Atwood Financial Planning LLC

Item 5 – Fees and Compensation

A.     Fee Schedule
1. FINANCIAL PLANNING AND CONSULTING
Atwood charges an hourly, ongoing, and/or fixed fee for financial planning and consulting. Prior to
the planning process the Client will be provided an estimated plan fee that will be based on the
complexity of the engagement. Cancellations or rescheduling must be made at least two (2)
business days prior to the scheduled meeting. Changes made with less notice will incur a fee
equivalent to half an hour at the standard hourly rate. Atwood will charge by the quarter hour where
applicable.

       HOURLY FEES
       Hourly Fee Services differ based upon whether the client is a new or existing client and
       which IAR of Atwood provides the services. A summary for hourly rates is below:

       Lori Atwood New Client: $330/hour
       Lori Atwood Existing Client: $310/hour
       Katie Van Wyngarden Tax, Retirement Planning and Roth Conversion all clients: $310/hour
       with one hour billed for prep work.
       All Other IARs New Client: $280/hour
       All Other IARs Existing Client: $240/hour

2. NON-DISCRETIONARY ASSET MANAGEMENT (“Premium Service”)
Atwood offers its Premium Service to clients and charges $3,600.00 annually, billed quarterly in
arrears. Atwood charges this annual fee irrespective of the total assets under management. Clients
can cancel after the first year and will not be charged after the quarter in which they cancel.

3. CONCIERGE SERVICES

Atwood charges $360/ 6-month period, billed in arrears for its Concierge Services. Clients must
commit to an initial 6-month engagement, but can cancel after the initial 6-month engagement and
no additional fees will be incurred after the six-month period in which cancellation was requested.

4. ACCOUNTABILITY SERVICES
Atwood charges $325/6-month period, billed quarterly in arrears for its Accountability Services.
Clients must commit to an initial 6-month engagement, but can cancel after the initial 6-month
engagement and no additional fees will be incurred after the quarter in which cancellation was
requested.

5. CORPORATE BUNDLES
Atwood charges $3600 for a ten-hour bundle for its Corporate Bundles. No refunds are given once
the bundle has been purchased. Once the initial ten-hour bundle is used up, employers can stop or
buy another bundle. Bundles of hours never expire.

6. SEMINARS
Atwood charges $1500 for its virtual or live seminars. The seminars are educational in nature and
no specific investment or tax advice is given. Seminars are paid upfront and no refunds are provided
unless Atwood cannot complete the seminar purchased.

7. SMALL GROUP WORKSHOPS
Atwood charges employers $5000 for its Small Group Planning, which consists of five webinar-
style classes over several months for 5-10 employees. Employers are responsible for recruiting
participants for the Small Group Workshop. No refunds are provided, but employers can extend
registration periods to recruit more participants.

8. SMALL BUSINESS PLANNING
Atwood charges $380/hour for its small business planning and requires 2 business days' notice for
cancellation. If cancellation occurs within 2 business days, the client is charged 0.5 hours as a
cancellation fee.

9. APP SUBSCRIPTIONS
Fearless Finance’s basic platform is free to our clients, and clients will be able to connect up to 3
accounts for free. Subscribers outside of our client-base are charged $1.99/account linked to
subscribe. Clients who want to connect more than three accounts will be charged $1.99/month
per additional account.

B.      Payment of Fees
All fees are generally invoiced directly to the Client.

Atwood, in its sole discretion, may charge a lesser investment advisory fee based upon certain
criteria.

For all services, Clients may terminate their engagement with Atwood within five (5) business days
of signing an Agreement with no obligation and without penalty. After the initial five (5) business
days, the Agreement may be terminated by Atwood with thirty (30) days written notice to Client and
by the Client at any time with written notice to Atwood. However, if a client terminates Premium
Service within the first year, Atwood is entitled to payment of the investment advisory fee for the
initial year, due to the extent of upfront work required for the Premium Service. As a result, the Client

will pay for services that are not provided if they end the engagement early and should carefully
evaluate whether committing to a non-refundable first year’s fee is appropriate in light of their
financial situation, investment objectives, and willingness to maintain the advisory relationship for
at least one year. Not all investment advisers offer services without requiring a non-refundable first
year’s fee.

In the case of hourly engagements, fees will be prorated based on the work completed at the stated
hourly rate.

C.     Additional Fees

Custodians can charge brokerage commissions, transaction fees, and other related costs on the
purchases or sales of mutual funds, equities, bonds, options, margin interest, and exchange-
traded funds. Mutual funds, money market funds, and exchange-traded funds may also charge
internal management fees, which are disclosed in the fund’s prospectus. Atwood does not
directly receive any compensation from these fees. For more details on the brokerage practices,
see Item 12 of this brochure.

D.    Prepayment of Fees
Atwood does not expect clients to prepay fees.

Item 7 – Types of Clients & Account Minimums

Atwood’s Clients are generally individuals, small businesses, trusts, estates, high net-worth
individuals, and charities. Client relationships vary in scope and length of service.

There is no minimum account size and Clients are not required to have a certain amount of
investment experience or sophistication.