Brightplan LLC

ITEM 5 – FEES AND COMPENSATION

A.     Fees and Compensation

Subscription Fee: BrightPlan works with employers to offer Financial Wellness programs, under
which employers pay some or all of a negotiated fee on behalf of their employees (“Subscription
Fee”). In the event an employee leaves the employer they may opt to remain a client of BrightPlan
and pay the Subscription Fee which is no more than $20 each month.

BrightPlan reserves the right to reduce, waive, or suspend any fee or any part thereof for any period
for any client at its sole discretion.

Clients should review Item 5.C. below, which describes other fees, not charged by BrightPlan, that
clients should expect to incur from third parties.

White-Label Platform Fees: In connection with White-Label Arrangements, BrightPlan is
compensated by third-party advisory firms (and/or their affiliates) for licensing, platform access,
and related services. Fees may be structured as a flat fee, per-user fee, usage-based fee, revenue
share, or another negotiated arrangement. These fees are not charged directly to the end users by
BrightPlan.

B.     Fee Calculation and Deduction

As discussed above, monthly fees are generally paid by a client’s employer. In the event the client
is no longer eligible for their employer to pay the monthly fee they may opt to pay the fee directly.
In that case monthly fees are payable in advance and charged to the client’s credit card. Clients
should read the Fees section of the Investment Advisory Agreement for additional information.

C.     Other Fees and Expenses

BrightPlan’s Subscription Fee does not include any custodial or brokerage expenses that a client’s
custodian or broker may charge.

Clients will typically pay transaction and/or custodial expenses in connection with independently
implementing any of BrightPlan’s asset allocation recommendations, in addition to the
Subscription Fee paid to BrightPlan. These transactions and/or custodial expenses vary and are
based on the client’s agreement with their account custodian and/or broker-dealer.

ITEM 7 – TYPES OF CLIENTS

BrightPlan serves employers who are seeking to make available high-quality advisory services to
employees who might not otherwise have access. These employees may opt in and become clients
of BrightPlan. Clients are not required to have a certain amount of investment experience or

sophistication. Any client may create goals, receive a recommended asset allocation, and track
progress toward goals with BrightPlan on a non-discretionary basis with no account minimums.