Comprehensive Money Management Services LLC

Fees and Compensation
   Description
      Financial planning fees are charged for the development and delivery of a
      financial plan. The fee quoted to individual clients is based on our estimate of
      the time required to complete the work. Minimum fees for each of the three
      levels of financial planning are described above. However, the amount is
      negotiable.
       One half of the planning fee is required upon the execution of the agreement
       with the balance of the fee due at the time of plan delivery. For those clients
       engaging CMMS for investment supervisory services, there will be no
       additional fee to update the financial plan from time to time. An exception to
       this rule may arise if a client wishes for CMMS to provide advice and analysis
       well beyond the scope of the original plan. Fees for additional planning
       beyond the scope of the original engagement will be negotiated prior to
       beginning the work.
       CMMS charges fees for investment management services based on a
       percentage of assets under management subject to quarterly minimums as
       explained below. These fees are in addition to any other investment
       management fees, trustee fees or mutual fund fees charged by other third-
       parties, non-affiliated advisors or mutual fund managers.
       Effective January 1, 2026, CMMS updated its fee schedule for investment
       management services. The new fee schedule supersedes any prior written
       arrangements, fee discounts or fee waivers previously applied. The revised
       fee schedule is as follows:
        ASSETS UNDER MANAGEMENT                                           QUARTERLY FEE*           ANNUAL EQUIVALENT
        First $2,500,000                                                          0.2500%                      1.00%
        Next $2,500,000                                                           0.2125%                      0.85%
        Next $2,500,000                                                           0.1625%                      0.65%
        Next $2,500,000                                                           0.1250%                      0.50%
        Next $10,000,000                                                          0.0875%                      0.35%
        Additional Assets                                                         0.0500%                      0.20%

        *Subject to a minimum quarterly fee of $1,500 which equates to $6,000 annually. Fees are negotiable.

       When we charge fees based on the percentage of assets under
       management, our compensation could be enhanced based on our advice.
       This can create a conflict of interest. For example, actions or
       recommendations that would increase the assets we manage might include:
       taking out a mortgage rather than using cash to purchase a home, deciding
       not to pay off a mortgage, gifting to charities or children, or our
       recommendations about converting traditional IRAs to Roth IRAs (which
       requires the payment of taxes).

                                   Comprehensive Money Management

    Each time a potential conflict is identified, we will give you verbal or written
    notice of the conflict in that given situation and note if our advice regarding
    the proposed transaction would impact our compensation.

    This method of compensation aligns our interests with yours. Our
    compensation increases when the investment assets that we manage
    increases. However, our revenue also may be increased or decreased due to
    market fluctuations caused predominately by economic factors beyond our
    control. These market fluctuations (up or down) do not reflect the value we
    add to investment management.

Fee Billing
    Investment management fees are billed quarterly, in advance, meaning that
    we invoice the client at the beginning of each calendar quarter. Fees are
    calculated based on assets under advisement on the last day of the
    preceding calendar quarter. Payment in full is expected upon invoice
    presentation.
    Our Wealth Management Agreement with Client authorizes us to deduct
    advisor fees from the Client’s account for mutual convenience. Notice is
    provided to clients at the time of collection along with a copy of the invoice
    demonstrating how the fee was calculated. Invoice copies may also be
    provided to the custodian at the time the fee is deducted. CMMS complies
    with all of the provisions of 69W-600.0132(2)(a)-(d), F.A.C.
    To make sure you are aware of the fees we charge, we will provide quarterly
    billing statements which provide the calculations that determine the dollar
    amount you are being charged.
    Fees for financial plans are typically billed 50% in advance, with the balance
    due upon delivery of the financial plan.

Other Fees
    We may charge fixed fees or hourly charges for special projects that are
    beyond the scope of financial planning or investment management. Fees are
    negotiable.
    Custodians may charge transaction fees on purchases or sales of certain
    stocks, bonds, mutual funds and exchange-traded funds. These transaction
    charges are usually small and incidental to the purchase or sale of a security.
    The selection of the security is typically more important than the nominal fee
    that the custodian charges to buy or sell the security.
    CMMS, in its sole discretion, may waive its minimum fee and/or charge a
    lesser investment advisory fee based upon certain criteria (e.g., historical
    relationship, type of assets, anticipated future earning capacity, anticipated
    future additional assets, dollar amounts of assets to be managed, related
    accounts, account composition, negotiations with clients, etc.).

                       Comprehensive Money Management

   Expense Ratios
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Types of Clients
   Description
      CMMS generally provides investment advice to individuals, pension and
      profit-sharing plans, trusts, estates, or charitable organizations, corporations
      or business entities.
       Client relationships vary in scope and length of service, but are generally
       long-term relationships.

   Account Minimums
      CMMS does not require a minimum account size. However, there is a
      minimum quarterly fee of $1,500. The minimum fee is negotiable.

                          Comprehensive Money Management

       Exceptions may include the size and scope of accounts maintained by
       relatives or other household members of the client and/or anticipated future
       growth of the client’s account.
       At our discretion, we may temporarily or permanently waive or lower minimum
       fees without notice and without amending of the Wealth Management
       Agreement.

Methods of Analysis, Investment Strategies and Risk of Loss