BLOM & Howell Financial Planning Inc

Item 5: Fees and Compensation
  A. Adviser is compensated for its comprehensive wealth management services by fees charged
     based on a client’s assets under management with Adviser. For clients that do not wish to engage
     Adviser to provide comprehensive wealth management services, Adviser alternatively offers
     separate financial planning services on a fixed-fee or hourly basis. Fees are negotiable, and each
     client’s specific fee schedule is included as part of the investment advisory agreement signed by
     Adviser and the client.

      Adviser’s maximum comprehensive wealth management fee is 1.00% per annum of client’s
      assets under Adviser’s management, charged monthly in arrears based on the average daily
      account balance over the course of the previous month.

      Fixed financial planning fees typically range from $500 to $10,000 depending on the nature and
      complexity of a client’s specific financial situation, as well as the specific financial planning topics
      to be addressed as part of the initial plan or ongoing planning services. Hourly financial planning
      fees are charged at a rate not to exceed $250 per hour. Such fees will be directly billed to the
      client and due within 30 days of a financial plan being delivered or a consultation rendered.
      Adviser will not require a retainer or any prepayment exceeding $500 when services cannot be
      rendered within 6 months.

      Our firm offers Estate Planning services to our clients that consists of education on estate planning
      topics and the collection of general information necessary to complete a new estate plan or review
      a current estate plan. The fees associated with the creation or updates to a client’s estate plan are
      separate and in addition to the contractual disclosed ongoing financial planning or advisory fees
      charged and collected by the firm. The fee for this service is a flat rate with a range of $0 - $1,500
      based on complexity and other relationships with the firm. Our firm utilizes the services of Trust &
      Will, a third-party digital estate planning service for clients who have the need for estate planning
      review, creation or updates.

      When a Third-Party Adviser is engaged to provide administrative or investment services to a
      client, such client will typically pay the Third-Party Adviser an annual asset-based fee up to
      2.00%, billed quarterly in advance, based on the assets under the administration or management
      of the Third-Party Adviser. In no event will the total asset-based fee payable to Adviser and a
      Third-Party Adviser exceed 3% per annum.

      Retirement plan consulting services are billed on (a) an hourly basis, (b) an annual fixed fee, or
      (c) an annual fee based on the percentage of assets under Adviser’s management. The total
      estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of
      Adviser’s engagement with the retirement plan client. The maximum hourly fee to be charged will
      not exceed $250 per hour billed monthly in arrears. Fixed retirement plan consulting fees will start
      at a minimum of $500 and due within 30 days of the retirement plan consulting services being
      delivered. Depending on the size of the plan, a higher fee will be assessed pursuant to the
      agreement between Adviser and the plan. Fees based on a percentage of assets will not exceed
      1.00% per annum, billed monthly in arrears based on the average daily plan asset balance over
      the course of the previous month. The fee-paying arrangements for retirement plan consulting
      services will be determined on a case-by-case basis and will be detailed in the signed agreement
      between Adviser and the plan.

      Fees may be payable via direct debit from the client’s account(s), or via ACH, debit/credit card, or
      check for clients that elect not to have fees directly debited from their account(s).

      Lower fees for comparable services may be available from other sources.

B. In addition to the fees charged by Adviser, non-wrap fee program clients (i.e., clients not receiving
   comprehensive wealth management services) will incur brokerage and other transaction costs.
   As part of its wrap fee program, Adviser pays the brokerage and other transaction costs for its
   comprehensive wealth management clients. Clients should be aware that this creates a conflict of
   interest in that Adviser is incentivized to trade less frequency so as to not incur such brokerage
   and transaction costs. Please refer to Item 12: Brokerage Practices, for further information on
   such brokerage and other transaction-related practices, as well as Adviser’s Wrap Fee Brochure.
   All clients will also typically incur additional fees and expenses imposed by independent and
   unaffiliated third parties, which can include qualified custodian fees, mutual fund or ETF fees and
   expenses, mark-ups and mark-downs, spreads paid to market makers, wire transfer fees,
   check-writing fees, early-redemption charges, certain deferred sales charges on
   previously purchased mutual funds, margin fees, charges or interest, IRA and qualified retirement
   plan fees, and other fees and taxes on brokerage accounts and securities transactions. These
   additional charges are separate and apart from the fees charged by Adviser.

    Please note that clients with accounts held at American Funds will be subject to an annual fee of
    $10.

C. If Adviser or client terminates the advisory agreement before the end of a billing period, Adviser’s
   fees will be prorated through the effective date of the termination. The pro rata fees earned
   through the effective date of the termination will be billed to the client.

D. Neither Adviser nor any of its supervised persons accepts compensation for the sale of securities
   or other investment products.

Item 7: Types of Clients
Adviser generally provides its services to individuals, high-net-worth individuals, trusts, estates, business
entities, charitable organizations and pension and profit-sharing plans. Adviser does not require a
minimum account value to open or maintain an account.