Envision Financial Planning LLC

Item 5 – Fees and Compensation
How You’re Charged and How We’re Compensated

Clients who elect to receive asset management services through Envision Financial Planning, LLC’s asset
management program will generally pay Envision Financial Planning, LLC, and their advisor for those
services with an annual asset management fee based on a percentage of assets under management,
including cash and money market positions. The maximum account management fee that can be charged
in any of our firm’s managed account programs is 1.25% annually. Clients are urged to carefully review
and discuss the contents of this Brochure with their advisor, including descriptions of the program and
services offered, the fees and charges clients will pay, the means by which Envision Financial Planning, LLC
and your advisor are compensated, and the conflicts of interest that exist between the client and Envision
Financial Planning, LLC and your advisor in respect to the program or service offered, to determine the
most appropriate program or services for your specific needs.

The annual account management fee is payable quarterly in advance and is computed as one-quarter of
the annual fee based on the AUM on the last business day of the previous calendar quarter.

In the event a client terminates an advisory agreement with Envision Financial Planning, LLC and the
advisor, any unearned fees resulting from advance payments will be refunded to the client. Likewise, in
the event Envision Financial Planning, LLC bills clients in arrears for services that have already been
rendered, Envision Financial Planning, LLC will prorate such fees up to the termination date of the advisory
agreement.

Envision Financial Planning uses a ‘breakpoint’ fee schedule which means the fee is the same on all your
assets depending on where you fit in the schedule. Some advisors use a ‘blended’ fee schedule which
means you pay different fees on different asset tiers – for example, your first dollar would always be
charged a higher fee than say, your millionth dollar.
Envision Financial Planning clients will pay an annual asset management fee, as outlined in the breakpoint
fee schedule below. The management fee is billed quarterly, and, unless otherwise agreed, shall be based
on the value of assets in the Account. In addition to the annual asset management fee, Envision Financial
Planning clients will pay transaction charges, administrative charges, and miscellaneous account fees and
charges, as described in the Envision Financial Planning Investment Advisory Agreement.

              Account Size                                                Maximum
              Greater Than or Equal To            Less Than               Annual Fee
              $0                                  $250,000                1.25%
              $250,000                            $1,000,000              1.00%
              $1,000,000                          $2,000,000              0.90%
              $2,000,000                          $3,000,000              0.80%
              $3,000,000                          $4,000,000              0.70%
              $4,000,000                          $5,000,000              0.60%
              $5,000,000                          $10,000,000             0.50%
              $10,000,000                         and Up                  0.40%

Our standard fee schedule for financial planning services is $250 per hour. However, your advisor may
quote you a fixed or project-based fee instead.

Financial Planning and Consulting: The Envision Financial Planning Wealth Management Consulting
Program provides clients with the option of paying an annual fee for ongoing services, a flat fee, or an
hourly rate not to exceed $500. The fee amount a client will pay is negotiable between the client and his
or her advisor and may either be paid at the time of service, in advance of service, or after services have
been rendered (“in arrears”). Annual fees may be paid in monthly, quarterly, semiannual, or annual
installments as agreed between the client and the advisor. Estate planning services will require an
additional fee.

Retirement Plan Consulting: Envision Financial Planning, LLC’s Retirement Plan Consulting Program
provides clients with the option of paying an annual fee for ongoing services based on a percentage of
assets under advisement, a flat fee, or an hourly rate not to exceed $500. The fee amount a client will pay
is negotiable between the client and the advisor and will be associated with all services provided by the
advisor under the Retirement Plan Consulting Agreement. Fees may be paid directly from qualified plan
assets or may be direct billed, as agreed between the client and the advisor qualified plan assets or may be
direct billed, as agreed between the client and the advisor.

For certain alternative products Envision Financial Planning, LLC may charge a one-time fee of 2.5%. These
products will not be charged an annual advisory fee and will not be included in the calculation of assets
under management when determining where you fall on the fee schedule above.

For clients with accounts participating in the American Funds Investment Advisory Funds program, the
annual fee charged quarterly in arrears is 0.25% based on assets under management.

Managed Account Fee Collection Process

Envision Financial Planning, LLC, through the account custodian, will typically debit the account
management fee from the account automatically. The account management fee will be payable first from
free credit balances, money market funds, or cash equivalents, if any, and second from the liquidation of
a portion of the client’s securities holdings, pursuant to the discretionary authority granted by the client
to Envision Financial Planning, LLC, and the advisor.

The initial quarterly fee will be prorated based on the number of billing days in the initial quarter. Fees
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Item 7 – Types of Clients
Envision Financial Planning, LLC generally provides advisory services to the following types of clients:

    •   Individuals (other than high net worth individuals)
    •   High net worth individuals
    •   Pension and profit-sharing plans

    •   Charitable organizations
    •   State or municipal government entities
    •   Corporations or other businesses not listed above

Envision Financial Planning, LLC’s managed account programs generally require clients to meet certain
account minimums. In some cases, account balances may be combined at the household level to satisfy
the account minimum. Generally, Envision Financial Planning, LLC requires $250,000 minimum in
investable assets. Envision Financial Planning, LLC reserves the right to waive this minimum at their sole
discretion.