Retireright LLC

Item 5 – Fees and Compensation
Fees for Advisory Services
Investment advisory fees are paid monthly, quarterly, or as agreed in advance or in arrears pursuant to the
terms of the investment advisory agreement. Fees are based on the market value of assets under
management at the end of the prior calendar month or quarter or the daily average as agreed in the
advisory agreement. Investment advisory fees are based on the scope and complexity of an account the
degree of expertise required and the amount of time required but generally do not exceed an annualized
rate of 2%.
The investment advisory fee in the first period of service is prorated from the inception date of the
account[s] to the end of the first month or quarter depending on the fee schedule agreement. The Client’s
fees will take into consideration the aggregate assets under management with the firm. All securities held in
accounts will be independently valued by the designated custodian. The firm will not have the authority or
responsibility to value portfolio securities.

   •   If a client terminates an engagement prior to the period, a pro-rated fee calculation will be applied prior
       to releasing the funds.
   •   The firm’s fee is exclusive of, and in addition to, brokerage fees, transaction fees, and other related costs
       and expenses.

Mutual Fund Share Class Disclosures
Certain mutual fund share classes charge a 12b-1 fee that generally amounts to an additional .25% expense
ratio or more. The purpose of 12b-1 fees, as approved by the SEC, are to cover marketing expenses and
shareholder services such as support services and “other expenses” such as the legal, accounting and the
administrative services. When selecting a mutual fund, there is a fiduciary duty to select the share class
that helps manage the overall fee structure of the account. The overall fee structure includes such fees as
the asset management fee, expense ratio and ticket charges.
   •   Mutual funds normally offer multiple share classes, including lower-costshare classes that do not charge
       12b-1 fees and are therefore usually less expensive.
   •   Investment adviser representatives may or may not invest or hold client funds in 12b-1 fee paying share
       classes as appropriate to account for the overall fee structure and tax considerations of an account.

Depending on the anticipated trading volume, and the asset management fee that is determined based on
account size, complexity and time requirements, investment advisor representatives have a fiduciary
duty to determine the mutual fund share class that is in the best interest of each client as part of the overall
fee analysis. The overall fee structure includes such fees as:

   •   Asset Management Fee
   •   Expense ratio
   •   12b-1 fees
    • Trade Ticket Charges
Investment advisor representatives will consider investing client funds in 12b-1 fee paying share classes
even when a lower-cost share class is available as appropriate to account for the overall fee structure of
the account and client profile.

   •   A share class that pays 12b-1 fee usually does not have transaction charges.
   •   Not all investors will qualify for all share classes
   •   Not all mutual funds offer equivalent share classes.

       o 12b-1 fees are retained by LPL Financial, an unaffiliated member FINRA/SIPC broker/dealer.
       o LPL Financial does not share 12b-1 fees with RetireRight nor the investment advisor
         representatives in their independent capacity as registered representatives of LPL Financial.

Investment Management Services
Investment advisory fees are calculated by the custodian and deducted from the Client’s account[s] by the
Custodian. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the
total assets under management with the firm at the end of each quarter. Clients will be provided with a
statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. It is
the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage
statement as the Custodian does not assume this responsibility. Clients provide written authorization
permitting the firm to be paid directly from their account[s] held by the Custodian as part of the investment
advisory agreement and separate account forms provided by the Custodian.

Financial Planning Services
We charge on an hourly or flat fee basis for financial planning services. 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.

   •   Financial plans that are based on an hourly rate they generally range from $250 to $500 an hour
       based on the scope, level of complexity and level of expertise required.
   •   Financial plans that are based on a flat rate generally range from $500 to $5,000 based on the
       scope, complexity and level of expertise required.

Hourly Consulting Services
The firm charges an hourly fee of $250 to $500 to provide hourly consulting when a more comprehensive
financial plan is not requested.

Retirement Plan Consulting
The fee for Retirement Plan Consulting will generally not exceed 1% of plan assets under management.
The total estimated fee, as well as the ultimate fee that we charge you, is based on the scope and
complexity of the engagement. The fee-paying arrangement for Retirement Plan Consulting will be
outlined in a separate agreement.

Third-Party Advisory Services
The firm is paid by third-party money managers when we refer you to them and you decide to open a
managed account. Third-party money managers pay us a portion of the investment advisory fee that they
charge you for managing your account. Fees paid to us by third party money manager are generally
ongoing. All fees we receive from third party money managers and the written separate disclosures
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Item 7 – Types of Clients
The firm offers investment advisory services primarily to corporations, government entities, non-profit
organizations and individuals. The number of each type of Client is provided on Form ADV Part 1A. These
amounts change over time and are updated at least annually.