Titan Retirement Advisors LLC

Item 5 – Fees and Compensation

In addition to the information provided in Item 4 – Advisory Business, this section provides additional
details regarding our firm’s services along with descriptions of each service’s fees and compensation
arrangements. It should be noted that lower fees for comparable service may be available from other

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sources. The exact fees and other terms will be outlined in the agreement between you and Titan
Retirement Advisors.

Asset Management Services

Fees charged for our separate account asset management services are charged in arrears based on a
percentage of assets under management and are calculated based on the daily average balance of the
account over the billing period. Fees are prorated (based on the number of days service is provided
during the initial billing period) for your account opened at any time other than the beginning of the billing
period. If asset management services are commenced in the middle of the billing period, then the
prorated fee for that billing period will be billed in arrears at the end of that billing period.

The asset management services continue until terminated by either party (i.e., Titan Retirement Advisors
or you) by giving thirty (30) days written notice to the other party. When fees are billed in arrears, Titan
Retirement Advisors will prorate the final fee payment based on the number of days services are provided
during the final period. The amount of client assets on the termination date will be used to determine the
final fee payment.

Fees charged for our asset management services are negotiable based on the type of client, the
complexity of the client's situation, the composition of the client's account, the potential for additional
account deposits, the relationship of the client with the investment adviser representative, and the total
amount of assets under management for the client.

The annual fee for our individual client separate account asset management services will range between
0.50% and 2.00%. The actual fee that will be charged to a client account will be specified in the Client
Agreement which is required to be executed prior to the implementation of our investment advisory
services.

Titan Retirement Advisors believes that its annual fee is reasonable in relation to: (1) services provided
and (2) the fees charged by other investment advisers offering similar services/programs. However, our
annual investment advisory fee may be higher than that charged by other investment advisers offering
similar services/programs. In addition to our compensation, you may also incur charges imposed at the
mutual fund level (e.g., advisory fees and other fund expenses).

You can choose how to pay your investment advisory fees. The investment advisory fees can be
deducted from your account and paid directly to our firm by the qualified custodian(s) of your account or
you can pay our firm upon receipt of a billing notice sent directly to you.

If you choose to have the investment advisory fees deducted from your account, you must authorize the
qualified custodian(s) of your account to deduct fees from your account and pay such fees directly to
Titan Retirement Advisors. Our firm will send you a billing statement prior to the time that fee deduction
instruction is sent to the qualified custodian(s) of your account. The billing statement will detail the
formula used to calculate the fee, the assets under management and the time period covered.

You should review your account statements received from the qualified custodian(s) and verify that
appropriate investment advisory fees are being deducted. The qualified custodian(s) will not verify the
accuracy of the investment advisory fees deducted.

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If you choose to pay the fees after receiving a statement, fees are due upon your receipt of a billing notice
sent directly to you. The billing notice will detail the formula used to calculate the fee, the assets under
management and the time period covered. Fees for the services of our firm will be due immediately after
your receipt of the billing notice.

Brokerage commissions and/or transaction ticket fees charged by the qualified custodian are billed
directly to you by the qualified custodian. Titan Retirement Advisors does not receive any portion of such
commissions or fees from you or the qualified custodian. In addition, you may incur certain charges
imposed by third parties other than Titan Retirement Advisors in connection with investments made
through your account including, but not limited to, mutual fund sales loads, 12(b)-1 fees and surrender
charges, variable annuity fees and surrender charges, IRA and qualified retirement plan fees, and
charges imposed by the qualified custodian(s) of your account. Management fees charged by Titan
Retirement Advisors are separate and distinct from the fees and expenses charged by investment
company securities that may be recommended to you. A description of these fees and expenses are
available in each investment company security’s prospectus.

Retirement Plan Services

For retirement plan sponsor clients, Titan Retirement Advisors will charge a fixed annual fee, an hourly
fee or an annual fee that is calculated as a percentage of the value of plan assets. This fee is negotiable
based upon the complexity of the plan, the size of the plan assets, the actual services requested and the
potential for additional deposits.

If Titan Retirement Advisors charges an annual fee based upon the value of the plan assets for our
Retirement Plan Services, we charge an annual fee of between 0.05% to 1.00%. The actual fee that will
be charged to retirement plan will be specified in the Client Agreement which is required to be executed
...

Item 7 – Types of Clients

Titan Retirement Advisors currently serves 250-300 advisory clients at the time of this filing.

The firm generally provides investment advice to the following types of clients:

    •   Individuals
    •   High net worth individuals
    •   Pension and profit sharing plans

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    •   Companies
    •   Trusts
    •   401K/403(B)/501(c)(3)
    •   RIAs

You will be required to execute a written agreement with Titan Retirement Advisors specifying the
particular advisory services in order to establish a client arrangement with Titan Retirement Advisors.

Minimum Investment Amounts Required

There are no minimum investment amounts required for establishing an account managed by Titan
Retirement Advisors. However, there is typically a minimum $10,000 annual fee that has been
established for retirement plan relationships that are billed on a fixed fee basis and for 3(38) fiduciary
services, there is typically a minimum $1,000 fee. All clients are required to execute an agreement for
services in order to establish a client arrangement with Titan Retirement Advisors and/or the third-party
money manager or the sponsor of third-party money manager platforms.