Mindful Asset Planning LLC

Fees and Compensation
   Description
       Planning fees are based either on a sliding scale percentage of supervised
       assets, or a flat fee based on services provided, or hourly based on hours or
       extent of financial planning services needed for special projects.

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    Comprehensive Financial Planning
    Financial planning fees for Comprehensive Financial Planning are calculated
    on a sliding scale formula based on supervised assets and a fee rate ranging
    from .3% to 1.5% which decreases as assets increase, or as a flat fee for all
    planning services as agreed. The rate/amount is detailed in each client’s
    service agreement. Initial one-time fee for plan evaluation is $1,500/couple or
    $1,000/individual (plus $500/business), or as agreed. Supervised assets can
    be defined as total assets, investable assets, net assets, certain types of
    assets, or anticipated additional assets. These are specified and agreed at
    initiation and at updates of the agreement. Each clients fee arrangement
    remains in effect until mutually adjusted
    Planning Fundamentals
    An ongoing specified fee for Planning Fundamentals is determined based on
    the complexity of financial planning needs and is based on a combination of
    gross income, anticipated future earning capacity, current type and number of
    accounts and supervised assets, and scope of recommendations needed to
    address the applicable planning topics. The fee is a fixed flat fee as mutually
    agreed and is less than the amount typically charged for comprehensive
    planning. It is applied quarterly, annually, or other, as mutually agreed.
    Fundamental plans typically evolve into Comprehensive Plans over time as
    planning complexity and advice/service needs increase in later life stages.
    Special Projects and Services
    Special Projects involve specific services such as financial analysis,
    coaching, counseling, or consultation for family or business planning, estate
    planning, gifting arrangements, financial or investment portfolio analysis, cash
    flow analysis, or risk assessment. These are billed at the standard hourly rate.
    Estimates are provided for the project but the nature of the work often
    includes evolving variables so estimates are not guaranteed.
    Investment Supervision Services
    When investment supervision is provided as a stand-alone service due to a
    special situation, it is billed at the regular financial planning sliding scale rate
    relative to supervised assets, or at a flat rate as agreed. Variations may be
    negotiated at a different rate if specialized investment managers appropriate
    for the specific situation are utilized. These optional specialized services add
    layers of analysis, resources and reporting that may add value to the client
    experience and results. The services are identified and recommended by
    MAP and the client approves the terms and ongoing relationship.

Fee Billing
    Planning fees are calculated quarterly and assessed in advance and are
    based on supervised assets or are flat amounts as agreed. Fees are prorated
    in the initial quarter or from a specific date as agreed. A fee calculation and
    paid confirmation is sent to the client with each billing. Hourly fees are billed

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       as a block of hours or as accrued. Fees can be paid from specified accounts
       as agreed or paid directly by the client.

   Other Fees
       Mutual funds, exchange traded funds and other packaged securities generally
       charge a management fee to shareholders for their service as investment
       managers and this fee is included in the overall expense ratio disclosed in the
       sponsor reports. Some mutual fund purchases or redemptions may be
       assessed a transaction fee by the custodian/sponsor. If overlay investment
       managers are engaged, management fees for their services are disclosed
       and are withdrawn from each account. These fees are specified and agreed
       in advance and are in addition to the fees paid by the client to MAP for
       financial planning and supervision.

   Termination of Agreement
       See the Termination of Agreement section in the Advisory Business Financial
       Planning Agreement page 3 above for fee calculation method at termination.
       MAP may terminate any financial planning agreement where a client has
       willfully concealed or refused or neglected to provide pertinent information
       necessary to provide proper financial advice. If a client elects to transfer
       accounts to another custodian or entity, an account termination fee may be
       assessed by the custodian.

   No Compensation for Purchase of Financial Products
       MAP does not receive commissions or other service fees based on the
       client’s purchase of any financial product or service from any source. MAP
       does not sell annuities, insurance, stocks, bonds, mutual funds, limited
       partnerships, or other financial products. No commissions in any form are
       accepted. MAP’s compensation is solely from fees paid directly by clients.

Types of Clients
   Description
       MAP provides financial advice to individuals, families, trusts and estates,
       charitable organizations, and small business retirement or benefit plans
       (which are usually for these same individuals, families, or entities). Client
       relationships vary in scope and length of service. MAP does not impose a
       minimum amount of assets for maintaining a client relationship.

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Methods of Analysis, Investment Strategies and Risk of Loss