Curtis Financial Planning LLC

Item 5 – Fees and Compensation
Curtis Financial Planning offers investment advisory services on a fee-only basis. Each Advisory Agreement
entered into with clients will disclose the specific fee schedule applicable to their engagement. Fees and
minimums may differ based on the terms under which a client originally engaged our services or as mutually
agreed upon in writing. Clients are encouraged to carefully review their Agreement before signing. All fees
are negotiable, and we reserve the right to offer fee waivers or discounts at our discretion. Therefore, some
client relationships may have a different fee structure than the fee schedule shown below.

Total Wealth Management Fees – Comprehensive Financial Planning and
Investment Management
Fees for wealth management services are based upon the assets under management and are charged
quarterly in advance according to the following fee schedule, which represents the maximum fees for
individual services. The minimum fee is $10,000 per year or $2,500 per quarter. Please note that any assets
under management amount that is under $1,000,000 will result in a higher fee percentage than that listed
below.
Curtis Financial Planning charges fees based on the annual fee schedule below:
      Account Balance                                     Annual Percentage
      The portion up to $1,000,000                             1.00%
      The portion from $1,000,001 to $3,000,000                0.80%
      The portion from $3,000,001 to $6,000,000                0.65%
      The portion from $6,000,000 and over                     0.45%
The firm may, at its discretion, make exceptions to the foregoing or negotiate special fee arrangements
where Curtis Financial Planning deems appropriate under the circumstances. For example, if a client’s
financial situation is unusually complex, Curtis Financial Planning may charge a flat fee in addition to the
assets under management schedule above.
Additionally, for asset management services the firm provides with respect to certain client holdings (e.g.,
held-away assets, accommodation accounts, alternative investments, etc.), Curtis Financial Planning may
negotiate a fee rate that differs from the range set forth above.
Assets under management fees are always subject to the Advisory Agreement between the client and
Curtis Financial Planning. Such fees are payable quarterly in advance. The fees will be prorated if the
investment advisory relationship commences other than at the beginning of a calendar quarter based on
the date of the first deposit of cash or securities. If a contribution is made to client’s portfolio during the
quarter, fees will be prorated for that amount and deducted from the account based on the date of the new
account activity. The client authorizes the custodian (by initialing the appropriate section of the account
application) to automatically deduct the fees from the assets in the account when due with payments to be
reflected on the next account statement sent to the client. If insufficient cash is available to pay such fees,
securities will be liquidated to pay the balance.
In most cases, fees will be withdrawn directly from the accounts. Clients also have the option to remit
payment through an unaffiliated third-party payment processor. Fees are calculated by software used by
Curtis Financial Planning and will show in the “transactions detail” of the custodian’s monthly account
statement and on the statements provided by Curtis Financial Planning. It is the client’s responsibility to
verify the accuracy of the fee calculation as the custodian does not verify that the fee is calculated correctly.

Curtis Financial Planning                                                                                      7

Curtis Financial Planning may modify the fee at any time upon 30 days’ written notice to the client. In the
event the client has an ERISA-governed plan, fee modifications must be approved in writing by the client.
The Advisory Agreement may be canceled by either party with 30 days’ prior written notice. Upon
termination, any unearned, prepaid fees will be promptly refunded. The client has the right to terminate the
Agreement without penalty within five business days after entering into the Agreement. All fees are
negotiable. Lower fees for comparable services may be available from other sources.

General Investment Advisory Fee Information
Termination of Agreement
Although the Advisory Agreement is an ongoing agreement, the length of service to the client is at their
discretion. The client or Curtis Financial Planning may terminate the Agreement by written notice to either
party with 30 days’ notice. At termination, fees will be billed on a pro-rata basis for the portion of the quarter
completed. The portfolio value at the time notice is received is used as the basis for the fee computation,
adjusted for the number of days during the billing quarter prior to termination.
Method of Payment for Investment Management Services
Curtis Financial Planning will direct the custodian to debit earned fees from client accounts provided that
the client has provided written authorization to the custodian and the custodian provides the client a
statement, at least quarterly, indicating all amounts disbursed from the account.
The client is responsible for verifying the accuracy of the fee calculation, as the client’s custodian will not
verify the calculation.
Any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable.
Curtis Financial Planning can, with the client’s signed permission, deduct their fees directly from the clients’
accounts.
Other Fees
Custodians may charge transaction fees on purchases or sales of certain mutual funds, stocks, bonds, and
exchange-traded funds. These transaction charges are usually relatively small and are incidental to the
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Item 7 – Types of Clients
Curtis Financial Planning provides financial planning and investment management services to individuals,
families, and small-business owners. Curtis Financial Planning specializes in the unique financial planning
needs of women, such as single women, women breadwinners, women heads of household, widowhood,

Curtis Financial Planning                                                                                       8

divorce, inheritance, eldercare, and childcare. Advice may extend to entities related to the client, such as
trusts and estates, foundations, and charitable organizations. Client relationships vary in scope.