Capital Financial Planners LLC

Item 5 – Fees and Compensation

A      Fees for Wealth Management Services. Our wealth management services may be offered to clients
       under either (1) a traditional “unbundled” fee arrangement or (2) a “hybrid arrangement,” wherein
       the client pays us an advisory fee and also pays a separate “wrap fee” to the sponsor of the wrap
       fee program through which we will manage their account.

            In an unbundled fee arrangement, you will pay an asset-based advisory fee to our firm and
             separately incur custodial fees and transaction costs payable to the Custodian of your
             account. You will also be separately charged advisory fees by any Independent Manager(s)
             engaged to manage your account.

            In a hybrid fee arrangement, you will pay an asset-based advisory fee to our firm and a
             separate wrap fee or “platform fee” to the sponsor of the selected wrap fee platform which
             bundles together the costs of any Independent Manager’s advisory fees with most custodial
             fees and transaction costs generated in your account. The asset-based advisory fee you will
             pay to Capital Financial Planners and the platform fee you will pay to the sponsor of the
             wrap fee program are referred to collectively as an “Account Fee.” Depending on the level
             of trading activity in your account, the level of Independent Manager(s) utilized, and the
             holdings of your account, among other factors, wrap fee arrangements may cost you more
             or less than an unbundled fee.

               The benefits you may experience where a wrap fee applies depend, in part, upon the size
               of your account, the costs associated with managing your account, and the frequency and/or
               type of securities transactions executed in your account. For example, a wrap fee program
               may not be suitable for all accounts, including but not limited to accounts holding

CAPITAL FINANCIAL PLANNERS                                     FORM ADV PART 2A – FIRM BROCHURE

              primarily, and for any substantial period of time, cash or cash equivalent investments, fixed
              income securities, or no-transaction-fee mutual funds, or any other type of security that can
              be traded without commissions or other transaction fees. In order to evaluate whether a
              wrap fee program is appropriate for you, you should compare the wrap fee and any other
              costs associated with participating in the program with the amounts that would be charged
              to you for a similar suite of services by other investment advisors, broker-dealers, and
              custodians if advisory fees, brokerage and execution costs, and custodial services were to
              be charged to you separately. Capital Financial Planners will only recommend your
              participation in a wrap fee based investment program when we believe the same to be in
              your best interests.

      A further description of these distinct fee arrangements is as follows:

      Unbundled Fee Arrangements: We will charge you an annual asset-based advisory fee for wealth
      management services in accordance with the below fee schedule.

                             Capital Financial Planners’ Advisory Fee Schedule

                                         Wealth Management Services

                   Assets Under Management                          Annual Fee
                         $0 – $1,000,000                              1.00%
                    $1,000,001 – $2,000,000                           0.75%
                    $2,000,001 – $5,000,000                           0.50%
                    $5,000,001 - $10,000,000                          0.25%
                    Greater than $10,000,000                        Negotiable

      Our asset-based advisory fees are calculated based on the market value of your account (including
      any cash balances) at the start of the billing period. They are charged in advance, either monthly,
      quarterly, semi-annually, or annually (as set forth in our written advisory agreement with the client),
      and shall be pro-rated for any partial billing periods. The advisory fees we charge to your account
      may be amended by us from time to time in our sole discretion, but only upon thirty (30) days’
      prior written notice to you.

      For purposes of calculating our advisory fees, we will typically rely on the valuation of your
      account provided by the Custodian. The Custodian may use various pricing services such as Reuters
      and Standard & Poor’s to price securities held in your account. For actively traded securities, these
      services use the actual last reported sale price. For less actively traded securities such as bonds,
      these services will use the appropriate valuation methodology to determine the value of the security.
      In rare instances where a market-based price or other reliable pricing for a holding in your account
      is unavailable or the market value of an asset is otherwise difficult for us to determine (e.g., certain
      privately offered securities, thinly traded securities, etc.), alternative valuation procedures may be
      followed. We will alert you whenever this circumstance may arise and provide disclosure of the
      applicable valuation procedure. You should contact us with any questions or concerns about the
      valuation of any investments held in your account.

      Clients may make additions or withdrawals from their account at any time; however, we reserve
      the right to adjust our advisory fees on a pro-rata basis on account of any such transactions. Clients
      should note that some or all of the investments in their account may be intended as long-term
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Item 7 – Types of Clients

We provide investment advice to individuals, high net worth individuals, charitable organizations,
corporations, partnerships, and other business entities. We generally require a minimum opening account
size of $1,000,000. We may waive this minimum in our sole discretion on a per client basis. We do not
require any minimum fee to open or maintain an account with our firm.

CAPITAL FINANCIAL PLANNERS                                     FORM ADV PART 2A – FIRM BROCHURE