RM Investment Strategies LLC

5. FEES AND COMPENSATION
Portfolio Management Services
Fees for portfolio management services will be based on the assets under management. The
maximum annual fee is 1.65%. The fee is negotiable, and the client contract will reflect the
negotiated fee. A client may aggregate multiple accounts to negotiate a lower fee. Cash balances
and investments in money market funds, demand deposit accounts, and certificates of deposit in

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the account are included in the fee calculations.
The management fees will be paid monthly, in advance, based on the account value as of the last
business day of the prior month. The monthly statement will reflect the management fees
withdrawn. The client will be asked to authorize us with the ability to withdraw our fee from the
client’s account. The client may terminate this authorization at any time by giving us and the
custodian notice.
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and
expenses that are incurred by the client. Clients may incur certain charges imposed by custodians,
brokers, third-party investment advisers or other third parties such as fees charged by managers,
custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and
electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions.
Mutual funds and exchange-traded funds also charge internal management fees, which are
disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in
addition to our fees and we do not receive any portion of these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker/dealers
for client transactions and determining the reasonableness of their compensation (e.g.,
commissions).
A client may terminate this service for any reason within the first five (5) business days after
signing the contract without any cost or penalty. Thereafter, the contract may be terminated at any
time by giving ten (10) days written notice to us at RM Investment Strategies, LLC, 4981 Cascade
Road Suite C, Grand Rapids, MI 49546. To receive a prorated refund of unearned fees, the client
must send us a written request. Upon written notice of termination, the client will receive a prorated
refund based on the amount of time elapsed during the month for any fees paid in advance. For
example, if a client cancels 15 days into a 30-day month, the client will receive a refund of 50%
of the fees. (15 days divided by 30 days equal 50 percent). Please note the prorated refund may
be adjusted for additional deposits and withdrawals to the advisory account within the termination
month. If permitted by the client’s custodian the refund will be deposited into the client’s account;
otherwise, the refund will be paid to the client by company check directly to the client within 30
days of the termination notice receipt. Please note that the client will not receive a prorated refund
without providing a written request.

Selection of Third-Party Investment Advisers
When we are a promoter of the recommended Third-Party Adviser, we do not charge a separate
fee for the service. Instead, we enter into an agreement with the selected Third-Party Adviser and
share in a portion of the Third-Party Adviser’s management fee that is charged to the client. The
exact amount will be disclosed in the Third-Party Adviser’s Promoter Disclosure Document.
Additionally, when the management fee is withdrawn (quarterly or monthly, in advance or in
arrears) will vary with each Third-Party Adviser. These details will be disclosed in the Third-
Party Adviser’s ADV Part 2A and the Third-Party Adviser’s Promoter Disclosure Document; both
documents will be given to the client upon solicitation.
As established in Item 10.D – Other Industry Affiliations, by receiving a portion of the Third-Party

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Advisor’s management fee, this creates a conflict of interest for the Adviser. The sharing of the
management fees creates a financial incentive to recommend Third Party Advisers that would pay
us a higher percentage of their fee. We attempt to mitigate the conflict of interest to best of our
ability by placing the client’s interest ahead of our own, through our fiduciary duty and by
following our Code of Ethics that establishes ideals for ethical conduct.
The fee paid to the Third-Party Adviser (which we share in) is separate and distinct from any
brokerage and custodian fees or expenses. These fees and expenses may include transaction fees,
or other related costs and expenses. Additionally, clients may incur certain charges imposed by
custodians, brokers, third party investment and other third parties such as fees charged by
managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer
and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual funds and exchange traded funds also charge internal management fees, as
disclosed in a fund’s prospectus, which are separate and distinct from the Third-Party Adviser’s
fee.

Synthetic FI Loans
If we determine to utilize the services of SyntheticFi for any client, the client will be charged a
maximum Annual Management fee of 1.00% of the loan amount. The fee is negotiable, and the
client contract will reflect the negotiated fee which is calculated by the illustration below:
For example, if SyntheticFi manages a client’s $100,000 portfolio and trades a box spread as a
synthetic loan on January 1, 2026, that expires on December 31, 2026, with loan size (value-at
expiration) of $50,000, where the negotiated monthly fee is 0.50% the monthly management fee
...

7. TYPES OF CLIENTS
Our services are offered to individuals, trusts, estates, corporations and other businesses entities.
We do not require a minimum account size to become a client.