Retirement Wellness Group LLC

Item 5 - Fees and Compensation
A. How RWG is Compensated

    Retirement Plan Services
    RWG is compensated pursuant to an agreed upon fee schedule included in each retirement plan advisory
    agreement signed by the plan sponsor. The type and amount of the fees charged to the client are negotiable
    and are generally based on the following factors:

           scope of services to be provided, including whether the services are considered to be consulting or
            fiduciary in nature
           size and complexity of the plan
           number of plan participants
           location of the plan participants
           estimated number of meetings required
           other factors that may be deemed relevant by RWG when negotiating with the client

    An estimate of the total cost will be determined at the start of the advisory relationship. Fees are negotiated
    with the plan sponsor in advance of signing the advisory agreement. Generally, RWG is compensated in one
    of the following ways:

           Assets Under Management

            Under this method, the fees paid to RWG will be determined by reference to the value of plan assets
            held in custody by the plan’s custodian. Generally, RWG charges an annualized fee of up to 1.00% of
            the plan assets for the retirement plan services described above with a minimum annual fee of $6,000
            for 3(21) fiduciary services and $10,000 for 3(38) investment management services. Asset based fees
            are generally collected in one of the following ways:

                □   Quarterly in Advance
                □   Quarterly in Arrears
                □   Determined according to policies of plan’s recordkeeper

        When fees are determined on a quarterly basis (whether in advance or arrears), the fees will be based
        on the value of the Account as of the close of business on the last day of the most recent calendar
        quarter. Unless we agree otherwise, no adjustments or refunds will be made in respect of any period
        for (i) appreciation or depreciation in the value of the Plan account during that period or (ii) any partial
        withdrawal of assets from the account during that period.

       Flat Fees

        Under this method, the fees paid to RWG will be determined by reference to the value of plan assets
        held in custody by the plan’s

        RWG charges a fixed fee for specific retirement plan services. The total retirement plan fee will be
        determined based upon the nature and complexity of the planning services provided to you. Fees
        charged for retirement plan services on a fixed basis generally range from as little as $1,000 to as
        much as $25,000.

        RWG may collect a portion of the fee upfront with the remaining portion due upon the delivery of
        the retirement plan to you. However, retirement payments will not exceed $1,200 in advance for
        development of a retirement plan that will not be completed within six months. You can authorize
        fee payment from either an RWG advisory account or from your checking or savings account to pay
        for retirement plan services. The RWG advisory account used for debiting generally must be a non-
        qualified account on a platform approved for fee-debiting. You also have the option to choose to
        renew your contract on an annual basis, which is represented in the advisory agreement.

        Retirement plan fees described above do not include the fees you will incur for other professionals
        (e.g., personal attorney, independent Investment Adviser, or accountant) in connection with the
        retirement plan process.

        You should understand that the retirement plan fees charged to you may be higher or lower than
        the fees charged by other investment advisers for similar services. You should consider the level
        and complexity of your personal circumstances, financial situation and the services that will be
        provided, the scope of the engagement, your gross income, the experience and standard fees
        charged by the firm providing the services, and the nature and total dollar asset value of the assets
        upon which services will be provided.

Wealth Management Services
The fee is based on a percentage of assets under management and is negotiable. The annualized fees for
investment management services are based on the following fee schedule:

       Assets Under Management

                               Assets Under Management ($)                 Annual Rate (%)
                               0 to 500,000                                0.75%
                               500,001 to 1,000,000                        0.60%
                               1,000,001 to 5,000,000                      0.55%
                               More than 5,000,000                         0.50%

        Advisory fees are deducted by the custodian from client accounts in advance or arrears on a quarterly
        or monthly basis based on the previous billing cycle end value or the average daily balance as selected.

           The investment advisory fees in the first quarter of the agreement shall be prorated from the inception
           date to the end of the first billing cycle.

           The client will also receive quarterly statements from the custodian that provides details of the advisory
           fees. Wire transfer fees, small account fees and other fees charged by the custodian incurred at the
           direction of the client are not included in the fee charged by Advisor and shall be paid by the client.
           Operating fees of mutual funds, such as 12b-1 fees, and other investment product fees are deducted
           from the asset value of those investments as defined in the prospectus of the sponsor for each
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Item 7 - Types of Clients
Our Retirement Plan Services are available to clients that are sponsors or other fiduciaries to plans, including but
not limited to 401(k), 457(b), 403(b) and 401(a) plans. Plans include participant-directed defined contribution
plans and defined benefit plans. Plans may or may not be subject to ERISA.

We provide Wealth Management Services to individuals and high net-worth individuals. We do not have a
minimum account size requirement.