Financial Planning Hawaii Inc

Item 5 - Fees and Compensation
Fees for Fee-Only Financial Planning

Fees are individually negotiated with most expected to range from $3,000 to $10,000, depending
upon the complexity and scope of work to be performed.

Fifty percent (50%) of the fee is payable in advance, and the balance is due upon delivery and
presentation of the financial plan. We will provide invoices, and payment may be made via personal
check. We strive to complete all client engagements within 30 days. Each client who pays in advance
will receive the financial plan within six months; otherwise, the fee will be wholly refunded.

Fees for Continuous Financial Planning and Portfolio Management

Investment management fees are calculated and payable quarterly in advance based on the total
value (as reported by the Custodian and including cash and cash equivalents) of your Accounts on

the last day of the previous quarter at the rate set forth below as a percentage of assets managed
and/or monitored/advised under the agreement. The initial fee is calculated as of the day any
billable assets are received into account and prorated from that day until the end of the quarter. The
Advisor’s fees are negotiable and subsequent to the execution of an agreement; the Adviser reserves
the right to increase fees but only after the Adviser notifies the Client within thirty (30) days of any
increase in fees.
Assets Under Management                 Annual Fee
Up to $499,999.99                       0.75%
$500,000 - $999,999.99                  0.65%
$1,000,000 - $2,999,999.99              0.50%
$3,000,000 - $3,999,999.99              0.40%
$4,000,000 - $4,999,999.99              0.30%
$5,000,000 +                            0.10%

All Clients should be aware that if the firm’s Brochure Documents are not provided to the client at
least 48 hours prior to signing the advisory contract, the client has five business days in which to
cancel the contract without penalty. Thereafter, Clients may terminate their agreement with us in
accordance with the termination provisions in the executed agreement.

Note that, upon termination, no prepaid fees will be refunded in accordance with the firm’s
executed agreement.

Clients should note that lower fees for comparable services may be available from other sources.
Existing and previous clients of the firm may be paying or have paid more or less than the current
fee schedule.

Additional Fees and Expenses

Fees paid by clients to FPH for investment advisory services are separate and distinct from the fees
and expenses charged by mutual funds and/or ETFs to their shareholders. These fees and expenses
are described in each fund's prospectus. These fees will generally include a management fee, other
fund expenses, and a possible distribution fee. If the fund also imposes sales charges, a client may
pay an initial or deferred sales charge. A client could directly invest in a mutual fund without our
services. In that case, the client would not receive the services provided by our firm which are
designed, among other things, to assist the client in determining which mutual fund or funds are
most appropriate to each client's financial condition and objectives. Accordingly, the client should
review both the fees charged by the funds and our fees to fully understand the total amount of fees
to be paid by the client and to thereby evaluate the advisory services being provided. If we
recommend mutual funds, we will, in most if not all cases, recommend the lowest cost share class.

In addition to our advisory fees, clients are also responsible for the fees and expenses charged by
custodians, administrators, broker dealers, including, but not limited to, any transaction charges
imposed by a broker dealer. Please refer to the "Brokerage Practices" section (Item 12) of this Form
ADV for additional information. Additionally, there may be incidental fees and charges imposed by

the custodian for services such as overnight delivery of documents or checks, administrative fees,
federal fund wires, and other services provided by the custodian.

Pre-existing advisory clients are subject to FPH’s advisory fees in effect at the time the client enters
the advisory relationship. Therefore, advisory fees will differ amongst clients.

Item 7 - Types of Clients
FPH provides its services primarily to individuals, families, and small businesses FPH. FPH does not
serve institutional investors such as pension funds, endowments, charitable organizations, or hedge
funds. Similarly, FPH does not generally serve the high-net worth or ultra-high net worth market
segments.