Luesink Financial Planning LLC

Item 5.          Fees and Compensation

     Financial Planning Fees
Holistic financial planning services are available at a fixed fee or an hourly fee that will not exceed $700.00
per hour. For the preparation of a Financial Plan a fixed fee is quoted based on the complexity of the
client’s financial situation and on the client's financial issues to be addressed. Upon the client’s request, if
there are additional financial issues to be addressed, that take more time than previously estimated, we will
inform about additional costs. The minimum fee for an Integrated Holistic Financial Plan is $8,000.

At the first meeting a pre-payment of one third of the fee is due and the remainder will be paid in
installments, the last payment is due at the presentation of the plan. For Financial Advisory Services that
are limited in scope a fee will be quoted on basis of a time estimate with a minimum fee of $2,500.

     Wealth Management Fees
For clients seeking ongoing wealth management advisory support, we offer the “Grow Your Wealth”
Subscription Service. This service includes annual monitoring of the financial plan, guidance on
implementing recommendations, regular review of investment accounts, and ongoing access to the advisor
for questions as they arise. Fees are based on the complexity of the financial situation and the time
required, with a minimum of $2,000 per quarter. Services are also available on an hourly basis if preferred.

Investment Management Fees
Fee Schedule - Fees Billed Quarterly in Arrears
First $1,000,000                                   1.0% per year
$1,000,001 -$5,000,000                             0.75% per year
$5,000,001 and above                               0.60% per year
Minimum Fee for investment management is           $10,000 ($2,500 per Quarter).

Assets held in an employer retirement account (i.e., 401K, 403b and the like) can be managed on a
discretionary basis if the plan allows. The fee for managing these assets will be 0.5%-1% per year; the fee
will reflect the complexity of managing the plan. The plan sponsor(s) permits a restricted universe of
investments accessible to the participant.

Included in the Investment Management Fees are on-going wealth management services, such as assisting
in the implementation of the financial plan and an annual financial plan update.

Fee Billing
Fees are billed quarterly in arrears and they are based on the market value of the account(s) as of the last
day of the prior quarter. The minimum quarterly fee is $ 2,500. Fees will be prorated for clients entering or
exiting LSF’s services intra-quarter. The client will provide written authorization for the fees to be debited
directly from the client’s brokerage account, unless the client negotiates a different arrangement.

Other Fees and Expenses
In addition to the above fees charged for LSF’s services, each mutual fund, index fund or exchange traded
fund charges on-going management fees for the operations of the fund. This fee is called the ‘expense ratio’
and is deducted within the fund itself. These management fees should not be confused with “loads” or
commissions.
The client might also pay transaction fees to the brokerage firm for purchases and sales of mutual funds,
index funds and/or exchange traded funds.

LSF does not receive any compensation, either directly or indirectly, from mutual funds, brokerage firms, or
any source other than from the fees paid by clients. Neither LSF nor any person associated with LSF
receives any compensation for the sale of securities or other investment products.

Miscellaneous

Retirement Plan Rollovers: No Obligation / Potential for Conflict of Interest.
A client or prospective client leaving an employer typically has four options regarding an existing retirement
plan (and could engage in a combination of these options): (i) leave the money in the former employer’s
plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are
permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which
could, depending upon the client’s age, result in adverse tax consequences). If LSF recommends that a
client roll over their retirement plan assets into an account to be managed by LSF, such a recommendation
creates a conflict of interest if LSF will earn an advisory fee on the rolled over assets. LSF operates under a
special rule that requires that we act in the client’s best interest and not put our interest ahead of the
client’s. Under this special rule’s provisions, LSF must: (i) meet a professional standard of care when
making investment recommendations (give prudent advice); (ii) not put our financial interests ahead of the
client’s when making recommendations (give loyal advice); (iii) avoid misleading statements about conflicts
of interest, fees, and investments; (iv) follow policies and procedures designed to ensure that we give
advice that is in the client’s best interest; (v) charge no more than is reasonable for their services; and (vi)
give the client basic information about conflicts of interest.
No client is under any obligation to roll over retirement plan assets to an account managed by LSF.

Separately Managed Account Programs and Independent Managers.
For certain eligible clients, LSF allocates (and/or recommends that the client allocate) a portion of a client’s
investment assets among unaffiliated Separately Managed Account Programs “SMAs” and/or independent
investment managers in accordance with the client’s designated investment objective(s). In such situations,
the SMAs or Independent Manager(s) shall have day-to-day responsibility for the active discretionary
management of the allocated assets. LSF shall continue to render investment advisory services to the client
relative to the ongoing monitoring and review of account performance, asset allocation and client
...

Item 7.         Types of Clients

LSF works with individuals, high net worth individuals, small businesses, families and trust and estates.

LSF does not require a minimum account size, but the minimum annual fee for investment management is
$10,000 or $2,500 each quarter.