Vision Retirement LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor.
Each Client engaging the Advisor for services described herein shall be required to enter into a written agreement with the
Advisor.

A. Fees for Services
The specific manner in which fees are charged by the firm is established in a client’s written agreement between the client
and Vision Retirement based the level of advice and planning the client needs. Advice fees under the Monthly
Subscription Service is a flat fee and Integrated Financial Planning service fees are charged as a percentage of net worth.
In addition to Advice and Planning fees Vision Retirement offer Fiduciary Investment Management Services which is
priced
on a percentage of assets under management. The Fiduciary Asset Management Service offer by Vision Retirement is
done so on discretionary basis. The firm’s annual investment advisory fee shall be based upon a percentage (%) of the
market value and type of assets placed under the firm’s management to be charged quarterly in advance, and Vision
Retirement representatives may at their discretion negotiate a fee in accordance with the above fee schedule.
Pricing & Other Considerations
Fiduciary Investment Management Services is a fixed percentage based on the amount of dollars invested with a
maximum of 1.25%.
Robo Investment Management is a fixed percentage of .75% based on the account value.

Client directed investment accounts include the fee for trades, most are $9 a trade.

Integrated Financial Planning Financial Planning is a one-time fee and is based on the complexity of a client’s situation.
The Fee for this service is calculated at .10% of a client’s net worth. There is a minimum fee of $2,500. Periodic updates
to the plan to address any life-changing events are discounted by 25%.

                                                          Memberships
                  Advice                                    Planning                                       VR 360
                   $895                                        $2,495                                      $3,995

Ticket Charges
Ticket charges are charged by the custodian per trade in an account. In most cases the asset management fee
covers the ticket charges. However in some circumstances and in client directed accounts the client may be
responsible for such charges. When clients do not pay a transaction charge for transactions, clients should be
aware that Vision pays the custodian the transaction charges on their behalf. The transaction charges paid by Vision
vary based on the type of transaction (e.g., mutual fund, equity or ETF) and for mutual funds based on if the mutual
fund pays 12b-1 fees and/or recordkeeping fees to LPL.

    •   Transaction charges for equities and ETFs are $0 to $9.
    •   For mutual funds, the transaction charges range from $0 to $26.50.

When Vision pays the transaction charges on behalf of a client, there is a conflict of interest based on an incentive to
avoid a cost rather than place a trade. This conflict is mitigated by an investment advisor’s fiduciary duty to act in
their client’s best interest and acting accordingly.

Mutual Fund Share Classes
The share class represents the amount a client will be charged for buying shares of a mutual fund, when the fee will
be paid and they determine the amount of annual fees to be paid.

    •   Class A or F1 Shares typically pay a 12b-1 fee for providing brokerage-related services to the mutual funds.
    •   Class I Shares (“institutional,” “investor,” “retail,” “service,” “administrative” or “platform”) are typically not subject
        to 12b-1 fees

B. Fee Billing
Advice
Advice Subscription Services are paid monthly through AdvicePay. Payment is due upon initial engagement and there is
a commitment period of 12 months. Each subscription is per household.

Integrated Financial Planning
Financial Planning is a one-time fee and is based on the complexity of your situation. Your investment for this service is
calculated at .10% of your net worth. For example, if you're net worth is $5 million, then your cost would be $5,000. There
is a minimum fee of $2,500. Periodic updates to your plan to address any life-changing events are discounted by 25% of
your original fee.

Fiduciary Investment Management
Investment advisory fees are calculated by the custodian and are payable quarterly in advance or subject to a custom billing
schedule. For example, [Quarter End Net Value x Advisory Fee] / 360 x 90 Days = Advance Billing. Clients will be provided
with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. In addition, the
Custodian will provide the Client a report itemizing the fee, including the calculation period covered by the fee, the account
value and the methodology used to calculate the fee. Clients provide written authorization permitting Vision to be paid
directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account
forms provided by the Custodian.

Hourly Consulting
The hourly consulting fee will be based on the type of services to be provided, experience and expertise, and the
sophistication and bargaining power of the client. The maximum hourly fee to be charged any client will not exceed $400
without extenuating circumstances and approval by the Chief Compliance Officer.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of the
Client’s account[s]. Vision includes securities transactions costs as part of its overall investment advisory fee through the
Vision Wrap Fee Program. Please see Item 4.D. above as well as Appendix 1 – Wrap Fee Program Brochure.

In addition, all fees paid to Vision for investment advisory services or part of the Vision Wrap Fee Program are separate
...

Item 7 – Types of Clients
The services offered by Vision Retirement are available for individuals, banks and thrift institutions, pension and profit-
sharing plans, including plans subject to Employee Retirement income Security Act of 1974 (“ERISA”), trusts, estates,
charitable organizations, state and municipal government entities, corporations and other business entities.