Facet Wealth Inc

Item 5. Fees and Compensation
A. FINANCIAL PLANNING SERVICES
Facet provides its Members with varying levels of financial planning services.
Planning Fees and agreement terms, including agreement length, are
disclosed in the electronic authorization of the Member agreement and prior
to payment. Facet's financial planning generally ranges from $900 - $10,000
annually on a flat membership fee, subscription basis depending on the
service needs of the member. Facet does not charge a fee for investment
management and/or advisory fees as it is an included service.

Facet charges a $300 enrollment fee for members that select billing cycles
other than annual. Facet does not charge an enrollment fee for Foundations
members and may employ a monthly billing cycle for that service level. The
enrollment fee and any payment differences based on billing period
de-incentivize Members to select a quarterly or monthly payment, as
applicable, rather than annual, billing cycle. This results in Facet receiving a
larger upfront non-refundable fee, which financially benefits Facet.

Facet reserves the right to offer promotions which may include such things as
waived enrollment fees, investment account rewards or additional
promotional offers that may only be available to certain service tiers, or
through specific endorsers, referrals or marketing programs. These
promotions are subject to change and are bound by separate terms and
conditions, and may change on a frequent basis.

While Facet charges fixed, subscription based fees, Facet charges varying
fees to Members for the same or substantially similar financial planning
services, including Members of the same service tier as a result of legacy
pricing (e.g., maintaining fees offered under a prior schedule), promotional
pricing (e.g., waived enrollment fees, investment account awards, or other
offers, or through referral or marketing programs), and subjective pricing
discretion.

For information on the specific billing schedule that would be applicable to an
account, Members should check their account online or contact Facet. Details
of current and past promotions can be found on the Facet website under
“Promotions”.

Note: Fee Differentials. Facet prices its financial planning services based on
bundled services organized typically by tiers and Members can align on how
those tiers meet individual service needs. As a result, Facet’s Members could
pay diverse fees based upon the complexity of the engagement, the
anticipated number of meetings and servicing needs, related accounts,
future earning capacity, and the level and scope of the overall services to be
rendered. Although Facet’s discretionary investment management services
are not considered in determining a Member’s fixed planning fee, Facet notes
that, depending on a Member’s assets under management, the fixed
planning fee that Facet charges in respect of financial planning services may
be in excess of the 2% asset-based fee industry standard typically used solely
for investment management services, whether or not the Member takes
advantage of investment management services. Facet has made their
pricing tiers transparent and easily found on their website. The services to be
provided by Facet to any particular Member could be available from other
advisers at lower fees. All Members and prospective Members should be
guided accordingly.

B. Facet typically bills for its financial planning services either monthly,
quarterly or annually in advance, depending upon membership level and
payment period selected. All fees are initially paid via credit card although
members may subsequently elect either to have Facet’s planning fees
deducted from their custodial account or charged to their credit card
dependent on their selected service tier. Both Facet’s Planning Agreement

and the custodial/clearing agreement has the authority to authorize the
custodian to deduct the account for the amount of Facet’s planning fee and
to directly remit that management fee to Facet in compliance with regulatory
procedures. To the extent that the Member elects to have Facet’s financial
planning fee charged to their credit card, Facet shall use a third party service
that provides this form of bill pay service for its Member. In the event a
member has elected to have their Planning Fees deducted directly from their
custodial account and funds are not available, Facet has the authority to use
a third party service to deduct their fees from the previous form of payment
(credit card). Termination does not affect the Member’s obligation to pay any
non-refundable fees through the end of the payment period outlined in the
subscription. Members will continue to have access to their online Member
portal through the terms outlined in their planning agreement.

C. For investment accounts for which Facet has discretionary asset
management, Facet will generally recommend Apex Clearing except in
certain specific cases where a recommendation to Fidelity or Charles
Schwab, as the custodian for Member investment management assets, may
be made. Custodians typically charge brokerage commissions and/or
transaction fees for effecting certain securities transactions (i.e. transaction
fees are charged for certain no-load mutual funds, commissions are charged
for individual equity and fixed income securities transactions) and these fees
are fully retained by the custodian and disclosed upon investment account
opening. If a member cancels their subscription and does not transfer their
assets to another custodian within 30 days after the subscription period ends,
a $10 per month, per account, administrative fee will be charged to cover
expenses related to maintaining the account. The administrative fee will be
debited from the investment account and is used to cover the expense of
holding the investment account. If there is not sufficient cash available in the
account to cover the administrative fee, shares may be sold to generate cash
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