Bridge Financial Planning LLC

Fees & Compensation - Item 5

Please note that unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the client within five (5)
business days of signing the contract without penalty. How we are paid depends on the type of advisory service we
are performing. Please review the fee and compensation information below.

Investment Advisory Fees
Our standard advisory fee is based on the market value of the assets under management and is calculated as follows:

                             Account Value                            Annual Advisory Fee

                             $0 - $1,000,000                                  0.95%

                        $1,000,001 - $2,000,000                               0.85%

                        $2,000,001 - $3,000,000                               0.75%

                           $3,000,001 - Above                                 0.60%

The annual fees are negotiable, prorated, and paid in arrears on a monthly basis. The advisory fee is a blended fee
and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the above chart,
resulting in a combined weighted fee. For example, an account valued at $3,000,000 would pay an effective fee of
0.85% with an annual fee of $25,500. The monthly fee is determined by the following calculation: (($1,000,000 x
0.95%) + ($1,000,000 x 0.85%) + ($1,000,000 x 0.75)) ÷ 12 = $2,125. No increase in the annual fee shall be effective
without agreement from the client by signing a new agreement or an amendment to their current advisory
agreement.

The firm treats cash and cash equivalents as an asset class. Accordingly, unless otherwise agreed in writing, all cash
and cash equivalent positions (e.g., money market funds, etc.) are included as part of assets under management for
purposes of calculating the firm’s advisory fee. At any specific point in time, depending upon perceived or anticipated
market conditions/events (there is no guarantee that such anticipated market conditions/events will occur), the firm
may maintain cash and/or cash equivalent positions for defensive, liquidity, or other purposes. While assets are
maintained in cash or cash equivalents, such amounts could miss market advances and, depending upon current
yields, at any point in time, the firm’s advisory fee could exceed the interest paid by the client’s cash or cash
equivalent positions.

The firm has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment
advisory services, the firm will review client portfolios on an ongoing basis to determine if any changes are necessary
based upon various factors, including but not limited to investment performance, fund manager tenure, style drift,
account additions/withdrawals, the client’s financial circumstances, and changes in the client’s investment
objectives. Based upon these and other factors, there may be extended periods of time when the firm determines
that changes to a client’s portfolio are neither necessary nor prudent. Notwithstanding, unless otherwise agreed in
writing, the firm’s annual investment advisory fee will continue to apply during these periods, and there can be no
assurance that investment decisions made by the firm will be profitable or equal any specific performance level(s).

Accounts initiated or terminated during a calendar month will be charged a prorated fee based on the amount of
time remaining in the billing period. An account may be terminated with written notice at least 30 calendar days in
advance. Since fees are paid in arrears, no rebate will be needed upon termination of the account. Any clients
utilizing investment advisory services under an executed contract dated prior to the date of this ADV Amendment
are “grandfathered” under the previous fee schedule unless and until new agreements are in place.

Other Adviser Fees: The selected adviser's fees are in addition to our advisory fees. Typically, the other adviser’s fee
will not exceed 0.29% of the assets in the program and will be clearly set forth in the management agreement. The
total annual combined fee paid to us and the other adviser and us will not exceed 2.00% of the assets under
management. Outside adviser fees may or may not be negotiable and are generally billed on a quarterly or monthly
basis in arrears unless otherwise stated in the written management agreement for the client’s account. Other
advisers may calculate their fees differently from how we calculate our fees as described above. Specifically, where
DFA is selected as another adviser, their fee is a fixed percentage, a quarterly fee based on the average daily balance
of the assets under management, whereas our fee is a monthly fee based on the blended fee schedule stated above.
The DFA fee will be calculated as follows: Quarterly Fee = (sum of End of Day portfolio valuations for the quarter just
ended/number of days in the quarter just ended) x (annual management fee rate/4).

Clients will authorize the other adviser to directly debit fees from client accounts. Accounts initiated or terminated
during a billing period will generally be charged a prorated fee. Upon termination of any account, any earned, unpaid
fees will be due and payable. All fees paid to the selected adviser and us will be deducted from the designated
account(s) by the account custodian(s) as authorized by you in the agreements you sign with us and/or the account
custodian. The statements you receive from the qualified custodian(s) holding your account(s) will show the amount
of advisory fees paid. You should carefully review account statements for accuracy. If you have a question regarding
your account statement, or if you did not receive a statement from your custodian, please contact us directly at the
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Types of Clients - Item 7

We provide financial planning and portfolio management services to individuals, high-net-worth individuals,
charitable organizations, corporations, and other businesses. We do not have a minimum account size requirement.
However, other advisers may have various minimum requirements. Where DFA SMA is selected, the minimum
account size is generally $500,000. Dimensional may waive this minimum in certain circumstances.

                Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

When clients have us complete an Investment Analysis, our primary methods of investment analysis are
fundamental, technical, cyclical, and charting analysis.

Fundamental analysis involves analyzing individual companies and their industry groups, such as a company’s
financial statements, details regarding the company’s product line, the experience and expertise of the company’s
management, and the outlook for the company’s industry. The resulting data is used to measure the true value of
the company’s stock compared to the current market value. The risk of fundamental analysis is that the information
obtained may be incorrect, and the analysis may not provide an accurate estimate of earnings, which may be the
basis for a stock’s value. If securities prices adjust rapidly to new information, utilizing fundamental analysis may not
result in favorable performance.

We refer clients to third-party investment advisers (“outside managers”). Our analysis of outside managers involves
the examination of the experience, expertise, investment philosophies, and past performance of the outside
managers in an attempt to determine if that manager has demonstrated an ability to invest over a period of time
and in different economic conditions. We monitor the manager’s underlying holdings, strategies, concentrations,
and leverage as part of our overall periodic risk assessment. Additionally, as part of our due diligence process, we
survey the manager’s compliance and business enterprise risks. A risk of investing with an outside manager who has
been successful in the past is that they may not be able to replicate that success in the future. In addition, we do not
control the underlying investments in an outside manager’s portfolio. There is also a risk that a manager may deviate
from the stated investment mandate or strategy of the portfolio, making it a less suitable investment for our clients.
Moreover, as we do not control the manager’s daily business and compliance operations, we may be unaware of
the lack of internal controls necessary to prevent business, regulatory, or reputational deficiencies.

Material Risks Involved

All investment strategies we offer involve risk and may result in a loss of your original investment, which you
should be prepared to bear. Many of these risks apply equally to stocks, bonds, commodities, and any other
investment or security. Material risks associated with our investment strategies are listed below.

Market Risk: Market risk involves the possibility that an investment’s current market value will fall because of a
general market decline, reducing the value of the investment regardless of the operational success of the issuer’s
operations or its financial condition.

Strategy Risk: The Adviser’s investment strategies and/or investment techniques may not work as intended.

Small and Medium Cap Company Risk: Securities of companies with small and medium market capitalizations are
often more volatile and less liquid than investments in larger companies. Small-cap and medium-cap companies may
face a greater risk of business failure, which could increase the volatility of the client’s portfolio.

Turnover Risk: At times, the strategy may have a portfolio turnover rate that is higher than that of other strategies.
A high portfolio turnover would result in correspondingly greater brokerage commission expenses and may result in
the distribution of additional capital gains for tax purposes. These factors may negatively affect the account’s
performance.

Limited markets: Certain securities may be less liquid (harder to sell or buy), and their prices may at times be more
volatile than at other times. Under certain market conditions, we may be unable to sell or liquidate investments at
prices we consider reasonable or favorable, or find buyers at any price.

Interest Rate Risk: Bond (fixed income) prices generally fall when interest rates rise, and the value may fall below
par value or the principal investment. The opposite is also generally true: bond prices generally rise when interest
rates fall. In general, fixed income securities with longer maturities are more sensitive to these price changes. Most
other investments are also sensitive to the level and direction of interest rates.

Legal or Legislative Risk: Legislative changes or Court rulings may impact the value of investments or the securities’
claim on the issuer’s assets and finances.

Inflation: Inflation may erode the buying power of your investment portfolio, even if the dollar value of your
investments remains the same.

Cybersecurity Risk: Our firm and our service providers are subject to risks associated with a breach in cybersecurity.
Cybersecurity is a generic term used to describe the technology, processes, and practices designed to protect
networks, systems, computers, programs, and data from cyber-attacks and hacking by other computer users, and to
avoid the resulting damage and disruption of hardware and software systems, loss or corruption of data, and/or
misappropriation of confidential information. In general, cyberattacks are deliberate; however, unintentional events
may have similar effects. Cyber-attacks may cause losses to clients by interfering with the processing of transactions,
affecting the ability to calculate net asset value, or impeding or sabotaging trading. Clients may also incur substantial
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