Retiremitten Financial LLC

ITEM 5: FEES AND COMPENSATION
In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and each
service’s fees and compensation arrangement. The Client and RetireMitten’s Investment Advisory Agreement will outline
and agree upon the exact costs and other terms related to the Client’s Accounts.
                                                       RetireMitten Financial LLC
                                    522 N. Main Street, Suite 200 Milford, MI 48381 | (248) 935-0470

The Client has the right to terminate the Investment Advisory Agreement without penalty and fees within five (5) business
days after entering into the contract. How we are paid depends on the type of advisory service we are performing. Please
review the fee and compensation information below.
INVESTMENT MANAGEMENT

RetireMitten requires a $350,000 account minimum to engage us for this service. However, sometimes, at our sole
discretion, we may accept smaller accounts based on various criteria, such as anticipated future assets, related accounts,
and other individual Client circumstances.
RetireMitten charges an Asset-Under-Management (AUM) fee which bases the fee on the market value of assets we are
managing. Currently this fee is as follows:

                             Assets Under Managment                            Annual Advisory Fee
                                  $0 - $1,000,000                                    1.00%
                               $1,000,001 and over                                   0.50%

The minimum Annual Fee is $6,500per year. The amount of the fee attributable to Investment Management will not exceed
2% of the Client’s Assets Under Management at any time. Clients can combine multiple household accounts to receive a
lower fee based on the tiered schedule. Financial planning fees will be offset for related advisory services attributed to
Client assets under management.

This fee includes both investment management and financial planning services. RetireMitten and its agents are not
affiliated with a broker/dealer or insurance broker, and as such do not carry licenses necessary to receive securities or
insurance commissions.
The annual fees are negotiable and are pro-rated and paid arrears on a quarterly basis and are calculated based on the
ending market value of the account as of the last business day of the quarter. No increase in the annual fee shall be effective
without agreement from the Client by signing a new agreement or amendment to their current advisory agreement.
Advisory fees are directly debited from client accounts, or the Client may choose to pay by check (Please see Item 15 below
for more information regarding the direct debiting of advisory fees). Accounts initiated or terminated during a calendar
quarter will be charged a pro-rated fee based on the number of days the account was open during the final billing period.
An account may be terminated with written notice at least 30 calendar days in advance. In the event of termination, any
earned but unpaid fees will be due for any work completed up to the date of termination. Since fees are paid in arrears, no
refund will be needed upon termination of the account. RetireMitten Financial LLC is prohibited against compensation
based upon share of capital gain or capital appreciation of the Client’s assets.

FINANCIAL PLANNING

One-Time Comprehensive Financial Plan
Typically, financial planning fees are included in the investment advisory fee specified above.
For client’s that need a one-time financial plan, clients will be charged based on a fixed-fee arrangement with the max fee
being $4,800.

Fees charged for our financial planning services are negotiable based upon the type of Client, the services requested, the
investment adviser representative providing advice, the complexity of the Client's situation, the composition of the Client's
account, other advisory services provided, and the relationship of the Client and the investment adviser representative.
The amount of the fee for your engagement is specified in your financial planning agreement with us. At our sole discretion,
                                                       RetireMitten Financial LLC
                                    522 N. Main Street, Suite 200 Milford, MI 48381 | (248) 935-0470

the Client may be required to pay the fee at the time the agreement is executed with our Firm; however, our Firm does not
require or solicit prepayment of more than $500 in fees per Client, six months or more in advance. The fee is considered
earned upon delivery of the financial plan, and any unpaid amount is immediately due.
The Client may pay the fees owed for the financial planning services by submitting payment directly via AdvicePay or by
deducting the fee from an existing investment account. If the Client elects to pay by automatic deduction from an existing
investment account, they will provide written authorization to our Firm for such a charge.

If the Client terminates the financial planning services after entering into an agreement with our Firm, the Client will be
invoiced and responsible for immediate payment of any hourly financial planning services performed by us before receiving
notice of termination. For financial planning services, our Firm performs under a fixed fee arrangement, the Client will be
responsible for paying a pro-rated fixed fee equivalent to the percentage of work that our Firm completed. If there is a
remaining balance of any fees paid in advance after deducting fees from the final invoice, those remaining proceeds will be
refunded to the Client.

OTHER TYPES OF FEES AND EXPENSES

Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which may be
incurred by the Client. Clients may incur certain charges imposed by custodians, brokers, and other third parties such as
...

ITEM 7: TYPES OF CLIENTS
We provide financial planning and portfolio management services to individuals, high net-worth individuals, trusts, and
corporations. We require a minimum account value of $350,000 to provide advisory services. To reach this account
minimum, Clients can aggregate all household accounts. Exceptions may be granted to this minimum for the Client's
relationship with the representative. However, sometimes, at our sole discretion, we may accept smaller accounts based
on various criteria, such as anticipated future assets, related accounts, and other individual Client circumstances. Our
Minimum Annual Fee is $6,500 per year. The amount of the fee attributable to Investment Management will not exceed
1.00% of the Client’s Assets Under Management at any time.