HFH Planning Inc

Fees and Compensation
      Description
      HFH PLANNING INC. bases its fees on hourly charges for Financial Plan
      Development, fixed fees based on a client’s net worth and gross income for
      Ongoing Planning and Advisory Services, and fees based on market value of
      assets for Investment Advisory Services.
      Financial Plan Development:
         Initial Fee: $1,080 (3 hours) paid upon signing agreement.
         Subsequently: $360 per hour, billed monthly.
         Subsequent Fees: $360 per hour for implementation, billed monthly.

      Ongoing Planning and Advisory Services:
       Net Worth + Gross Income:                                          Annual Fee %
       $0 to $1,000,000                                                       0.60%
       Next $1,000,000                                                        0.50%
        Thereafter                                                            0.30%
      Subject to a minimum annual fee of $4,800.

      Investment Advisory Services:
       Market Value of Assets:                                            Annual Fee %
       $0 to $500,000                                                         1.00%
       Next $500,000                                                          0.90%
       Thereafter                                                             0.65%

      Fees are negotiable. HFH PLANNING INC., in its sole discretion, may waive
      its minimum fee and/or charge a lesser fee. Because we feel that all people,
      regardless of net worth, deserve financial planning assistance we will reduce
      fees for clients whose assets and/or income is limited.

      Fee Billing
      Fees for financial plans for the first 3 hours are paid upon signing the
      agreement, with the balance billed monthly, in arrears, meaning that we
      invoice you after the month billing period has ended for the hours spent
      working on the financial plan. Payment in full is expected upon invoice
      presentation. Fees are usually deducted from a designated client account to
      facilitate billing. The client must consent in advance to direct debiting of their
      investment account.

                                HFH PLANNING INC.

Annual fees for Ongoing Planning and Advisory Services are calculated at
inception of the agreement, and then billed either monthly, quarterly or
annually in advance as agreed to by the client and HFH Planning. The annual
fee is recalculated every two years. The sub-advisor manager’s advisory fee
is payable, in addition to HFH Planning’s fee, and is debited separately by the
custodian and paid to the sub-advisor. All fee arrangements are fully
disclosed to the client in the sub advisor’s advisory agreement.

Fees for Investment Advisory Services are billed monthly, quarterly or
annually in advance, based on the market value of the assets on the last
business day of the previous month (if monthly), quarter (if quarterly) or year
(if annually), as agreed to by the client and HFH Planning. The subadvisor
manager(s)advisory fee is payable, in addition to HFH Planning’s fee, and is
debited separately by the custodian and paid to the sub-advisor. All fee
arrangements are fully disclosed to the client.

Other Fees
Custodians may charge transaction fees on purchases or sales of certain
mutual funds and exchange-traded funds. These transaction charges are
usually incidental to the purchase or sale of a security. The selection of the
security or fund is more important than the nominal fee that the custodian
charges to buy or sell the security.

Expense Ratios
Mutual funds and exchange traded funds (ETFs) generally charge a
management fee for their services as investment managers. The
management fee is called an expense ratio. For example, an expense ratio of
0.50 means that the fund company charges 0.5% (50 basis points) for their
services. These fees are in addition to the fees paid to HFH PLANNING INC.
Performance figures quoted by fund companies in various publications are
after their fees have been deducted.

Past Due Accounts and Termination of Agreement
HFH PLANNING INC. reserves the right to stop work on any account that is
more than 30 days overdue. In addition, we reserve the right to terminate any
financial planning engagement where a client has willfully concealed or has
refused to provide pertinent information about financial situations when
necessary and appropriate, in our judgment, to provide proper financial
advice. In the unusual situation where there are unused fees, those fees will
be refunded within 15 days.

                         HFH PLANNING INC.

       Retirement Rollover Conflicts of Interest Disclosure
       When we recommend you rollover a retirement account for us to manage, this
       creates a financial incentive because we charge a fee for our services. We
       attempt to mitigate the conflict of interest by acting in your best interest and
       applying an impartial conduct standard to all rollovers. Please note that you
       are not under any obligation to roll over a retirement account to an account
       managed by us.

Types of Clients
       Description
       HFH PLANNING INC. generally provides investment advice to individuals.
       We work with individuals of all levels of wealth and may have clients with
       negative net worth.
       Client relationships vary in scope and length of service.

       Account Minimums
       There is no minimum account size for assets under management.
       Clients receive ongoing asset management services regardless of the size of
       their account or where the assets are held.

Methods of Analysis, Investment Strategies and Risk of Loss