Financial Plan Inc

Item 5 – Fees and Compensation

A     Our fees are highly dependent on a variety of factors, including: the size of the portfolio, the
      specific work required by our agreement, the location of the client and whether travel is
      required, and the number of meetings the client requires, etc. Nonetheless, we do have a
      standard fee schedule. Fees are asset-based.

                   Quarterly Advisory Expense

                    Minimum expense: $2,500

           Assets under Advisement                   Expense

        $1 million to $2 million                     0.20%
        $2 million to $3 million                     0.15%
        $3 million to $4 million                     0.10%
        $4 million to $10 million                    0.05%
        Over $10 million                             0.025%

      Due to the breadth and depth of our advisory services, we charge a minimum advisory fee of $2,500 per quarter,
      which includes management of the first $1 million of investable assets. For assets above $1 million, our advisory
      fee is based on a cumulative, tiered fee schedule that includes a gradually reduced annual fee as the amount of
      managed assets increases. Our advisory fee is assessed quarterly and is debited directly out of the client’s account
      held at the qualified custodian.

      Financial Planning
      We also offer investment consultation or financial planning services billed at the following flat
      hourly rates:
       $500/hour (Lead Advisor)
       $250/hour (Associate Advisor)
       $150/hour (Operations Director)

                                    FINANCIAL PLAN, INC.
                             PART 2A OF FORM ADV – FIRM BROCHURE

    Hourly fees are negotiable.

    If financial planning services are provided in conjunction with asset management services the
    client will be required to provide a deposit, which will be determined on a project-by- project
    basis depending on the scope of work performed. The portion of the deposit not used for
    financial planning services will be used towards asset management fees.

B   Fees based upon a percentage of Assets Under Management (“AUM”) are deducted directly
    from Client custodial accounts upon submission of an invoice to the custodian. The custodian
    will provide a quarterly statement to the client detailing the amount of the fee and the value
    of the client's assets on which the fees are based. Payment of fees may result in the liquidation
    of Client’s securities if there is insufficient cash in the account.

    AUM fees are charged quarterly in advance based upon the market value of the account on
    the last day of the previous quarter. Market value means the value of all assets in the account
    (not adjusted by any margin debit). To determine value, securities and other instruments traded
    on a market for which actual transaction prices are publicly reported shall be valued at the last
    reported sale price on the principal market in which they are traded (or, if there shall be no
    sales on a given date, then at the mean between the closing bid and asked prices on such date).
    Other readily marketable securities and other instruments shall be priced using a pricing service
    or through quotations from one or more dealers. All other assets shall be valued at fair value
    by the Adviser whose determination shall be conclusive.

C   Clients pay brokerage transaction costs and other charges directly to the custodian. See Item
    12. Financial Plan, Inc.'s fees are exclusive of brokerage ticket charges, transaction fees, and
    other related costs and expenses which shall be incurred by the client. Clients may incur certain
    charges imposed by custodians, brokers, third party investment and other third parties such
    as fees charged by managers, custodial fees, odd-lot differentials, transfer taxes, wire transfer
    and electronic fund fees, and other fees and taxes on brokerage accounts and securities
    transactions. Mutual funds and exchange traded funds also charge internal management fees,
    which are disclosed in a fund's prospectus. Such charges and fees are exclusive of and in
    addition to Financial Plan, Inc.'s fee, and Financial Plan, Inc. shall not receive any portion of
    these fees and costs.

D   Clients pay all advisory fees quarterly, in advance. Fees for a partial quarter at the
    commencement or termination of an agreement will be prorated based on the number of days
    the account was open during the quarter. We may modify the terms of the fee agreement by
    giving clients 60 days written notice in advance, or by written authorization by clients.

    All service agreements may be terminated at any time by either party by providing the other
    party with 30 days written notice. Upon termination of any account, any fees that have been
    earned by advisor but not yet paid by Client will be immediately due and payable. Any fees
    that have been paid but not yet earned by advisor will be immediately refunded to Client.

                                        FINANCIAL PLAN, INC.
                                 PART 2A OF FORM ADV – FIRM BROCHURE

Rollover Recommendations
As part of our investment advisory services to you, we may recommend that you roll assets from your
employer’s retirement plan, such as a 401(k), 457, or ERISA 403(b) account (collectively, a “Plan
Account”), to an individual retirement account, such as a SIMPLE IRA, SEP IRA, Traditional IRA,
or Roth IRA (collectively, an “IRA Account”) that we will manage on your behalf. We may also
recommend rollovers from IRA Accounts to Plan Accounts, from Plan Accounts to Plan Accounts,
and from IRA Accounts to IRA Accounts. When we provide any of the foregoing rollover
recommendations we are acting as fiduciaries within the meaning of Title I of the Employee
...

Item 7 – Types of Clients

We provide investment and financial advisory services to individuals and high net worth individuals.
We do not have a stated minimum account size.

In addition to individuals and couples, we will also provide investment and financial advisory services
to various foundations, associations, corporations, retirement plans and non-profit organizations.