IRA Fee Schedule and Disclosure

1 An ICO is a limited liability company or LLC which is integrated with your IRA. The ICO directly holds your IRA funds and assets.

As the LLC’s manager, you have possession and checkbook control over the IRA funds. You directly put money into and manage your own investments. This tool is often used for real estate and other non-traditional investments, but any legal IRA investment can be made with an ICO.

Note that there are free annual fees for maintaining certain account balances (footnote ³ below), and discounted fees for small accounts, or for multiple accounts which are set up at the same time (see topics below the footnotes).

2 All-In-One Annual Fee. The All-In-One annual service fee covers all types of IRAs: traditional, Roth, self-directed, etc. This fee includes up to 2 free transactions over the life of the IRA, for the following types: Transfer funds within IRA, miscellaneous distribution/withdrawals, miscellaneous transactions (see footnote 4 below), wire transfers out, cashiers check (except for any bank fees), AND up to 12 contributions or wire transfers into the IRA per year. Retirement payment streams (distributions) can be free of transaction fees (see footnote 5 below). The All-In-One fee also includes the initial transactions to integrate an IRA account with an IRA-LLC or ICO. The annual service fee is charged when a new IRA is ordered, and each year thereafter during the month in which the IRA was created (except for free accounts, see footnote 6 below). Unlike most custodians, uDirect does not add on annual service fees which are a percentage of your account.

3 Free Accounts, Default Fund For Your Cash. By default, generally all cash initially received in your account is placed into uDirect’s Portfolio Option 1 Quick Access Fund. (This Fund pays interest on your money which generally is significantly better than bank and mutual fund money market funds, though it can take from three to seven days to access money in this Fund.) uDirect charges no annual fees on accounts which maintain a minimum average balance in this Fund of $25,000 or more for the entire preceding year. You still pay the initial set up fee and first year’s account fee with a new uDirect IRA, but thereafter on each one year anniversary of your account creation date, the annual account fee is waived if the account maintained the $25,000 minimum average balance for the past year. Also, like the All-In-One annual fee (see footnote 2 above), you get 2 free transactions over the life of the IRA with a free account.

4 Stretch IRA Plan. This option is a custom IRA plan. Instead of immediate and full taxation after your death, the plan allows the remainder of your IRA to be spread out and tax deferred over the whole lifetime of your heirs, typically including a spouse if you are married, plus your children.

5 Miscellaneous Transaction Fees. Two of these over the life of the IRA are free (see footnote 2 above). These include special document review or signing, correcting investment instructions, titling or other problems that are not the fault of uDirect.

6 Distributions or Retirement Stream Payments. Only required if uDirect issues the checks. However, there are no fees for regular retirement checks when your retirement funds are held in an uDirect optional investment, and there are no additional fees for distributions which can be automated through another investment institution.

7 Rush Fees. The rush fee is added to any other fees which may be incurred for the rushed transaction.