Lifecycle Financial Planners Inc

Item 5: Fees and Compensation

A. Fee Schedule

Financial Planning Fees
Lifecycle Financial Planners is a fee-only financial advisory firm and is compensated solely by
fees paid directly by the client. We do not accept commissions or compensation from any other
source and believe there is a significant "conflict of interest" if an advisor stands to gain
financially from the purchase of any product he or she recommends to the client, how assets are
held, or the location of investable assets. At Lifecycle Financial Planners our compensation is
not contingent on the outcome of any transaction where the client is relying on our counsel.
There is no minimum requirement for net worth or account size, as we believe that anyone who
values unbiased advice should have access to our programs.

Lifecycle Financial Planners provides financial planning and investment advisory services in
some cases for a fixed annual fee. Our schedule is as follows:

Financial Assessment                       ......       $1,850 - $2,850. Payable ½ upon submission
                                                        of materials and ½ at meeting;
                                                        nonrefundable.

CORE Retainers

CORE Wealth Building Retainer                           $10,000 - $50,000.

CORE Wealth Management Retainer                         $20,000 - $200,000.

     ............................................       Fee based on net marketable assets, income,
                                                        complexity, time required, responsibility
                                                        assumed, and value added. Payable at
                                                        terms elected by client: quarterly, annually,
                                                        or in advance annually if requested by
                                                        client.

Limited Retainers

Financial Life Transition Retainers                     $10,000 - $50,000. Payable at terms elected
                                                        by client: monthly, quarterly, annually, or in
                                                        advance annually if requested by client.

Intergenerational Retainers                             $5,000 - $10,000.

Project Retainers                ...............        $5,500 - $10,000.

.................................................       Payable at terms elected by client: monthly,
                                                        quarterly, annually, or in advance annually
                                                        if requested by client.

B. Payment of Fees

All advisory fees are paid via check or credit card or may be withdrawn directly from the client’s
accounts with client’s written authorization. Fees are charged in advance and paid annually,
quarterly or monthly.

Fees are negotiable under certain circumstances and refunds are available when requested in
writing for unused portion. Lifecycle Financial Planners, Inc. reserves the right to stop work on
any account that is unpaid.

Clients may terminate the agreement without penalty, for full refund of Lifecycle Financial
Planners’ fees, within five business days of signing the Financial Planning Retainer Agreement
upon written notice. Either the client or Lifecycle Financial Planners may terminate an
engagement at any time, without penalty, upon written notice. In addition, Lifecycle Financial

Planners reserves 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 Lifecycle Financial Planners’ judgment, to providing proper
financial and tax advice.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees, brokerage fees,
mutual fund fees, transaction fees including bond mark-up fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by Lifecycle Financial Planners. Please see Item 12 of
this brochure regarding broker-dealer/custodian.

Lifecycle Financial may use the services of a third party as a sub-advisor or for back office
support. One provider that may be used for some client accounts is Asset Dedication LLC, a third
party registered investment advisory firm that provides investment management, administrative
support and back office services. For accounts using Asset Dedication, a range of .13-.18 percent
may be charged as an administrative fee directly to such account.

D. Prepayment of Fees

Fixed fees that are collected in advance will be refunded based on the prorated amount of work
completed at the point of termination. Refunds for fees paid in advance will be returned within
thirty days to the client via check, or return deposit back into the client’s account.

E. Outside Compensation For the Sale of Securities to Clients

Neither Lifecycle Financial Planners nor its supervised persons accept any compensation for the
sale of investment products, including asset-based sales charges or service fees from the sale of
mutual funds.

Item 7: Types of Clients

Lifecycle Financial Planners serves individuals, families, small businesses, trusts, estates and
charitable organizations and does not impose minimums in accounts as a provision of
providing financial planning and/or investment advisory services.