Rezny Wealth Management Inc

Item 5 Fees and Compensation
The client engages Rezny Wealth Management to provide discretionary investment advisory/money
management services on a Fee-Only basis.

Our annual investment advisory fee shall be based upon a percentage (%) of the market value of
assets placed under RWM's management as follows:

The annualized fee for Investment Advisory Account Services are as follows:

Stock, Bond, ETFs combination asset Accounts:
Assets Under Management             Annualized Fee*
First $500,000                         1.50%
Next $500,000 & over                   1.00%

Annuity Sub-Accounts:
Assets Under Management                   Annualized Fee*
First $500,000                               1.50%
Next $500,000 & over                         1.00%

The annual fee for Investment Advisory Services is billed quarterly in advance based on the market
value of the assets on the last day of the previous quarter. The total portfolio value will be determined
using the value of cash plus securities priced as of the last business day of the previous quarter. Fees
will be assessed pro rata in the event the investment advisory services agreement is executed at any
time other than the first day of the billing period.

We require a minimum of $2,000,000 to open and maintain an Investment Advisory account, except as
noted on item 7 below.

RWM, in its discretion may charge a lesser investment advisory fee. This is at the sole discretion of
RWM.

*Break Points on advisory fees for the accounts at Jefferson National and Nationwide will not be
combined for break points on other Investment Advisory Accounts.
*Investment Advisory Accounts are managed separately from sub-accounts in Variable Annuities.

Billing Practices
Payment of Investment Advisory fees will be made by the qualified custodian holding your funds and
securities, provided that you grant written authorization permitting the fees to be paid directly from your
account. We will not have access to your funds for payment of fees without your consent in writing.
Further, the qualified custodian agrees to deliver an account statement, at least quarterly, directly to
you showing all disbursements from your account. We encourage you to reconcile our invoices with
the statement(s) you receive from the qualified custodian. If you find any inconsistent information
between our invoice and the statement(s) you receive from the qualified custodian, please call our
main office number located on the cover page of this brochure.

Our firm will have electronic access to account statements, or it will receive duplicate copies of
statements delivered to you.

Please refer to the "Advisory Business" section in this Brochure for information on our advisory fees,
fee deduction arrangements, and refund policy according to each service we offer.

Additional Fees and Expenses
As part of our Investment Advisory Services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. The fees that you pay to our firm for investment advisory
services are separate and distinct from the fees and expenses charged by mutual funds or exchange
traded funds (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You will also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not

share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
custodian. To fully understand the total cost you will incur, you should review all the fees charged by
mutual funds, exchange traded funds, our firm, and others. For information on our brokerage practices,
please refer to the "Brokerage Practices" section of this Brochure.

Rezny Wealth Management, Inc. does not receive or share in any commission-based compensation or
12b(1) fees. Rezny Wealth Management, Inc. and our associated persons' only compensation is the
investment advisory fees paid by Client. Rezny Wealth Management is Fee-Only.

Cancellation or Termination of Advisory Agreement
The Investment Advisory Agreement between RWM and client will continue in effect until terminated by
either party by written notice in accordance with the terms of the Investment Advisory Agreement.
Upon written notice of termination by either party, RWM shall refund the pro-rated portion of the
advanced advisory fee paid, based on number of days remaining in billing quarter. New clients also
have five "5" business days after executing the Investment Advisory Agreement to terminate RWM
services without penalty.

Other Compensation
Neither Rezny Wealth Management, nor its employees or advisors accept or receive
compensation/commissions from the sale of securities, annuities or other financial products. Rezny
Wealth Management is Fee-Only.

Additional Information
Trade Error Policy
 On infrequent occasions, a trade error may be made in your account. If Rezny Wealth Management
makes an error when submitting a trade order on a client's behalf, it is RWM policy that the error be
corrected as soon as possible and in such a manner that the affected client is not disadvantaged and
bears no loss. Immediately upon recognition of an error, we will contact the broker-dealer (i.e.,
Schwab), to initiate any correcting action necessary to rectify the error. For this purpose, our firm
maintains an "error account" with Schwab. If a trade error results in a profit, it remains in the error
account of the executing broker/dealer or account custodian and will not be allocated to your account.

Item 7 Types of Clients
We offer Investment Advisory Services to individuals, pension and profit-sharing plans.

We require a minimum of $2,000,000 to open and maintain an Investment Advisory
Agreement/Services. At our discretion, we may waive or adjust this minimum asset size.