Financial Harvest LLC

FEES & COMPENSATION

     Financial Planning

     How we charge to develop a financial plan depends on the size, complexity, and nature of your
     personal and financial situation and the amount of time it will take to analyze, present, and
     implement the plan with the services engaged.

         Planning Fees

             Second Opinion Service
             The Second Opinion Service is an evaluation of your current financial situation – based on
             your income and expenses, career, personal goals, investment strategy & deployment, and
             time horizon – to then provide you an assessment of what adjustments to your investment
             strategy could increase expected return, reduce risk, increase tax efficiency, and reduce
             costs. We also recommend financial planning steps with our Actionable Wealth Plan to
             achieve your outlined objectives and financial success.

             The Second Opinion Service requires a two-hour retainer, which is $750, and will be due in
             full at the end of the Discovery Meeting. If at the Investment Plan meeting you choose to
             engage us to manage your investment portfolio(s), we will reimburse you the $750 in the
             first management fee billing cycle (See “Billing” under “Protocols for Portfolio
             Management” below to understand when and how we bill our management fees.).

         We can prepare just a financial plan. If you are not interested in our investment
         management services and only want to engage us to prepare a financial plan, you have two
         options depending on your needs: a coordinated plan – a mutually defined review of multiple
         areas of personal financial; or, a targeted plan – a review, analysis, and evaluation of a
         single core area of personal finance.

             Coordinated
             Coordinated financial planning services are offered for a negotiated flat project fee not to
             exceed $10,000 for the initial engagement.

             The coordinated planning fee will be fully disclosed in a Financial Planning Agreement at
             the “Planting” stage of our planning process. The Agreement will include the cost5 to
             review your financial information and prepare the coordinated financial plan. We will
             require full payment of the coordinated planning fee up-front at the time the Agreement is
             signed6.

             Targeted
             If you desire only targeted planning – review, analysis, and evaluation of a core area of
             financial need – the fee will be billed at our negotiable hourly rate not to exceed $4007 per

     5   Rarely will a fee exceed those costs outlined in the Agreement. However, there can be instances where we did not contract with you to perform a
         particular task and therefore merit notifying you of the additional cost prior to beginning such services.
     6   The recommendations made in a financial plan are generally completed within 30 to 45 days from you signing the Agreement. However, implementing the
         plan using outside professionals (i.e., attorneys, CPAs, etc...) may require additional time that is out of our control. Therefore when we refer to the
         completion of the financial plan, we are referring to us (you and us) finalizing your financial benchmarks/objectives before approaching any outside
         professional.
     7   For a Targeted Financial Plan, we require a minimum of four hours consultation to address any personal and financial needs you may have.

Form ADV: Part 2A                                                                                                                                   Financial Harvest, LLC
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                                                                                                 DISCLOSURE BROCHURE

             hour. All fees will be completely itemized in a billing statement to you, or as otherwise
             predetermined in a proposal, engagement letter and/or by retainer.

         Annual Review

         It is important to note that any planning is kinetic (always in motion) and alive. A financial
         plan is a roadmap that is only as good as how well it reflects your current financial position
         to then guide you on a clear path to a future financial situation. Continuously changing
         circumstances in your life often necessitate annual reviews designed to systematically
         address these unexpected diversions and continually keep you on the right road headed to
         your future financial destination.

             Annual Review
             Once the initial financial planning services have been completed, we will establish future
             “Annual Review” dates. The Annual Reviews generally occur after the first anniversary and
             will be used to review and make adjustments, if necessary, to the financial plan. Together
             we will set the calendar dates for your future reviews; inasmuch, an Annual Review may
             consist of two or three visits during the calendar year.

             Annual Review Fee
             We reserve the option to waive our annual review fee if we are currently managing
             your investments. If we are not managing your investment portfolio and you want us to
             review your financial plan, we will notify you of the cost to perform the desired work
             before commencing. Such retainer fee will generally range from 25% to 50% of the first
             year planning fee depending on the length of time since our last review and on the
             services you request (i.e., If the first year planning fee was $4,000, the annual review fee
             would be from $1,000 to $2,000.). However, if you have experienced significant change in
...

TYPES OF CLIENTS

     The types of clients we offer advisory services to are described above under “Who We Are” in
     Item 4, the “Advisory Business” section. Our minimum fee for portfolio management is
     disclosed above under “Portfolio Management” in Item 5 above in the, “Fees & Compensation”
     section of this Brochure.