Secure Retirement Financial & Insurance Services Corp

ITEM 5 - FEES AND COMPENSATION
SRF Investment Management Fees

Fees are based on a percentage of assets under management, and in no case will fees exceed 2% of
assets under management. Additionally, fees are not collected more than six (6) months in advance of
the services for those fees.

Fees based on assets under management are as follows:

Market Value of Portfolio     Annual Fee
The balance of 0 - $1,000,000 1.00%
The balance over $1,000,001 0.75%

Generally, fees are payable quarterly, in advance. The initial fee for a new account will be based on the
opening account balance and will be pro-rated for the number of days in the quarter that the account is
under SRF’s management. Subsequent quarterly fees will be based on the account’s market value as of
the close of business on the last business day of the previous quarter for which the fee is due.
SRF’s fee range and billing terms for each particular service is subject to negotiation and could vary
depending upon various circumstances, including the scope of the services to be provided (e.g., fees and
fee ranges for existing clients may differ from those indicated). With client authorization, SRF will
instruct the custodian to withdraw our advisory fee from the client’s account. SRF will send an

SRF Brochure                                          6                                 May 27, 2025

informational copy of the invoice to the client concurrent with the instructions to the custodian showing
the amount of the fee due, the value of the account on which the fee is based, and how the fee was
calculated. All clients will receive brokerage statements from the custodian no less frequently than
quarterly. The custodian statement will show the deduction of the advisory fee.

SRF Referral Program

Clients that have been referred to SRF will pay a fee based on assets under management with a
maximum total fee of 2.00% for portfolios up to $1,000,000 and 1.50% for portfolios over $1,000,000.

The sample Referral Program Fee schedule below displays the maximum fees allowed and may not
include certain fees charged by the broker or custodian used. In that case, those fees will be disclosed
separately to the client.

The standard fee schedule for such services is as follows, but may be negotiable in individual cases.

                            SRF         RF/RF Rep*        Total*
AUM $0 - $1,000,000         .75         .25+1.00          2.00% (Maximum fee)
AUM over $1,000,000         .50         .25+0.75          1.50% (Maximum fee)

*RF/RF Rep= Referral Firm and Representative fees

Fees are billed quarterly from the client’s account(s) with Charles Schwab & Co.

Other Fees and Expenses

SRF’s fees do not include custodian fees. Clients pay all brokerage commissions, margin charges, and/or
other charges incurred in connection with transactions in accounts, from the assets in the account.
These charges are in addition to the fees the client pays to SRF. In addition, any mutual fund shares held
in a client’s account may be subject to deferred sales charges, 12b-1 fees, early redemption fees, and
other fund-related expenses. The fund’s prospectus fully describes the fees and expenses. All fees paid
to SRF for investment advisory services are separate and distinct from the fees and expenses charged by
mutual funds. Mutual funds pay advisory fees to their managers, which are indirectly charged to all
holders of the mutual fund shares.

Termination of Account

Within five (5) business days of executing the client agreement, the client may terminate the agreement
in writing without fee or penalty. Such termination may be verbal with written notice to follow within
the next twenty-four (24) hours. After the initial five (5) business days, clients may terminate the
agreement at any time in writing; and the client will be responsible for payment of fees for the number
of days services are provided by SRF prior to receipt of the written notice of termination. Fees will be
prorated to the date of termination and any paid but unearned portion will be refunded to the client.

SRF Brochure                                         7                               May 27, 2025

ITEM 7 - TYPES OF CLIENTS
SRF provides investment advisory and financial planning services to individuals, pensions and
profit sharing plans, trusts, estates, and charitable organizations (“clients”).

Requirement for Opening Accounts (Minimum Investment Amount)

SRF does not impose requirements for opening and/or maintaining an account, such as a
minimum account size or minimum fees and fee ranges. All initial investment amounts are
negotiable and accepted on an individual basis at SRF’s discretion.