F5 Financial Planning LLC

Item 5 – Fees and Compensation
As a fee only firm, F5FP is compensated directly by its clients and never accepts commissions, referral fees, or
compensation of any kind related to the products recommended to client or purchased or sold by clients.

Comprehensive Financial Planning and Investment Management Fee
Initial financial planning fees for the Comprehensive Financial Planning agreement are $3,000. This is a one-
time fee. The firm charges an annual fee for the Comprehensive Financial Planning Services described above.
The fee agreement is provided to the prospective client in an engagement letter prior to working together.
An approximate schedule for the annual fee is as follows:

            Investable Asset         Annual Fee                Investable Asset                Annual Fee
              <$600,000                 $5,000             $1,400,000 - $1,600,000               $13,500
          $600,000 - $700,000           $6,000             $1,600,000 - $1,800,000               $15,000
          $700,000 - $800,000           $7,000             $1,800,000 - $2,000,000               $16,500
          $800,000 - $900,000           $8,000             $2,000,000 - $2,500,000               $19,000
         $900,000 - $1,000,000          $9,000             $2,500,000 - $3,000,000               $21,500

 Firm Disclosure Brochure

        $1,000,000 - $1,200,000       $10,500              $3,000,000 - $3,500,000              $24,000
        $1,200,000 - $1,400,000       $12,000                     >$3,500,000                  negotiable

Fees are paid quarterly in arrears on a pro-rated basis. In no case will any fee be prepaid six months or more in
advance. The firm’s fees are negotiable. The annual comprehensive financial planning fee paid to the firm for
discretionary or nondiscretionary investment management services is independent of any fees and expenses
charged by mutual fund companies or the broker-dealer with whom transactions are placed. A complete
explanation of fees and expenses charged by mutual funds is contained in the fund's prospectus.

Comprehensive Planning Without Investment Management
Same comprehensive suite of services, with the exception of the execution of the asset management
F5 will monitor investment performance and make recommendations

                       Initial Fee                                                $3,000
                 Investable Assets                                              Annual Fee
                $1,000,000 - $3,000,000                                           $12,000
                $3,000,000 - $5,000,000                                           $15,000
                    Over $5,000,000                                               $20,000

One Time Only Financial Plan
One time fee of $5,000

Retirement Plan Consulting Services
Fees for Retirement Investment Consulting Services will be determined based on complexity and scope of work
requested. It is anticipated that these fees will be a maximum of 1.00% of the plan’s assets but are negotiable.

Fee Billing
Comprehensive financial planning clients are given the choice to have their quarterly fees deducted from their
designated brokerage account at the independent custodian used by the firm or to be invoiced at the end of each
calendar quarter. If a client chooses to have their quarterly fee deducted from their brokerage account, they
must provide the firm and the custodian with advanced, written consent. These quarterly fees are billed in
arrears for the proceeding calendar quarter.

   •   An initial, one-time only fee is required for all engagements.
   •   Clients will receive quarterly statements from the Custodian that provides details of the advisory fees.
   •   A fee invoice will also be available in the Client portal.
   •   The firm will not have the authority or responsibility to value portfolio securities.

 Firm Disclosure Brochure

Mutual Fund Share Class Disclosures
Section 206 of the Investment Advisers Act of 1940 (“Advisers Act”) imposes a fiduciary duty to act in a
client’s best interests and specifically prohibits investment advisers, directly or indirectly, from engaging in any
transaction, practice, or course of business which operates as a fraud or deceit upon any client or prospective
client.

However, the fiduciary duty to which advisers are subject is not specifically defined in the Advisers Act or the
Commission rules but reflects a Congressional recognition “of the delicate fiduciary nature of an investment
advisory relationship” as well as a Congressional intent to eliminate, or at least expose, all conflicts of interest
which might incline an investment adviser, consciously or unconsciously, to render advice which was not
disinterested.

The purpose of 12b-1 fees, as approved by the SEC, are to cover marketing expenses and shareholder services
such as the support services. The more beneficial share class depends on an analysis of all fees including ticket
charges and expected 12b-1 fees. Investing in a 12b-1 fee paying share class can be less expensive for a client
than investing in a share class with a lower expense ratio if the ticket charges on the lower-cost share class
exceed the amount of ongoing 12b-1 fees.

Depending on the anticipated trading volume, and the asset management fee that is determined based on
account size, complexity and time requirements, investment advisor representatives have a fiduciary duty to
determine the mutual fund share class that is in the best interest of each client as part of the overall fee analysis.

Advisor will seek to determine the most advantageous share class available to each client. While institutional
share classes are usually the lowest cost alternative, under certain circumstances clients may be better served to
pay a higher annual expense ratio and avoid a transaction fee on each trade. When selecting a mutual fund for a
...

Item 7 – Types of Clients
The firm is focused on serving Corporate Executives, Entrepreneurs, and Families throughout the Chicago area,
Metro Atlanta area, southern Florida, and across the US.

 Firm Disclosure Brochure