Arbor Financial Planning LLC

Item 5 – Fees and Compensation
Fees
Fees are calculated on a number of factors, primarily: income, net worth and the complexity of the client’s
situation. Fees are calculated annually and payable monthly orquarterly, in advance, or as otherwise
agreed to. Fees are typically paid by check, credit card, or deducted quarterly from a qualifying brokerage
account.

Client Services Agreement - $3,000 - $60,000
Add-ons, credits, and miscellaneous adjustments: A separate charge is assessed for each amended tax return
prepared, and any additional tax return prepared for dependents of a client, unless waived. Credits and
miscellaneous adjustments are applied, as deemed appropriate, based on the discretion of AF’s
management after discussion with the client.

Fee Billing
The specific manner in which fees are billed and collected by Arbor Financial Planning, LLC is
established in the written agreement between the client and AF. For convenience, clients may choose
from multiple payment cycles.

Past Due Accounts and Termination of Agreement
AF reserves the right to stop work on any account that is more than 30 days overdue. Inaddition, AF
reserves the right to terminate any engagement where, in AF’s judgement, aclient has willfully concealed

or has refused to provide pertinent information about financial situations when necessary and
appropriate.

AF is a fee-only financial advisory firm and does not sell investment or insurance products. All fees are
generally non-negotiable and are paid as described above, directly by the client. AF does not receive
other compensation. Either the client or AF may terminate an engagement at any time, without penalty,
upon written notice. Upon termination of any agreement, any prepaid, unearned fees will be promptly
refunded, andany earned, unpaid fees will be due and payable.

Other fees
Clients may incur certain charges imposed by custodians, brokers, third party investmentand other third
parties such as fees charged by managers, custodial fees, deferred sales charges, odd-lot differentials,
transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and
securities transactions. Mutual funds andexchange traded funds also charge internal management fees,
which are disclosed in a fund’s prospectus. Such charges, fees and commissions are exclusive of and in
additionto AF’s fee, and AF does not receive any portion of these commissions, fees, and costs.

Item 7 – Types of Clients

Arbor Financial Planning, LLC provides holistic financial planning services primarily to individuals and
families. We enjoy working with people from all different walks of life. As such, we maintain no
minimum net-worth or asset requirements. As discussed above,the relationship agreement and fee will
be based on the client’s individual circumstances.