Five Speed Financial Planning LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 SFG offers discretionary direct asset management services to advisory Clients. SFG charges
 an annual investment advisory fee based on the total assets under management as follows:
        Assets Under Management               Annual Fee                 Quarterly Fee
          $250,000 to $499,999                  1.25%                       .313%
          $500,000 to $999,999                  1.00%                       .250%
              $1M - $2.99M                      0.85%                       .213%
                  $3M                           0.75%                       .188%
   This is a flat rate/breakpoint fee schedule, the entire portfolio is charged the same asset
   management fee. For example, a Client with $750,000 under management would pay
   $7,500 on an annual basis. $750,000 x 1.00% = $7,500.
 The annual fee is negotiable based upon certain criteria (e.g., historical relationship, type of
 assets, anticipated future earning capacity, anticipated future additional assets, dollar
 amounts of assets to be managed, related accounts, account composition, negotiations with
 Clients, etc.). SFG considers cash to be an asset class, and as such is included in fee
 calculations. Also, to be noted, at times fees will exceed the money market yield. Fees are
 billed quarterly in advance based on the amount of assets managed as of the close of business
 on the last business day of the previous quarter. If the Account does not contain sufficient
 funds to pay advisory fees, SFG has authority to sell or redeem securities in sufficient
 amounts to pay advisory fees.
 Lower fees for comparable services may be available from other sources. Clients may
 terminate their account within five (5) business days of signing the Investment Advisory
 Agreement with no obligation and without penalty. After the initial five (5) business days,
 the agreement may be terminated by SFG with thirty (30) days written notice to Client and
 by the Client at any time with written notice to SFG. If cash and/or securities are deposited
 into or withdrawn from an existing account mid billing period a prorated fee will be charged
 for that portion of the account. For accounts opened or closed mid-billing period, fees will be
 prorated based on the days services are provided during the given period. All unpaid earned
 fees will be due to SFG. Additionally, all unearned fees will be refunded to the Client. Client
 shall be given thirty (30) days prior written notice of any increase in fees. Any increase in
 fees will be acknowledged in writing by both parties before any increase in said fees occurs.
 FINANCIAL PLANNING AND CONSULTING
 SFG charges a fixed fee based on complexity and unique Client needs for financial planning.
 Prior to the planning process the Client will be provided an estimated plan fee.
       FIXED FEES
 Financial Planning Services are offered based on a flat fee with a maximum of $25,000.
 Fees for financial plans are due at commencement of the Financial Planning agreement. In
 certain cases, fees for financial plans may be billed 50% in advance with the balance due
 upon plan delivery.

 Services are completed and delivered inside of six (6) months contingent upon timely
 delivery of all required documentation. Client may cancel within five (5) business days of
 signing Agreement with no obligation and without penalty. If the Client cancels after five
 (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned
 fees will be due to SFG. SFG reserves the right to waive the fee should the Client implement
 the plan through SFG.
Client Payment of Fees
 Fees for asset management services are:
     •   Deducted from a designated Client account. The Client must consent in advance to
         direct debiting of their investment account.
 Fees for financial plans will be billed:
     •   Check – to be remitted by Client to SFG
     •   Deducted from a non-qualified account managed by SFG
     •   Electronic Payment via ACH, Debit Card, or Credit Card (fees will be paid via a third
         party payment processor in which the client will securely input payment information
         and pay the advisory fee through a secure portal. SFG will not have continuous access
         to the Client’s banking information.)
Additional Client Fees Charged
 Custodians may charge transaction fees and other related costs on the purchases or sales of
 mutual funds, equities, bonds, options and exchange-traded funds. Mutual funds, money
 market funds and exchange-traded funds also charge internal management fees, which are
 disclosed in the fund’s prospectus. SFG does not receive any compensation from these fees.
 All of these fees are in addition to the management fee you pay to SFG. For more details on
 the brokerage practices, see Item 12 of this brochure.
Prepayment of Client Fees
 SFG does not require any prepayment of fees of more than $1,200 per Client and six
 months or more in advance.
 Fees for financial plans are billed 50% in advance with the balance due upon plan delivery
 Fees for financial plans are due, in full, at the commencement of the contract.
 Investment management fees are billed monthly/quarterly in advance.
 If the Client cancels after five (5) business days, any unearned fees will be refunded to the
 Client, or any unpaid earned fees will be due to SFG.
External Compensation for the Sale of Securities to Clients
 Some Investment Advisor Representatives of SFG receive external compensation from sales
 of investment related products such as insurance as licensed insurance agents. This
 represents a conflict of interest because it gives an incentive to recommend products based
 on the commission received. This conflict is mitigated by disclosures, procedures, and SFG’s
 fiduciary obligation to place the best interest of the Client first and Clients are not required
...

Item 7: Types of Clients
Description
 SFG generally provides investment advice to individuals, high net worth individuals, trusts,
 estates, or charitable organizations, corporations or business entities. Client relationships
 vary in scope and length of service.
Account Minimums
 SFG requires a minimum of $250,000 to open and maintain an account. In certain instances,
 the minimum account size may be lowered or waived.