2. COMPENSATION & MOTIVATION FEE BASED 1.A disclosed bargain fee for a financial plan, and/or a percentage of assets managed; AND, 2.Not disclosed product commissions that are several times larger than the disclosed fees. NOT R.O.I. is NOT compensated on this basis!!!!

3. FEE RETAINER RELATIONSHIP – 100% Disclosed THE FEE Percentage of managed assets Paid MORE if managed assets grow Paid LESS if they decline Family Managed, Office In The Home model Competitive Initial Fee Percentage Rapidly Declining Fee Schedule COMPENSATION & MOTIVATION (Continued)

4. 1.25% of first $250,000 of managed assets 1.00% of next $250,000 of managed assets 0.75% of next $250,000 of managed assets 0.50% of next $250,000 of managed assets 0.25% of many assets in excess of $1 mill For example, a client with a $1,250,000 portfolio would pay, per year: COMPENSATION & MOTIVATION (Continued) = $3,125, plus = $2,500, plus = $1,875, plus = $1,250, plus = $ 625 = $9,375/year, or 0.75% of $1,250,000.

5. SAMPLE FEE BASED ADVISOR Disclosed bargain $500 fee for the Financial Plan AND, Not Disclosed 4%-8% Commission ($50,000 to $100,000!!!!) R.O.I. = 5-10 YRs of Continuous Satisfactory Service COMPENSATION & MOTIVATION (Continued) THE BIG QUESTION: After receiving the undisclosed, up front $50k-$100k commission, is the Fee Based advisor motivated to care for the client for 5-10 years, or to sell another annuity to someone else and make another huge undisclosed commission?

6. Who is paying your advisor to do what? Are you paying your advisor for what you want done you want done? OR Is someone else using your $ to pay your advisor selltheirproducts to sell their products? ROI: 1-801-785-3254, www.roionweb.com

7. POSSIBLE CONFLICT OF INTEREST: Because R.O.I. is paid ONLY on a percentage of managed assets, a conflict could arise relative to R.O.I.s advice about a clients use of or allocation of manageable assets (but see the NAPFA Oath and Values button in the left hand column). COMPENSATION & MOTIVATION (Continued)