Hoxton Planning & Management LLC

Item 5. Fees and Compensation

   Hoxton Planning & Management offers services on a fee basis, which includes fixed and/or hourly fees, as
   well as fees based upon assets under management. Additionally, certain of the Firm’s Supervised Persons,
   in their individual capacities, offer insurance products under a separate commission-based arrangement.

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Disclosure
  Disclosure
           Brochure
             Brochure                                                                             February 2026
     Item 1: Cover Page
   Financial Planning and Consulting Fees

   Hoxton Planning & Management charges a fixed fee for providing financial planning and consulting
   services under a stand-alone engagement. For the first year, the firm charges an initial fee of $3,500 or
   more and a minimum of $2,500 annually thereafter. These fees are negotiable at the firm’s discretion. The
   fee can be for a defined project, such as the delivery of a plan, or for ongoing services. For non-ongoing
   Financial Planning, the Firm charges $350 per hour. If the client engages the Firm for additional
   investment advisory services, Hoxton Planning & Management can offset all or a portion of its fees for
   those services based upon the amount paid for the financial planning and/or consulting services.

   The terms and conditions of the financial planning and/or consulting engagement are set forth in the
   Advisory Agreement. For project-based services Hoxton Planning & Management requires one-half of the
   fee (estimated hourly or fixed) payable upon execution of the Advisory Agreement. The outstanding
   balance is due upon delivery of the financial plan or completion of the agreed upon services. Ongoing
   services are charged as described in the investment management section, below. The Firm does not,
   however, take receipt of $1,200 or more in prepaid fees, six or more months in advance of services
   rendered.

   Wealth Management Fees

   Hoxton Planning & Management offers wealth management services for an annual fee based on the
   amount of assets under the Firm’s management. Fees for individually managed accounts (including
   separate accounts of insurance products purchased through DPL as disclosed in Item 4 above) are priced
   within a range of .5% to 1.50% depending upon the amount of the assets in the account, the complexity of
   the financial plan and the advisory services necessary for the particular Client. The asset management fee
   will be determined at the time of the advisory agreement.

                                Portfolio Value                                             Annual Fee
                                First $350,000                                               1.50%
                          From $350,001 - $1,000,000                                         1.25%
                         From $1,000,001 - $2,000,000                                        1.00%
                            $2,000,001 - $5,000,000                                          0.75%
                                 $5,000,001 +                                                0.50%

   The annual fee is prorated and charged quarterly, in advance, based upon the market value of the assets
   being managed by Hoxton Planning & Management on the last day of the previous quarter as determined
   by a party independent from the Firm (including the client’s custodian or another third-party).

   If assets are deposited into or withdrawn from an account after the inception of a billing period, the fee
   payable with respect to such assets is adjusted to reflect the interim change in portfolio value. For the
   initial period of an engagement, the fee is calculated on a pro rata basis. In the event the advisory
   agreement is terminated, the fee for the final billing period is prorated through the effective date of the
   termination and the outstanding or unearned portion of the fee is charged or refunded to the client, as
   appropriate.

   Additionally, for asset management services the Firm provides with respect to certain client holdings (e.g.,

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Disclosure
  Disclosure
           Brochure
             Brochure                                                                           February 2026
     Item 1: Cover Page
   held-away assets, accommodation accounts, alternative investments, etc.), Hoxton Planning &
   Management can negotiate a fee rate that differs from the range set forth above. Clients are advised that a
   conflict of interest exists for the Firm to recommend that clients engage Hoxton Planning & Management
   for additional services for compensation, including rolling over retirement accounts or moving other assets
   to the Firm’s management. Clients retain absolute discretion over all decisions regarding engaging the
   Firm and are under no obligation to act upon any of the recommendations.

  Investment Management Fees

   Hoxton Planning & Management offers investment management services for an annual fee based on the
   amount of assets under the Firm’s management. Fees for individually managed accounts (including separate
   accounts of insurance products purchased through DPL as disclosed in Item 4 above) are priced within a
   range of .50% to 1.00% depending upon the amount of the assets in the account, the complexity of the
   financial plan and the advisory services necessary for the particular Client. The asset management fee will
   be determined at the time of the advisory agreement, and is negotiable, at the firm’s discretion.

   This management fee varies in accordance with the following blended fee schedule:

                                    Assets                                                 Annual Fee
                              First $2,000,000                                              1.00%
                         From $2,000,000 - 5,000,000                                        0.75%
...

Item 7. Types of Clients

  Hoxton Planning & Management offers services to individuals, trusts, estates, charitable organizations,
  state or municipal government entities, corporations, and other business entities.

  We require a minimum of $500,000 assets under management for our Investment Management Services
  and require a minimum of $350,000 assets under management for Wealth Management Services. We may
  waive both of the minimum assets under management requirement at our discretion.