Investments & Financial Planning LLC

Item 5 Fees and Compensation
Portfolio Management Services
Our annual fee for portfolio management services is up to 1.00% of the market value of your assets under our
management. These fees are negotiable, depending on individual client circumstances. Since the assets will be
held directly with the mutual fund company, all assets in each of your account(s) are included in the fee
assessment. The mutual fund share class we use through American Funds does not include 12b-1 fees. You will,
however, be required to pay standard custodial and account maintenance fees, please refer to American Funds
account opening paperwork for additional information.

Our annual portfolio management fee is calculated quarterly on the last business day of February, May, August,
and November. The fee is calculated by American Funds based on the average daily net assets value (“NAV”) of
assets invested during the quarter. Fees are billed and payable quarterly in arrears in the months of March, June,
September, and December. For example, the fee for the period covering December, January and February will be
calculated on the last business day of February. You will be billed and the fee will be deducted from your account
in the first week of March. American Funds is responsible for billing and deducting the quarterly fee from your
account and will pay our firm directly.

You may terminate the portfolio management agreement upon written notice to our firm. You will incur a pro-
rata charge for services rendered prior to the termination of the portfolio management agreement, which means
you will incur advisory fees only in proportion to the number of days in the quarter for which you are a client.
Please refer to American Funds’ agreement for information on how to terminate the account directly with
American Funds.

Pontera
When advising individuals on employee benefit plans pursuant to ERISA, we will utilize a platform called
Pontera. Pontera will directly charge us for use of their platform. Fees paid by us to Pontera do not increase your
management fee. Your normal advisory fee for the accounts held at Pontera will be billed and payable monthly
in advance, based on the previous month's average daily balance.

As it is impossible to directly debit your asset-based advisory fees from qualified accounts (as defined below in

Item 7 Types of Clients
We offer investment advisory services to individuals, including high net worth individuals, and charitable
organizations.

In general, we do not require a minimum dollar amount to open and maintain an advisory account; however, we
will recommend terminating your account with us if we believe your account is too small to be managed by us
effectively.