Sterling Retirement Group of Sacramento Inc

5. FEES AND COMPENSATION
      A. FINANCIAL PLANNING SERVICES
Our Comprehensive Financial Planning fee ranges from $500 to $10,000. The fee depends on the
complexity of the client’s financial situation, the research required and the preparation of the plan.
The fee will be set forth in the Financial Planning Agreement with one half of the fee due upon
entering the Agreement. The remainder of the fee is due upon presentation of the financial plan.
For prepaid fees in excess of $500.00, services will be completed within six months of the date
fees are received.
Our Consulting Financial Planning fee is an hour rate of $400 per hour. The number of hours will
vary depending upon the complexity of the client’s financial situation, the areas to be addressed,
the research involved and the preparation of the financial plan. The estimated number of hours
required and the fee will be set forth in the Financial Planning Agreement with one half of the fee
due upon entering the Agreement. The remainder of the fee is due upon presentation of the
financial plan. For prepaid fees in excess of $500.00, services will be completed within six months
of the date fees are received.
A client may cancel the Financial Planning Agreement for any reason during the first five (5) days
from the date of signing the agreement and he/she will receive a refund of 100% of all fees paid.
To cancel the agreement, the client must notify us and return any materials received to that date.
Thereafter, the Agreement may be terminated at any time by giving ten (10) days written notice.
After five (5) days if a client cancels, any prepaid fees will be refunded on a prorated basis based
upon work completed.

PLEASE NOTE: When we provide financial planning services and the client implements the
financial plan through one of our representatives, the representative will receive compensation in
the form of a commission or fee. This creates a conflict of interest between the representative and
the client. Therefore, when providing financial planning services, we would like clients to note:
(a) a conflict exists between the representative’s interests and the interests of the client, (b) the
client is under no obligation to act upon the recommendation, and (c) if the client elects to act on
any of the recommendations, the client is under no obligation to effect the transaction through the
representative.
       B. BUSINESS CONSULTING SERVICES
Business consulting services are offered at a fixed or hourly fee rate as negotiated with the client.
Our fixed fee rate ranges from $1,000 to $50,000. The rate depends on the complexity of the
client’s business, the areas covered during the consultation, research and preparation time required.
The fee will be set forth in the Business Consulting Agreement. Payment plans will be negotiable
and vary from client to client. For prepaid fees in excess of $500.00, services will be completed
within six months of the date fees are received.
Our hourly rate for business consulting is $350 per hour. The number of hours will vary depending
upon the complexity of the client’s business, the area(s) to be addressed, research and the
preparation time required. The estimated number of hours required, and the fee will be set forth
in the Business Consulting Agreement. Payment plans will be negotiable and vary from client to
client. For prepaid fees in excess of $500.00, services will be completed within six months of the
date fees are received.
A client may cancel the Business Consulting Agreement for any reason during the first five (5)
business days from the date of signing the agreement and he/she will receive a refund of 100% of
all fees paid. To cancel the agreement, the client must notify us in writing and return any materials
received to that date. Thereafter, the Agreement may be terminated at any time by giving ten (10)
days written notice. After five (5) days if a client cancels, any prepaid fees will be refunded on a
prorated basis based upon work completed.
       C. PORTFOLIO MANAGEMENT SERVICES
Fees for portfolio management services will be a percentage of the assets under management that
the client pays on a quarterly basis. The quarterly fee will be calculated, accrued and due in
advance based upon the annualized rate between .30% and 1.50%.
The pro-rated first quarter’s management fee will be calculated on the Account’s initial value as
reported by its custodian. Thereafter, the periodic fee will be based upon the previous quarter end
Account as reported by the client's custodian. The fee will be directly withdrawn for the client’s
account. (Please see Item 15 for additional details on fee withdrawal procedures.) Cash balances
and investments in money market funds, demand deposit accounts, and certificates of deposit at
banks or brokerage firms are covered by the Account and are included in the fee calculations.
Fees will not be based upon a share of capital gains or capital appreciation of the funds or of any
portion of the funds under advisory contract. Fees for services to be performed will not be

collected six or more months in advance.
We may from time to time unilaterally amend our fees and billing arrangements. Any change will
only become effective after thirty (30) days prior written notice. The fees for these portfolios are
not based on the financial performance or capital gains or losses experienced by the Account.
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 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
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7. TYPES OF CLIENTS
We provide advice to individuals, corporations and other business entities. The advice to
individuals may be for a variety of account types including but not limited to individual, trust,
joint, individual retirement accounts, or other qualified accounts.

We do not require a minimum account size or place any other restriction related to opening or
maintaining an account.