The Cost of My Advice My compensation for investment services is primarily derived from an annual fee based on the value of assets under management, excluding money markets accounts and the client's employer-sponsored retirement plan. The cost of periodic consultations is included in this fee. A comprehensive financial plan and retirement illustrations are also created for households with accounts totaling $100K at no extra fee. Our initial consultation -- our opportunity to assess whether we're a 'good match' -- is complimentary. We will always review the exact investment compensation schedule prior to any commitment on your part. Securities and advisory services offered through KMS Financial Services, Inc.