Cygnet Financial Planning Inc

Item 5: Fees and Compensation

      Cygnet Managed Accounts
       Clients using Cygnet Managed Accounts are charged an annual fee for investment advice and portfolio
       management and a separate recordkeeping and technology platform fee.. The fee charged by Cygnet is a blended
       fee and is based on the value of the account on the last day of the preceding quarter. The blended fee t charged is
       calculated using the following tiered fee schedules.
       Cygnet does not impose a minimum fee. Cygnet reserves the right to negotiate lower fees with clients than those
       described below.
       All of the clients account(s) being managed by Cygnet will be aggregated for calculation of a blended fee. FFH may,
       at its discretion, aggregate client account(s) with those accounts held by related (familial, business, etc…) parties
       when calculating the blended fee to be charged.

              Portfolio Management & Investment Advisory Fee Schedule
                                                                Maximum Annual Fee
                            Account Value Tiers
                                                              Charged by Cygnet per Tier*
                              $0           to             $49,999              1.50%

                       $50,000             to             $99,999              1.35%

                     $100,000              to            $249,999              1.20%

                     $250,000              to            $499,999              1.00%

                     $500,000              to            $999,999              0.80%

                   $1,000,000              or                more              0.40%

              Recordkeeping & Technology Fee Schedule
                                                                        Maximum Annual Fee
                                  Account Value Tiers
                                                                      Charged by Cygnet per Tier*
                              $0           to           $1,000,000             0.15%

                   $1,000,000              or                more              0.10%

       As specified in the signed advisory agreement, Cygnet’s fees are billed quarterly and in advance based. Fees are
       typically debited from clients’ accounts between the 5th and 10th day of the 1st month of each quarter.
       Accounts opened mid-quarter will be charged a prorated fee for the number of days from when the account was
       established on Cygnet’s management system and the end of the quarter. The account value used when computing
       the prorated fee is the value of the account when it was established plus any additions greater than $10,000. This
       prorated fee will be added to the first quarterly billing opportunity for the account.
       Additional deposits of funds and/or securities greater than $10,000, in sum total for the quarter, will be billed on a
       prorated basis and subject to the billing procedures described above. Withdrawal of funds and/or securities greater
       than $10,000, in sum total for the quarter, will cause fees to be refunded to the client on a prorated basis subject to
       the billing procedures described above. Unless otherwise specified, fees are automatically deducted from the
       account pursuant to terms of the signed advisory agreement.
           For example, a client depositing $5,000 on the 10th day of each month would be billed as follows for a quarter
           that is 90 days long. Thus, the first deposit will be billed for the 80 days (90 – 10) remaining in the quarter; the
           second will be billed for the 50 days (90 – 40) remaining in the quarter; and, the third deposit will be billed for
           the 20 days (90 – 70) remaining in the quarter. The daily fee charged equals the annual percentage fee for the
           account divided by 365.
           Under the scenario above, at the next regular quarterly billing opportunity, the client will be billed the following
           prorated amount (in arrears) for these additional deposits in the prior quarter.
               •    Fee for the 1st deposit = $5,000 x the daily fee x 80 days
               •    Fee for the 2nd deposit = $5,000 x the daily fee x 50 days
               •    Fee for the 3rd deposit = $5,000 x the daily fee x 20 days

Cygnet Financial Planning, Inc.                                                                                March 27, 2026
Part 2A of Form ADV

       Billing of client accounts is executed by Cygnet using the recordkeeping and rebalancing software developed and
       maintained by Envestnet | Tamarac. Cygnet’s compliance staff will review a representative sample of the billings
       prepared each quarter to assure that the fees billed are consistent with the signed advisory agreement.

             Fixed Fee for Investments Purchased as Part of a Funding Strategy for Planned Systematic and/or Future
             Potential Distributions (excluded from the fee schedules above)
                                  $1 per $1000 per quarter of the amount initially invested.

             Termination of Agreement
             Cygnet’s advisory agreements for Cygnet Managed Accounts may be terminated by either party at any time by
             written notice. Fees paid in advance will be prorated to the date of termination and any unearned portion of
             the fee will be refunded to the client.

      Cygnet Managed Annuities
       Clients using a Cygnet Managed Annuity are charged a maximum annual fee of 1.25% for investment advice and
       portfolio management by Cygnet. The annual fee is a fixed rate fee and is not part of a tiered fee schedule. Cygnet
       does not impose a minimum annual fee. Cygnet reserves the right to negotiate lower fees with clients. This account
...

Item 7: Types of Clients

      Description
       Cygnet generally provides investment advisory and portfolio management services to individuals, high net worth
       individuals, corporate pension and profit-sharing plans, estates, and trusts.
       Client relationships vary in scope and length of service.

      Minimum Account Sizes
       Cygnet has established the following minimum account size requirements for its investment advisory and portfolio
       management services.
      Cygnet Managed Accounts
            •     Foundation
                      o $1,000 initial one-time investment
                      o $100 initial investment + $100 per month systematic deposit

            •     Core
                      o      $7,500

            •     CorePlus
                      o $20,000

            •     Premier & PremierPlus
                      o $100,000

            •     Capital Preservation
                      o $25,000

            •     Aggressive Growth Focused
                      o $25,000

      Cygnet Managed Annuity
            •     No-Load Variable Annuity
                      o $25,000

       Cygnet reserves the right to reduce this minimum account size requirement on a case-by-case basis.
       Cygnet has no minimum size requirements for its Qualified Plan Consulting and Fiduciary Investment Services.

Cygnet Financial Planning, Inc.                                                                               March 27, 2026
Part 2A of Form ADV