Sage Rutty & Co Inc

FEES AND COMPENSATION
Financial Planning Department Fees
   • Comprehensive Financial Plan $3,000.00
      •    Fixed Hourly Rate $250.00 - $500.00

Compensation
All of the program accounts described in this brochure are charged a fee on eligible assets (i.e., the total
value of securities, money market funds and cash) under management. To follow, you will find a list of the
programs we offer, and the fees associated with each. Your fees will include investment management, which
includes portfolio monitoring, reporting, clearance, and purchase and sales transaction costs. Fees will not
include things such as transaction fees (e.g., wires and transfers) or other charges (e.g., FedEx).
Commissions and other fees will be charged on assets held outside of your wrap account (see “C” below.)
Fees for accounts may be adjusted based on value or for multiple accounts.

                                        FundSource® CustomChoice® Program Fees
                                             Minimum FundSource® Account Size: $25,000
                                             (FundSource Foundation℠ $10,000 minimum)
                                                                                            Standard Fee
                                                                         Fee Schedule          2.00%

                                                        Asset Advisor Program Fees
          Asset Advisor accounts are charged an all-inclusive fee that covers advisory,
           execution, custodial, and reporting services. Billed quarterly in advance, the
             standard Asset Advisor fee schedule is based on program eligible assets:

                                                                 Account Asset Value        Standard Fee
                                                                          First $250,000       3.00%
                                                                         Next $750,000         2.50%
                                                                        Over $1,000,000        2.00%

                                                            COMPASS Program Fees
                                                         Minimum Account Size $150,000
                                                                                            Standard Fee
                                                                         Fee Schedule          2.24%

               Personalized Unified Managed Account “UMA” Program Fees
                                  Minimum Account Size $50,000 (Optimal Blends $250,000)
                                                                                            Standard Fee
                                                                         Fee Schedule          2.50%

                                                               Masters Program Fees
                                                         Minimum Account Size $100,000
                                                                                            Standard Fee
                                                                         Fee Schedule          2.50%

                                                  Allocation Advisors Program Fees
                                                 Minimum Account Size $25,000 - $50,000
                                                                                            Standard Fee
                                                                         Fee Schedule          2.25%

Sage Rutty & Co., Inc                                                                                IAD/CRD No.: 3254
Form ADV Part 2A: Firm Brochure                                                                      SEC File No.: 801-35917

                                                           Pathways Program Fees
                                                        Minimum Account Size $25,000
                                                                                             Standard Fee
                                                                         Fee Schedule             2.20%

                          Private Investment Management “PIM®” Program Fees
        PIM accounts are charged an all-inclusive fee that covers advisory, execution,
    custodial and reporting services. Billed quarterly in advance, the standard PIM fee
                                          schedule is based on program eligible assets:

                                                                Account Asset Value          Standard Fee
                                                                          First $250,000         3.00%
                                                                         Next $750,000           2.50%
                                                                        Over $1,000,000         Negotiable

                          SEI Investment Management Corp. (SEI) Program Fees
           SEI accounts are charged an all-inclusive fee on eligible assets that covers
      advisory, execution, custodial, and reporting services. Billed quarterly in arrears:

                                                                Account Asset Value          Annualized Fee
                                                                          First $999,999      2.00% - 1.00%
                                                                        Over $1,000,000         Negotiable

                                                              Schwab Program Fees
          Schwab accounts are charged a fee on eligible assets that covers advisory,
      execution, custodial, and reporting services. Advisory fee billing will be monthly
   calculated on the Average Daily Balance and may be charged either in advance or
                                                                                 arrears.
...

TYPES OF CLIENTS
We manage assets for the following types of clients: individuals, pension and profit-sharing plans, trusts and
estates, charitable organizations, and corporations. We do not have any special fees or requirements for our
accounts in addition to the fee schedule or minimum size noted above.

     METHODS OF ANAYSIS, INVESTMENT STRATEGIES AND RISK OF
                             LOSS
We may use various methods to assist us in managing your account, including long and short-term trading,
the use of margin and options.
We use several methods of analysis to help us manage your account. Charting will help us evaluate the
movement (i.e. trend lines) of your positions in bull (up) and bear (down) markets, along with support levels
and sector analysis, which are a part of the technical analysis of a particular stock. Although this assists us
with evaluating market risk and profitability it is not a definitive predictor of a stock’s value.
We may also use fundamental analysis, which is when we are looking at the financial and product strength of
a company and considering its competitors. We may also include as part of this analysis the position a
particular company has on a global economic scale. Both fundamental and technical analysis often includes
these fundamental factors. Fundamental will focus on the long(er) term behavior of stocks, while technical
will try to forecast shorter (less than 6 month) market trends.

Sage Rutty & Co., Inc                                                                                 IAD/CRD No.: 3254
Form ADV Part 2A: Firm Brochure                                                                       SEC File No.: 801-35917

Another method we use is cyclical analysis, which looks at the growth of a stock versus various events that
might affect the price of stock at a given point in time. This evaluates the growth cycle (i.e. life cycle of a
product or company) on a long, intermediate and short term.
If your objectives include frequent or short-term trading strategies it can affect your investment results, have
tax consequences and add to your overall cost of managing your portfolio.
Please note: the use of non-traditional exchange-traded funds (“NT-ETFs”) including leveraged or inverse
exchange-traded funds, which intend to deliver a multiple, the inverse, or a multiple of the inverse,
respectively, of the performance of an underlying index or benchmark for a specified period, usually a single
day, use a range of investment strategies, including swaps, futures contracts, and other derivative
instruments. Use of these strategies exposes shareholders to a number of risks including but not limited to:
short selling risk, derivatives risk, leverage risk, credit and counterparty risk. Buy-and-hold investors should
be aware that the performance of NT-ETFs over a period longer than one day can differ significantly from
their stated daily performance objectives and can potentially expose investors to significant and sudden
losses.
There is no one method or combination of methods of evaluating a stock that is fool proof. In spite of the best
analysis and strategies, a stock can move in the wrong direction, resulting in a loss of your investment.