Advice & Planning Services LLC

Item 5: Fees and Compensation

A. Fee Schedule

Asset-Based Fees for Portfolio Management

        Total Assets Under Management          Annual Fee
        $100,000 - $250,000                    1.05%

        $250,001 - $500,000                    0.95%

        $500,001 - $1,000,000                  0.85%

        $1,000,001 - $2,000,000                0.75%

        $2,000,001 – And Up                    0.65%

There is an account minimum of $100,000 for Portfolio Management, which may be
waived by APS in its discretion. The final fee schedule is attached as Exhibit II of the
Investment Advisory Contract. Clients may terminate the agreement without penalty for
a full refund of APS's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract generally
with 30 days' written notice.

APS uses the value of the account as of the last business day of the prior billing period,
after taking into account deposits and withdrawals, for purposes of determining the
market value of the assets upon which the advisory fee is based.

Financial Planning Fees

The fixed rate for creating client financial plans is between $1,500 and $5,000. Clients may
terminate the agreement without penalty for a full refund of APS's fees within five
business days of signing the Financial Planning Agreement. Thereafter, clients may
terminate the Financial Planning Agreement generally upon written notice.

B. Payment of Fees

Payment of Asset-Based Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis or may be invoiced and billed
directly to the client on a quarterly basis. Clients may select the method in which they are
billed. Fees are paid in advance.

For fees deducted directly from client accounts, in states that require it, APS will:

        (A) Possess written authorization from the client to deduct advisory fees from
       an account held by a qualified custodian.

        (B) Send the qualified custodian written notice of the amount of the fee to be
       deducted from the client’s account and verify that the qualified custodian sends
       invoices to the client.

        (C) Send the client a written invoice itemizing the fee upon or prior to fee
       deduction, including the formula used to calculate the fee, the time period covered
       by the fee and the amount of assets under management on which the fee was base

Payment of Financial Planning Fees

Financial planning fees are paid via check. Fixed financial planning fees are paid 50% in
advance, but never more than six months in advance, with the remainder due upon
presentation of the plan.

C. Client Responsibility for Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by APS. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

APS collects fees in advance. Refunds for fees paid in advance will be returned within
fourteen days to the client via check or return deposit back into the client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
the fees collected in advance minus the daily rate* times the number of days elapsed in
the billing period up to and including the day of termination. (*The daily rate is calculated
by dividing the annual asset-based fee rate by 365.)

Fixed fees that are collected in advance will be refunded based on the prorated amount of
work completed at the point of termination.

       E. Outside Compensation for the Sale of Securities to Clients

       Ryan Naugle in his outside business activities (see Item 10 below) is licensed to accept
       compensation for the sale of investment products to APS clients.

          This presents a conflict of interest and gives the supervised person an incentive to
           recommend products based on the compensation received rather than on the client’s
           needs. When recommending the sale of securities or investment products for which
           the supervised persons receives compensation, APS will document the conflict of
           interest in the client file and inform the client of the conflict of interest.

          Clients always have the right to decide whether to purchase APS-recommended
           products and, if purchasing, have the right to purchase those products through other
           brokers or agents that are not affiliated with APS.

          Commissions are not APS’s primary source of compensation for advisory services.

          Advisory fees that are charged to clients are not reduced to offset the commissions or
           markups on securities or investment products recommended to clients.

Item 7: Types of Clients

APS generally provides advisory services to the following types of clients:

           ❖ Individuals
           ❖ High-Net-Worth Individuals

There is an account minimum of $100,000 for Portfolio Management, which may be waived by
APS in its discretion.