The Retirement Planning Company of New England Inc

Item 5 Fees and Compensation
Advisory Services
The scope of work and fee for an Advisory Service Agreement is provided to the client in writing prior
to the start of the relationship.

The annual Advisory Service Agreement fee is based on a percentage of the investable assets.
Currently, there are several sliding fee scales employed by the Firm. An example of a fee schedule is
provided below:

    1.25% on the first $250,000;
    1.00% on the next $250,000;
    0.90% on the next $500,000;
    0.75% on the next $500,000;
    0.60% on the next $1,000,000
    In excess of $2,500,000 fee is Negotiable

The representative that you are working with will be able to provide you the fee schedule that they are
utilizing and the exact fee will be specified in your investment advisory contract.

Our annual portfolio management fee is billed and payable quarterly in arrears, based on the value of
the account on the last day of the calendar quarter.

If the portfolio management agreement is executed at any time other than the first day of a calendar
quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the quarter for which you are a client. Our advisory fee is
negotiable, depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

You may terminate the portfolio management agreement upon notice to our firm.

You will incur a pro rata charge for services rendered prior to the termination of the portfolio
management agreement, which means you will incur advisory fees only in proportion to the number of
days in the quarter for which you are a client. If you have pre-paid advisory fees that we have not yet
earned, you will receive a prorated refund of those fees.

The Firm reserves the right to employ a minimum fee, which would be fully disclosed and discussed
with the client and in writing. The Firm, in its sole discretion, may waive its minimum fee and/or charge
a lesser or higher investment advisory fee based upon certain criteria (e.g., historical relationship, type
of assets, anticipated future earning capacity, anticipated future additional assets, dollar amounts of
assets to be managed, related accounts, account composition, negotiations with clients, etc.). Current
client relationships exist where the fees are higher or lower than the fee schedule above.

Although the Advisory Service Agreement is an ongoing agreement and constant adjustments are
required, the length of service to the client is at the client's discretion. The client or the investment
manager may terminate an Agreement by written notice to the other party. At termination, fees will be
billed on a pro rata basis for the portion of the quarter completed or if the account is billed in advance,
fees will be returned to client on a pro rata basis.

Fee Billing
Advisory service fees are billed quarterly, in ARREARS, meaning that we invoice you AFTER the
three-month or month billing period has ENDED. Payment in full is expected upon invoice
presentation. Fees are usually deducted from a client account to facilitate billing. The client must
consent in advance to direct debiting of their investment account.

Other Fees
Fund companies charge each fund shareholder an investment management fee that is disclosed in the
fund prospectus. Custodians may charge transaction fees on purchases or sales of certain mutual
funds and exchange-traded funds. Additionally, custodians my charge fees for services other than
investment related, i.e., overnight mail, wires, debit cards, checking, account setup fees, account
termination fees, etc.

The firm does not share or receive any of the aforementioned fees nor any of the fees/commissions as
a result of any equity purchases or sales executed through Charles Schwab. However, the Firm utilizes
outside bond securities dealers to supplement the bond departments of our current custodians
resulting in additional compensation for Firm representatives (see disclosure under Item 10).

The Firm may also furnish advice to clients on financial planning matters, taxation issues, and trust
services that often include estate planning. These services are provided on fixed or hourly fee basis.

Expense Ratios
Mutual funds generally charge a management fee for their services as investment managers. The
management fee is called an expense ratio. For example, an expense ratio of 0.50 means that the
mutual fund company charges 0.5% for their services. These fees are in addition to the fees paid by
client to the Firm.

Performance figures quoted by mutual fund companies in various publications are after their fees have
been deducted.

Past Due Accounts and Termination of Agreement
The Firm reserves the right to stop work on any account that is more than a 30 days overdue. In
addition, the Firm reserves the right to terminate any financial planning engagement where a client has
willfully concealed or has refused to provide pertinent information about financial situations when
necessary and appropriate, in the Firm's judgment, to providing proper financial advice. Any unused
portion of fees collected in advance will be refunded within 30 days.

Compensation for the Sale of Securities or Other Investment Products

Certain advisory representatives with our Firm are registered representatives with ISC Group, Inc.
(ISC), a securities broker-dealer, and a member of the Financial Industry Regulatory Authority and the
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Item 7 Types of Clients
Description
The Firm generally provides investment advice to individuals, banks or thrift institutions, investment
companies, pension and profit sharing plans, trusts, estates, nonprofit and charitable organizations,
corporations or business entities.

Client relationships vary in scope and length of service.

Account Minimums
The minimum account size is $500,000 of assets under management, which equates to an annual fee
of $5,625 based on the aforementioned fee schedule.

The Firm has the discretion to waive the account minimum. Other exceptions will apply to employees
of the Firm and their relatives, or relatives of existing clients.