clients may elect to be invoiced directly, where invoiced fees are due upon 15 days of receipt. Otherwise, fees
will be debited directly from the Plan's Account(s) and Client authorizes the custodian for the Plan assets, which
may be upon instruction from the Plan's administrator, to deduct fees directly from the Plan's Account(s). Client
shall have the responsibility to verify the accuracy of the fee calculation, and Client acknowledges that the
custodian shall have no responsibility to determine whether the fee is properly calculated.

 3rd Party Education Platforms
 Our 3rd Party Education Platform fee is typically based on the size of employee base, location of employees, On-
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Item 7. Types of Clients & Account Requirements
    We have the following types of clients:
    •    Individuals and High Net Worth Individuals; and
    •    Pension and Profit-Sharing Plans.
    Our requirements for opening and maintaining accounts or otherwise engaging us:
     •   We require a minimum fee of $500 for our Comprehensive Portfolio Management and Financial Planning
         and Consulting services.
     •   We may group certain related client accounts for the purposes of determining our advisory fees. Our firm
         reserves the discretion to reduce or waive our fees for financial planning and consulting services for clients
         with assets under management with our firm over $100,000.