Fee Schedule

RDFA offers ongoing NextGen Accumulator and Wealth Management services on a Fee-Only basis. This management fee is generally based upon your overall liquid net worth, not simply the assets that we are managing. This is done so that we can avoid the conflict of requiring all assets to reside with us in order to advise on them. Your specific circumstances will allow us to determine the “band” in which your situation falls, and then apply the appropriate corresponding fee. The Comprehensive Wealth Management fee schedule is as follows:

Fee Band

Liquid Net Worth

Annual Fee

Monthly Fee

* 1 *

Less than $300,000

$3,000/year

* $250/month *

* 2 *

$300,000 to $450,000

$4,500/year

* $375/month *

* 3 *

$450,000 to $600,000

$6,000/year

* $500/month *

4

$600,000 to $800,000

$7,500/year

$625/month

5

$800,000 to $1,000,000

$9,000/year

$750/month

6

$1,000,000 to $1,200,000

$10,500/year

$875/month

7

$1,200,000 to $1,600,000

$12,000/year

$1,000/month

8

$1,600,000 to $2,000,000

$15,000/year

$1,250/month

9

$2,000,000 to $2,500,000

$18,000/year

$1,500/month

10

$2,500,000 to $3,000,000

$21,000/year

$1,750/month

11

$3,000,000 to $3,500,000

$24,000/year

$2,000/month

12

$3,500,000 to $4,250,000

$27,000/year

$2,250/month

13

$4,250,000 to $5,000,000

$30,000/year

$2,500/month

14

$5,000,000 to $6,000,000

$33,000/year

$2,750/month

15

$6,000,000 to $7,000,000

$36,000/year

$3,000/month

 

Over $7,000,000

Negotiable

 

* Generally speaking, these fee bands are only available to our NextGen Accumulator clients.*

Consideration will be given to items such as concentrated stock positions, retirement plan options with limited flexibility, investment real estate, and other assets when determining the appropriate fee band. This may decrease or increase the appropriate fee band depending on either the constraints or the added responsibility that we might have. One common situation that may arise is a fee reduction based upon concentrated stock positions for which diversification will occur over a period of years.

The agreed upon fee band is set at the beginning of an engagement with a client by signing of the Client Engagement Agreement. It is then reviewed at the end of each calendar year. At that time our responsibilities will be reevaluated to determine whether that band is still appropriate. If no change is required, the agreement will be deemed to extend for an additional 12 months. If a change is warranted, this will be communicated to the client in writing and this new fee will apply for the next 12 months.

Our fee is calculated and charged on a monthly basis in advance. The monthly fee will be collected during the first ten business days of the new month and is payment for that calendar month’s services.

Disclaimer

RDFA is an Ohio corporation registered as an Investment Adviser with the Securities and Exchange Commission, located in Washington, D.C. Information regarding RDFA and its filing with the Securities and Exchange Commission can be viewed through the Investment Adviser Public Disclosure website, located at:

http://www.adviserinfo.sec.gov/IAPD/Content/Search/iapd_OrgSearch.aspx

John K. Ritter, Jeffrey E. Daniher, Gregory T. Busch, Ronda L. Koehler and Michele R. Daniher are Registered Financial Advisors with NAPFA, the National Association of Personal Financial Advisors. As such, they adhere to NAPFA's strict guidelines regarding full disclosure and acting in the best interest of the client at all times. They are also Certified Financial Planner Licensees, and are therefore entitled to use the CFP mark and logo.