CFC Planning Company LLC

Item 5 – Fees and Compensation
FINANCIAL PLANNING SERVICES
Our one-time comprehensive and limited topics financial planning services are offered on a fixed
fee basis ranging between $500 to $10,000. The fixed fee is negotiable. Fees will vary depending
on the following factors: number of client accounts; time spent researching and writing of the
financial plan; the number of areas covered by the plan; the complexity of your financial situation;
and the nature and complexity of each client’s individual circumstances. The financial planning
agreement will show what you will be charged to complete the scope of services as defined in the
agreement. For a one-time written financial plan, we will collect the fee upon engagement.
For ongoing financial planning services, we charge a quarterly fee between $125 to $2,500. The
exact quarterly fee is negotiable based on the client’s financial situation, the number of topics to
be covered in the written plan, number of meetings scheduled, number of non-managed accounts
and time to conduct research and create the plan. With ongoing financial planning, the fee will be
collected at the beginning of each quarter, in advance.
TERMINATION OF FINANCIAL PLANNING SERVICES
You may terminate this service for any reason within the first five (5) business days after signing
an advisory contract, without any cost or penalty. Thereafter, the advisory contract may be
terminated at any time by either party. Should a financial planning relationship be terminated
prior to the completion of the financial planning services, the amount of the fee that is charged
will be based upon the amount of time and resources expended by CFC prior to such termination
at the rate described in your agreement. For fees paid in advance, you will receive a prorated
refund of any unearned fees.

PORTFOLIO MANAGEMENT
We charge an annual management fee based on a percentage of assets under management in
your account as reported by the custodian. Our annual management fee is based on the
annualized tiered fees schedule as indicated below:

                      Custodian Reported Account            Fee Schedule
                                 Value
                            $0 to 1,000,000                     2.00%
                       $1,000,001 to $3,000,000                 1.75%
                       $3,000,001 to $5,000,000                 1.50%
                           Above $5,000,000                     1.25%

The management fee is calculated and billed monthly, in advance, meaning we collect the
management fee at the beginning of the month’s billing period. The management fee will be based
upon the custodian reported account value as of the last business day of the previous month. Fees
will be deducted directly from your account(s) based on the client’s authorization to the qualified
custodian holding your assets. The initial billing period’s management fee will be prorated for the
number of days services were rendered during the initial month and due in arrears based on the
first month’s end value. The fee is negotiable. Cash balances and investments in money market
funds, demand deposit accounts, or certificates of deposit held in the account are included in the
fee calculations.
The management fee is tiered, which means the applicable rate will be applied to the custodian
reported account value in each account value range. For example, with an account value of
$2,000,000, the first $1,000,000 will be charged at 2.00%. The next $1,000,000 will be charged at
1.75%.
Our management fee does not include brokerage commissions, transaction fees, or other related
costs and expenses that are incurred by you. You may incur certain charges imposed by custodians,
brokers, and other third parties such as fees charged by managers, custodial fees, deferred sales
charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees
and taxes on brokerage accounts and securities transactions. Mutual funds and exchange traded
funds also charge internal management fees, which are disclosed in a fund’s prospectus. These
charges, fees, and commissions are exclusive of and in addition to our fee and we will not receive
any portion of these charges, fees, or commissions.
RETIREMENT PLAN CONSULTING SERVICES
We charge an annual management fee based on the percentage of assets under management in
your qualified plan. Our annual fee ranges between 0.25% to 0.75%. The annual fee is calculated
and billed monthly, in advance. The fee is negotiable based on the size of the plan. We will ask you
to authorize the recordkeeper with the ability to directly deduct our management fee from your
account. Plans will also incur fees from custodians, third party administrators and recordkeepers.
These fees vary based on the service provider utilized and size of the plan. Fees for these services
are outlined in your agreement with the provider.

TERMINATION OF SERVICES
You may terminate any service for any reason within the first five (5) business days after signing
the contract without any cost or penalty. Thereafter, the contract may be terminated at any time
by giving us ten (10) days’ written notice. Because we charge in advance, you will receive a
prorated refund based on the number of days remaining in the billing period that the account(s)
were not managed.
OTHER SECURITIES COMPENSATION
In some instances, CFC recommends insurance products as part of the client’s overall allocation
strategy. If the client decides to purchase an insurance product from a CFC investment adviser
representative, acting in his or her capacity as an insurance agent, the investment adviser
representative and/or the Firm will earn commission-based compensation for selling the product.
Any compensation received is separate from and does not offset regular advisory fees. CFC will
not charge advisory fees on any insurance products.
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Item 7 – Types of Clients
We offer our services to individuals, high net worth individuals, corporations and other business
entities, charities, and pension and profit-sharing plans. We do not require a minimum account
size.