Golden Gate Personal Financial Planning

Item 5: Fees and Compensation

The fee is a flat rate and is tiered according to the services provided to the client. The tiers
are based on the complexity of the planning need and client situation. Fees and services
include:

                                                                     Base      Base        Base         Base
     Services / Planning Need
                                                                                x2          x3           x4
 •   Comprehensive goals-based financial planning                     ☐         ☐           ☐            ☐
 •   Portfolio design and asset class research                        ☐         ☐           ☐            ☐
 •   Reviews and rebalancing analysis                                 ☐         ☐           ☐            ☐
                                                                      ☐         ☐           ☐            ☐
 •   Investment advice and management
                                                                      ☐         ☐           ☐            ☐
 •   Integration with tax, insurance, and legalplanning
     & allied professionals

 •   First year client relationship                                              ☐              ☐          ☐
 •   Assets $2-5m                                                                ☐              ☐          ☐
 •   Stock grants/options up to $500k value                                      ☐              ☐          ☐
                                                                                 ☐              ☐          ☐
 •   Proprietary company benefits programs
                                                                                 ☐              ☐          ☐
 •   Concentrated real estate holdings

 • Assets $6-10m                                                                                ☐          ☐
 • Stock grants/options $500k-$1m                                                               ☐          ☐
 • Business ownership                                                                           ☐          ☐

 • Assets >$10m                                                                                            ☐
 • Stock grants/options over $1m                                                                           ☐
 • Multi-generational planning                                                                             ☐

     Base Rate: $7,800/year or $1,950/quarter                         x1         x2             x3        x4
     Quarterly fee:                                                $1,950 $3,900           $5,850 $7,800

Other services may be included as required by the client situation depending on the specific
need.

The fee structure is outlined in the firm’s service agreement. Fees are invoiced quarterly at
the end of each quarter. Fees are negotiable at the advisor’s discretion based upon the type
of client, the services requested, the complexity of the client's situation and the relationship
of the client and the investment adviser representative.

For clients who work with the firm on a discretionary basis, the custodian may deduct the
firm's fees from the client’s account on the firm's behalf. These fees are noted on the
custodian’s statements. Client provides written authorization for this disbursement as part of
the discretionary agreement and prior to any fees being paid.

 Form ADV Part 2                                                                                     Page 7 of 15
                               2025 Golden Gate Personal Financial Planning LLC
                               

                   235 Montgomery Street, Suite 1156 • San Francisco, CA 94104 • 415-344-0549

On occasion the firm may work with a client on a single engagement basis, rather than
annual fee. The amount of the fee assessed is defined by the above service tiers. Project fees
for a single engagement require a deposit of 50% of the estimated total cost payable on
signing the contract. The balance is due at completion of the engagement with delivery of the
final financial plan.

Fees are not collected for services to be performed more than six months in advance. The
firm or the client may terminate the agreement within five days of the date of acceptance
without incurring any fees. Subsequently, if either the firm or the client elects to terminate
the engagement prior to completion of services being delivered by the firm, the client will
incur only the pro-rata charge for services rendered prior to termination. Any unearned fees
will be refunded.

Fees paid to the firm are separate and distinct from the fees and expenses charged by mutual
funds and exchange traded funds to their shareholders and/or by the custodian for brokerage
transaction services. These fees and expenses are described in each fund’s prospectus and in
the brokerage account agreement. The firm does not receive any portion of these
commissions, fees, and costs. The firm does not receive compensation attributable to the sale
of a security or other investment or insurance product (e.g., brokerage commissions).

The client may purchase securities recommended by the firm directly from a broker or
mutual fund company.

Item 7. Types of Clients

The firm generally provides its services to individuals (including trusts, estates, 401k plans
and IRAs of individuals) and high net worth individuals. The firm does not require a
minimum of assets for working with clients but does have a fee minimum of $7,800 for
either an annual fee or for a single planning engagement. The firm works with clients on
both a discretionary and non-discretionary basis.