Frisco Financial Planning LLC

Item 5 – Fees and Compensation

FFP is compensated for providing asset management services by charging a fee based on the total
assets advised. The fees and billing will be pre-determined in writing in the client service agreement
executed by you and FFP.

The below ranges are the standard fees typically charged:

                                   Asset Management Fee Schedule
                   First $0 - $1,000,000             1.00%
                   $1,000,001 to 3,000,000           0.85%
                   $3,000,001 to 6,000,000           0.70%
                   All Assets above $6,000,000       0.55%
​        ​
This is a blended fee schedule. This means that the assets in a client’s account will be billed at
different levels according to the fee schedule above.

For example, if a client had an account value of $6,500,000 then the following equation would be
used to calculate their quarterly fee:

First $1,000,000 x 0.0100 = $10,000, plus
Next $2,000,000 x 0.0085 = $17,000, plus
Next $3,000,000 x 0.0070 = $21,000, plus
Remaining $500,000 x 0.0055 = $2,750
Total Annual Rate = $50,750
Charged quarterly = $12,687.50

*FFP maintains a quarterly minimum fee that ranges from $0 to $3,000. The quarterly minimum will
increase each calendar year by 3% in an effort to keep up with inflation and overall firm operating
costs. New clients will pay a start-up fee between $0 and $4,000. FFP does not require a minimum
account size but requires a quarterly minimum fee. In certain circumstances, FFP’s quarterly
minimum fee may be in excess of 3%, which is greater than the industry norm, and the client may
pay lower fees for comparable services from other sources. FFP may waive the quarterly minimum
fees and/or start-up fees at FFP discretion.

FFP's fees on annuity, 529 plan, and held-away accounts are calculated on quarter-ending asset
values with no flow adjustments. All other managed account fees are calculated based on average
daily balances throughout the quarterly period.

Asset management fees are paid quarterly in arrears. Payments are due on the first day of the
calendar quarter and are based on the account’s accrued value as of the last business day of the
prior calendar quarter multiplied by the applicable annual rate and divided by four (4). The fee for

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the prior quarter is billed and payable within ten (10) days after the end of the prior quarter, based
on the accrued value of Client’s account on the last business day of that quarter.

FFP will deduct its asset management fee only when in receipt of your written authorization by
executing a client services agreement permitting the fees to be paid directly from your account. The
qualified custodian will deliver an account statement to you at least quarterly which will show all
disbursements from your account. FFP urges you to review all statements for accuracy. Your account
at the custodian may also be charged for certain additional assets managed for you by FFP but not
held by the custodian (i.e., variable annuities, mutual funds, 401(k)s).

Project planning fees are charged on a “pay as you go” basis and are not prorated. Fees are quoted
in advance and must be accepted by client prior to project commencement. Payment of fee
acknowledges acceptance by client.

FFP’s project consulting fees are based on one or more of the following factors:

    ●​ The number of accounts, positions, and transactions within client’s accounts.
    ●​ The types of securities owned and the value of client’s accounts.
    ●​ The amount of time expended in researching, analyzing and documenting the specific
       recommendation(s) and course(s) of action.
    ●​ The uniqueness of the project as dictated by the level of complexity involved.
    ●​ The familiarity (or lack thereof) between FFP and the client based on previously completed
       projects.
    ●​ The expertise level required of FFP as it pertains to the project; a competitive analysis of
       similar adviser's fees.
    ●​ A competitive analysis of other advisory firm's fees.
    ●​ Net worth, income, or other financial condition metric(s).

Payment is due in full from the client prior to commencement of the planning engagement. The
support period begins on the day the fee is paid.

FFP’s fees for the services offered by FFP are negotiable at FFP's sole discretion and may vary from
client to client. ​

Fees for future services are due at or prior to delivery of recommendations in the amount shown on
the fee quote or invoice. Future fees may vary or change without notice; client is free to accept or
reject Adviser's future fee quotes/invoices and offers of service.

Payment of future fee quotes or invoices binds client to the then current CSA. Client is encouraged
to read the current CSA available on FFP’s website (https://ffplan.com) prior to re-engaging adviser
and prior to paying each fee quote or invoice.

FFP will provide a designated period of follow-up e-mail and phone support stated on the invoice
and/or payment receipt for reasonable questions or clarifications solely related to the scope of the
project. In the event of John Gay's death or incapacity, such follow-up will end with no refund of
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previously paid fees.

The planning engagement and agreement automatically terminate upon expiration​
(unless renewed) or upon the death or incapacity of John Gay. If John Gay's death or incapacity occurs
prior to delivery of recommendations, client will receive a full refund of the current engagement fee. If
John Gay's death or incapacity occurs after delivery of recommendations, no refund will be paid.

Fees paid to Frisco Financial Planning LLC for financial planning and investment advice are
completely separate from the fees and expenses charged by mutual fund companies,
...

Item 7 – Types of Clients

FFP provides fee-only financial planning, investment advice, and asset management services to
individuals, businesses, and trustees (estates, trusts, and pension plans). Advice is limited in scope
based on the client’s unique circumstances. FFP does not require minimums as to income, assets,
net worth, length of engagement, revenues generated, or other conditions for engaging its services.