CornerStone Planning LLC

Item 5 – Fees and Compensation

We provide asset management and financial planning services for a fee. Our fees do not include brokerage
commissions, transaction fees, and other related costs and expenses. You may incur certain charges imposed by
custodians, third party investment companies and other third parties. These include 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, money market funds and
exchange-traded funds (ETFs) also charge internal management fees, which are disclosed in the fund’s prospectus.
These fees may include, but are not limited to, a management fee, upfront sales charges, and other fund expenses.
We do not receive any compensation from these fees. All of these fees are in addition to the management fee you
pay us. You should review all fees charged to fully understand the total amount of fees you will pay. Services similar
to those offered by us may be available elsewhere for more or less than the amounts we charge.

You could invest in a mutual fund directly, without our services. In that case, you would not receive the services
provided by us which are designed, among other things, to assist you in determining which mutual fund or funds are
most appropriate to your financial condition and objectives.

Either party may terminate this agreement by providing thirty (30) days written notice to the other party. You will
incur charges for advisory services rendered up to the point of termination and such fees will be due and payable by
you promptly upon receipt of invoice.

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1. Financial Planning/Consulting Fees
You may want us to create a financial plan or provide comprehensive financial planning for you. We will work with
you to create the plan. We can provide analysis and recommendations for retirement needs, estate planning needs,
income tax planning, life and disability insurance needs, investment needs, and college education planning. You can
have us create a full financial plan or select any of the individual modules.

The following fee schedule applies for financial planning services:

                                      Type of Service                            Fee
                           Hourly Planning / Analysis            $250 /hour
                           Financial Planning Retainer           $500-$5,000/quarterly
                           Comprehensive Financial Planning      $250-$5,000

All fees are negotiable. You may have isolated instances where you need additional assistance. The usual fee for us
to provide hourly analysis, but not create a comprehensive plan, is $250 per hour which may be negotiable
depending upon the nature and complexity of your circumstances.

An estimate for total hours will be determined at the start of the advisory relationship. We also offer financial
planning on a retainer basis for a quarterly fee of $500 - $5,000 per quarter, billed in advance, based upon the
nature and complexity of your circumstances. Comprehensive financial planning is performed for a fixed fee of $250
- $5,000, depending upon the nature and complexity of the client's circumstances. Consultation services without a
financial plan require no minimum net worth, and financial planning services require no minimum net worth.

Based upon your needs, we may also provide consultations throughout the year to advise and counsel you about
other financial issues. We can help you with transition planning, major transaction analysis, coordinated with cash
flow needs, retirement needs, estate planning needs, income tax planning, life and disability insurance needs,
investment needs, and college education planning.

The Financial Planning Agreement will show the fee schedule you will pay. A deposit of 50% of the fee is due at the
time the agreement is signed. The remainder of the fee is due upon presentation of a plan or the rendering of
consulting services. Hourly fees, retainer fees, and financial planning fees are charged in advance and are non-
refundable. In the event that you cancel the financial consultation agreement, you will be responsible for the actual
hours spent preparing the financial plan, up to the cancellation date, at the agreed upon hourly rate. The financial
planning agreement will terminate once you receive the final plan or recommendations. Plans and/or
recommendations will be presented to you within six months of the contract date, provided that all information
needed to prepare the plan has been promptly provided to us.

All recommendations developed by us are based upon our professional judgment. We cannot guarantee the results
of any of our recommendations.

2. Asset Management Fee Schedule
We do not have a minimum opening account balance. The fee charged is based upon the amount of money you
invest. Fees are charged either quarterly, in advance, or monthly in arrears depending on if a Sub-Adviser is used.
Payments are due and will be assessed on the last day of each quarter, based on the ending balance of the account
under management for that quarter and will be calculated as follows:

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                                Portfolio Size (AUM)     Cornerstone Advisory Fee
                                     $0 - $500,000                   1.25%
                                   Over $500,000                     0.95%
For clients in which we employ a Sub-Adviser for investment management services, we will compensate the Sub-
Adviser out of our advisory fee described above.

The fees shown above are annual fees. You will be billed one quarter of this amount on a quarterly basis. For clients
...

Item 7 – Types of Clients

We provide portfolio management services to individuals, high net worth individuals, and small business owners.
We do not have a minimum account size requirement.

Cornerstone Planning LLC            ADV Part 2                    February 10, 2026           Page 8 of 24