Clarity Financial Planners LLC

Item 5 – Fees and Compensation

Comprehensive Financial Planning and Portfolio Management Services

Note: similar advisory services can be obtained for less. The annual fee for advisory services will
be charged as a percentage of assets under advisement or supervision according to the schedule
below:

                    Assets Under Advisement                 Annual Fee
                        First $5,000,000                      1.00%
                        Next $5,000,000                       0.80%
                        Next $5,000,000                       0.60%
                        Next $5,000,000                       0.40%

*Minimum annual fee of $24,000

For example, an account valued at $13,000,000 would pay an effective fee of .83% with the
annual fee of $108,000. The quarterly fee is determined by the following calculation:
(($5,000,000 x 1.00%) + ($5,000,000 x 0.80%) + ($3,000,000 x 0.60%) ÷ 4 = $27,000.

The fee schedule may be amended from time to time by Clarity upon at least forty-five (45) days
advance written notice to client, subject to client’s right to terminate the investment advisory
agreement before an increased fee schedule takes effect upon at least (30) days written notice to
Clarity.

Clarity generally requires a minimum annual fee of $24,000 for Comprehensive Financial planning
and Portfolio Management Services.

The specific manner in which fees are charged by Clarity is established in a client’s written
agreement with Clarity. Generally financial advisory fees are billed and payable quarterly in
advance based on the value of the client’s account on the last day of the previous quarter.

If the client agreement is executed at any time other than the first day of a calendar quarter, our
fees will apply on a pro rata basis, which means that the advisory fee is payable in proportion to
the number of days in the quarter for which you are a client.

In certain circumstances, we may combine the account values of family members living in the
same household to determine the applicable advisory fee. For example, we may combine
account values for you and your minor children, joint accounts with your spouse, and other
types of related accounts. Combining account values may increase the asset total, which may
result in your paying a reduced advisory fee based on the available breakpoints in our fee
schedule stated above.

Please note: comprehensive financial planning is included with portfolio management services
at no additional cost.

We may pay a portion of our advisory fee to the sub-advisor(s) we use; however, clients will not
pay our firm a higher advisory fee as a result of any sub-advisory relationships.

We will send you an invoice for the payment of our advisory fee, or we will deduct our fee
directly from your account through the qualified custodian holding your funds and securities.
We will deduct our advisory fee only when you have given our firm written authorization
permitting the fees to be paid directly from your account. Further, the qualified custodian will
deliver an account statement to clients at least quarterly. These account statements will show
all disbursements from your account. You should review all statements for accuracy.

A client agreement may be canceled at any time, by either party, for any reason upon 30 days
written notice. Upon termination of any account at any time after the required 30-day notice,
any prepaid, or unearned fees will be promptly refunded. Clarity collects fees in advance, the
fee refunded clients may terminate the advisory relationship upon 30-days' written notice to
our firm. If the client’s advisory relationship is terminated, any fees for service not yet provided
will be refunded to the client either by check or as a deposit back into their investment account.

As a fee-only advisor, Clarity does not receive any other form of compensation. We believe this
policy helps mitigate the conflict of interest inherent when a firm receives compensation based
on the sale of specific securities or investment products.

In 2018 and prior years, Clarity followed a separate fee schedule, which remains in effect with
clients who signed agreements with us during that period and who have not agreed to an
amended advisory fee schedule.

Additional Fees and Expenses

As part of our investment advisory services to you, we may invest, or recommend that you
invest, in mutual funds and exchange traded funds. The fees that you pay to our firm for
investment advisory services are separate and distinct from the fees and expenses charged by
mutual funds or exchange traded funds (described in each fund's prospectus) to their
shareholders. These fees will generally include a management fee and other fund expenses. You
will also incur transaction charges and/or brokerage fees when purchasing or selling securities.
These charges and fees are typically imposed by the broker-dealer or custodian through whom
your account transactions are executed. We do not share in any portion of the brokerage
fees/transaction charges imposed by the broker-dealer or custodian. To fully understand the
total cost you will incur, you should review all the fees charged by mutual funds, exchange
traded funds, our firm, and others. For information on our brokerage practices, refer to the
Brokerage Practices section of this brochure.

IRA Rollover Considerations

As part of our investment advisory services to you, we may recommend that you withdraw the
assets from your employer's retirement plan and roll the assets over to an individual retirement
account ("IRA") that we will manage on your behalf. If you elect to roll the assets to an IRA that
is subject to our management, we will charge you an asset-based fee as set forth in the
agreement you executed with our firm. This practice presents a conflict of interest because
persons providing investment advice on our behalf have an incentive to recommend a rollover
...

Item 7 – Types of Clients

Clarity provides services to Individuals, high-net-worth individuals, and businesses.

In general, we charge a minimum fee of $24,000 to open and maintain an advisory
account; however, we have the right to terminate your Account if it falls below a
minimum size which, in our sole opinion, is too small to manage effectively.