Complete Financial Planning Inc

Item 5 – Fees and Compensation
INVESTMENT ADVISOR FEE SCHEDULE: Registrant’s annual investment advisory fee is
equal to two percent (2%) or less of the total value of assets in your Account. The value of your
Account is the sum of your discretionary, non-discretionary accounts held by the agreed upon
Custodian and agreed upon Held Away accounts (tax deferred annuities, 401k plans and
corporate pension plans). Prorated quarterly, fees are due and payable upon the execution of the
“INVESTMENT ADVISORY AGREEMENT.” Client will authorize Registrant to directly
debit fees from Client account(s). Each Client signing an Investment Advisory Agreement
receives a copy of this brochure and has five business days to unconditionally rescind the
agreement. Quarterly fees are computed based on the chart below and deducted directly from the
Client’s account(s) in advance. On occasion, fees may be negotiated for accounts, but only with
prior approval from one or more of the firm’s officers.

All assets under management, including any margin balances, priced according to the Client’s
brokerage statement, are calculated as or the last day of the previous quarter. Valuation of agreed
upon Held Away accounts (tax deferred annuities, 401k and corporate pension plans) will be
provided by Client to Complete Financial Planning, Inc., except those Advisor has access to.

Registrant’s sliding scale fee for assets under management is as follows:

                                            PER ANNUM             PER QUARTER

       First $ 250,000                        2.0%                  0.50%

       Next $ 250,000                         1.0%                   0.25%

       Next $ 500,000                         0.8%                   0.20%

       Next $1,000,000                        0.6%                   0.15%

       Then $2,000,000 and above              0.4%                   0.10%

Registrant’s fees are exclusive of brokerage commissions, transaction fees, and other related
costs and expenses which shall be incurred by the Client. Clients may incur certain charges
imposed by custodians, brokers, third party investment 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. Such charges, fees and
commissions are exclusive of and in addition to Registrant’s fee, and Registrant shall not receive
any portion of these commissions, fees, and costs.

FINANCIAL PLANNING FEES: Financial planning services are available to Clients
requesting such service and advice for no additional cost by maintaining a minimum of $500,000
in assets under management with Registrant. Financial planning services are available to Clients
with less than $500,000 under management with Registrant. Clients with less than $500,000 in
assets under management will pay Registrant’s fixed hourly fee of $400 for financial planning
services in addition to fees for assets under management outlined above. On occasion, financial
planning services will be made available to Clients with less than $500,000 in assets under
management for no additional cost, but only with prior approval from one or more of the firm’s
officers. Financial planning services are offered to all Clients. However, Clients must elect to
participate in extensive data gathering and provide requested information and documentation in a
timely manner. Clients signing a “FINANCIAL PLANNING AGREEMENT” receive this
brochure and are given five business days to unconditionally rescind the agreement. Upon
rescission, within the five-day period, any fees paid in advance will be refunded. Hourly fees are
applicable to time spent with the Client gathering information, telephone conferences, preparing
a written report, discussing alternatives and strategies and implementing the agreed upon
recommendations. Clients may terminate the agreement at any time after five business days and
a refund of the unearned fees will be made, based on the time expended by Registrant before
termination. Otherwise, the agreement terminates upon delivery of any specified reports or
performance of specified services.

Clients are under no obligation to act upon Registrant’s recommendations or to effect any
transactions through Registrant (or a related person). Therefore, Registrant and any related
person of Registrant has no guarantee of any compensation beyond fees for financial planning
services related to Client meetings, research, telephone consultations and preparation of written
reports. The Client is always free to implement Registrant’s recommendations through someone
other than Complete Financial Planning, Inc.

COMPENSATION PAYABLE: Registrant collects its standard fees as described above as
follows: Asset management service fees are billed and collected quarterly in advance directly
from Client accounts and are prorated for the initial period. In the event of the termination of an
advisory contract during a quarterly period, any advisory fees paid in advance will be prorated to
the date of termination, e.g., after the account has been fully liquidated or transferred. Client
must notify Registrant of termination in writing. Notice must be mailed to advisor via United
States Postal Service and sent Registered or Certified Return Receipt Mail with pre-paid postage
to Complete Financial Planning, Inc., 4 Pippen Place, New City, New York 10956, facsimile or
e-mail, which receipt must be confirmed in writing by Advisor. It is the Client’s responsibility to
verify the accuracy of the Advisor’s fee calculations as the custodian will not determine whether
a fee has been properly calculated when automatically deducted from the custodial account(s).
...

Item 7 – Types of Clients
Registrant provides portfolio management services to individuals, high net worth individuals,
pension and profit-sharing plans.