The Retirement GUYS Formula LLC

Fees and Compensation - Item 5

 Fees Charged
 Financial Planning Fees
 Financial planning fees can be hourly, fixed fee basis, or included with asset management services. However, most
 typically, financial planning fees are $1,000 for the first year, and $500 for each successive year thereafter. If the
 client prefers to pay an hourly rate, the hourly rate is $350 per hour. The fees stated are intended as a guideline
 only. Fees may be higher or lower, based on the nature of the engagement. Fees are negotiable, and will depend
 on the anticipated complexity of your plan.

 Financial Planning fees, to the extent not included in asset management services, will be due upon invoice and,
 in the case of clients who have implemented their financial plan through the firm, may be debited directly from
 client accounts with prior permission from the client. Typically, one-half of the fee is due in advance upon
 execution of the Agreement, with the balance due upon invoice from RGF, which is sent at the conclusion of the
 following billing period. Prepayment of fees will not exceed $1,200, unless services are rendered within six (6)
 months of execution of the agreement.

 For stand-alone financial planning clients, part of the fee may be paid in advance. If you terminate our relationship
 before the completion of the financial plan, any unearned pre-paid fees will be returned to you on a pro rata
 basis. However, clients should note that in most financial planning engagements, a great deal of time is expended
 in the beginning of the engagement, during the information gathering stage and then the analysis stage, so a
 return of unearned fees will not be pro-rated according to days, but rather hours expended based upon advisor’s
 $350 hourly rate.

 Asset Management Fees
 Generally, Asset Management fees will range from 1.00% to 2.00% per annum. Still, fees outside this range may
 be negotiated, as the stated range is a general guide. Factors used to determine an asset management fee may
 include an account’s size, investment strategy, risk profile, and platform. Platform fees and expenses normally
 include performance reporting, securities transactions, and other custodial services. All clients, but especially
 those with smaller accounts, should be advised they may receive similar services from other professionals for
 higher or lower overall costs. Legacy client relationships established prior to 2017 are subject to a different fee
 schedule and their overall fees may be higher or lower than the fees listed in this section, because fees are charged
 based on the investment management strategy selected for the client and not the overall account value. Fees
 charged by sub advisers are in addition to our fees and are clearly listed in the advisory agreement signed with
 the sub adviser and/or the sub adviser’s Form ADV Part 2 Brochure.

 Asset Management fees will generally be debited directly from each client’s account. The advisory fee is paid
 quarterly, in advance, and the value used for the fee calculation is the net value as of the last market day of the
 previous quarter. By using the last day of the previous quarter for the upcoming quarter’s fees, RGF is not taking
 into consideration any upcoming deposits or withdrawals, unless the withdrawal is pursuant to a termination of
 the relationship, in which case a pro-rata refund will be issued. For accounts billed by sub advisers or TPAs, fees
 may be payable monthly in arrears, based on the average daily balance of the account.

 By way of example, if the annual fee is 1.25%, then each quarter we will multiply the value of your account by
 1.25% then divide by 4 to calculate our fee. Once the calculation is made, we will instruct your account custodian
 to deduct the fee from your account and remit it to RGF.

 Clients whose fees are directly debited will provide written authorization to debit advisory fees from their
 accounts held by a qualified custodian chosen by the client. Each quarter, clients will have access online in their
 client portal to a bill itemizing the fees to be debited, including the formula used to calculate the fee, the amount

Retirement Guys Formula LLC
Form ADV Part 2A Brochure

 of assets upon which the fee is based, and the time period covered by the fee. The invoice will also state that the
 fee was not independently calculated by the custodian. The client will also receive a statement from their account
 custodian showing all transactions in their account, including the fee. In some cases, the sub adviser used by our
 firm may act as paying agent and may deduct our fee along with the sub advisory fee and forward our portion of
 the fee to us.

 If you become a client during a quarter, you will pay a management fee for the number of days left in that quarter
 based on the assumption that you became a client on the date we were first able to be traded. If you terminate
 our relationship during a quarter, you will be entitled to a refund of any management fees for the remainder of
 the quarter based on the assumption that your termination is effective the date we receive your notice. We will
 not manage, trade, or arrange for distributions of your assets after the date of terminations. Any assets not
 transferred out within 90 days of termination will be “de-linked.” This means your account will no longer be
 visible to RGF staff, and will become a retail account with your custodian. Once your notice of termination is
 received, we will refund the unearned fees to you by check.

 Third Party Adviser (TPAs) Fees
 RGF will share in the fee paid to the TPA. The management fee is disclosed in the TPA's disclosure documents.
 These fees may or may not be negotiable. RGF's compensation may differ depending upon the firm’s individual
 agreement with each TPA. RGF or its investment adviser representatives have an incentive to recommend one
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Types of Clients - Item 7

 RGF generally provides advisory services to individuals, pension and profit-sharing plans, trusts, estates,
 charitable organizations, corporations and other business entities.

 RGF requires each account to have a minimum of $50,000. However, RGF may waive this minimum in its
 discretion.

                   Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 Methods of Analysis, Investment Strategies
 At the onset of the client relationship, Retirement Guys Formula will review a client’s portfolios, discuss the
 client’s investment objectives and risk tolerance as well as any potential investment restrictions, and plan a
 transition for the client’s assets from their current accounts to accounts managed by Retirement Guys Formula.
 This plan is derived from RGF’s Independent Income System, which is RGF’s overall approach in building out an
 approach for each client. The system calls for identifying different “buckets” of assets and investments with
 different timeframe requirements. The blending of these buckets into a total portfolio is the Independent Income
 System. What determines the size of each bucket is cash flow, risk tolerance (which includes client risk tolerance
 as well as time horizon), and cost. The Independent Income System is therefore not a strategy, but a philosophy
 that guides our investment allocations.

 Each group of assets within a portfolio is invested in one or more of Retirement Guys Formula’s asset allocation
 strategies (defined below) These strategies are developed utilizing outside research and investment ideas,
 combined with RGF’s views on both individual securities and the markets and economy as a whole. All client
 accounts in each strategy are managed on a pari passu basis. In other words, all accounts managed within each
 strategy are managed in a like manner, side by side with one another, and not individually considered.
 Accordingly, while a client may request limitations on Retirement Guys Formula’s discretionary authority, some
 requested limitations may not be possible to achieve within the given strategy. In this case, the client and the
 firm will mutually agree to either terminate the engagement, accept the asset allocations in the strategy, or have
 the client’s assets placed in another strategy.

 The asset allocation strategy in which the client’s assets are placed may change from time to time, dependent
 upon the client’s investment objectives and financial circumstances. RGF uses several strategy models to

Retirement Guys Formula LLC
Form ADV Part 2A Brochure

 determine which strategies are appropriate for a given client. For example, one model may be a mix of 2-3
 strategies at a given time. Clients should inform Retirement Guys Formula as soon as possible of changes in their
 circumstances that may affect the client’s risk tolerance or investment objectives, as these changes may trigger a
 change in how the firm manages the client’s assets.

 There are no limits to the types of securities that may be placed in a strategy, or that Retirement Guys Formula
 may evaluate for a client or for inclusion in a strategy. However, investment types most typically include stocks,
 bonds, exchange traded funds (ETFs), mutual funds and money market accounts.

 As assets are transitioned from a client’s prior advisers to Retirement Guys Formula, there may be securities and
 other investments that do not fit within the asset allocation strategy selected for the client. Accordingly, these
 investments will need to be sold in order to reposition the portfolio into the asset allocation strategy selected by
 Retirement Guys Formula. However, this transition process may take some time to accomplish. Some
 investments may not be unwound for a lengthy period of time for a variety of reasons that may include
 unwarranted low share prices, restrictions on trading, contractual restrictions on liquidity, or market-related
 liquidity concerns. In some cases, there may be securities or investments that are never able to be sold. In the
 event an investment in a client account is unable to be unwound for a period of time, Retirement Guys Formula
 will monitor the investment as part of its services to the client. Retirement Guys Formula may suggest that a
 given investment be moved to a separate account.

 In constructing each strategy, RGF utilizes a number of methods of analysis. These include:

 Charting: This method involves using and comparing various charts to predict long and short-term performance
 or market trends. The risk involved in solely using this method is that only past performance data is considered
 without using other methods to crosscheck data. Using charting analysis without other methods of analysis would
 be making the assumption that past performance will be indicative of future performance. This may not be the
 case.

 Fundamental: Fundamental analysis concentrates on factors that determine a company’s value and expected
 future earnings. This strategy would normally encourage equity purchases in stocks that are undervalued or priced
 below their perceived value. The risk assumed is that the market will fail to reach expectations of perceived value.

 Technical: The technical approach attempts to predict a future stock price or direction based on market trends.
 The assumption is that the market follows discernible patterns and if these patterns can be identified then a
 prediction can be made. The risk is that markets do not always follow patterns and relying solely on this method
 may not work long term.

 Cyclical: This method assumes that the markets react in cyclical patterns which, once identified, can be leveraged
 to provide performance. The risks with this strategy are two-fold: 1) the markets do not always repeat cyclical
 patterns and 2) If too many investors begin to implement this strategy, it changes the very cycles they are trying
 to take advantage of.
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