Northbrook Financial Planning LLC

Item 5: Fees and Compensation
Please note, unless a Client has received the firm’s Disclosure Brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the Client within five (5)
business days of signing the contract without incurring any advisory fees. How we are paid depends on the type of
advisory service we are performing. Please review the fee and compensation information below. Lower fees may
be available for the same or similar services.

           1340 Smith Avenue, Suite 200 Baltimore, MD 21209 │ www.northbrookfinancial.com

Northbrook Financial Planning, LLC Form ADV Part 2A May 18, 2026​ ​                              Page | 9

Investment Management Services
Our standard advisory fee is based on the market value of the assets under management and is calculated as
follows:
                      Account Value                                  Annual Advisory Fee
                      $0 - $1,000,000                                        1.00%
                  $1,000,001 - $2,000,000                                    0.75%
                  $2,000,001 and Above                                       0.50%

The annual fees are negotiable and are pro-rated and paid in arrears on a monthly or quarterly basis. The advisory
fee is a blended fee and is based on the average daily balance over the previous billing period. No increase in the
annual fee shall be effective without agreement from the Client by signing a new agreement or amendment to
their current advisory agreement.
Advisory fees are directly debited from Client accounts, or the Client may choose to pay by check. Accounts
initiated or terminated during a calendar quarter will be charged a pro-rated fee based on the amount of time
remaining in the billing period. An account may be terminated with written notice at least 30 calendar days in
advance. Since fees are paid in arrears, no refund will be needed upon termination of the account.

Use of Third Party Managers, Outside Managers, or Sub-Advisors (TAMPs)
The standard advisory fee is based on the market value of the account and is calculated as follows:
                      Account Value                                  Annual Advisory Fee
                      $0 - $1,000,000                                        1.00%
                  $1,000,001 - $2,000,000                                    0.75%
                  $2,000,001 and Above                                       0.50%
The annual fees are negotiable and are pro-rated and paid in arrears on a monthly or quarterly basis, The advisory
fee is a blended fee and is based on the average daily balance over the previous billing period. Altruist calculates
fees based on a daily balance. For example a client with an account value of $500,000 will have a monthly fee of
$424.66, ($500,000 x 1.00%) x (31/365) = $424.66. The daily rate is $13.70, ($424.66/31) = $13.70.

When an Outside Manager is used, the Outside Manager will debit the Client’s account for both the Outside
Manager’s fee, and Northbrook Financial’s advisory fee, and will remit Northbrook Financial’s fee to Northbrook
Financial. The Client will designate which account(s) the advisory fees will be deducted from on the Agreement
with Northbrook Financial. Alternatively, the Client may choose to pay electronic funds transfer or by check.
Please note, the above fee schedule does include the Outside Manager’s fee. No increase in the annual fee shall be
effective without agreement from the Client by signing a new agreement or amendment to their current advisory
agreement.

Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the amount of
time remaining in the billing period. An account may be terminated with written notice at least 30 calendar days
in advance. Since fees are paid in arrears, no refund will be needed upon termination of the account.

          1340 Smith Avenue, Suite 200 Baltimore, MD 21209 │ www.northbrookfinancial.com

Northbrook Financial Planning, LLC Form ADV Part 2A May 18, 2026​ ​                               Page | 10

Ongoing Comprehensive Financial Planning
Ongoing Financial Planning Fees consist of an upfront fee ranging from $200 to $2,000, followed by an ongoing
fee that is paid monthly, in arrears, at the rate of $200 - $5,000 per month. The fee may be negotiable in certain
cases.
The upfront portion of the fee is for Client onboarding, data gathering, and setting the basis for the financial plan.
This work will commence immediately after the fee is paid, and will be completed within the first 30 days of the
date the fee is paid. Therefore, the upfront portion of the fee will not be paid more than 6 months in advance.
Fees for this service may be paid by electronic funds transfer or check. This service may be terminated with 30
days’ notice. In the event of early termination any prepaid but unearned fees will be refunded to the Client and
any completed deliverables of the financial plan will be provided to the Client and no further fees will be charged.

Ongoing Comprehensive Financial Planning & Tax Preparation
Financial planning & tax preparation fee consists of an upfront onboarding fee of $1,000, followed by an annual
fee starting at $3,600 for individuals, and $4,800 for couples that is paid monthly in arrears. The fee is
negotiable, increases with complexity and may require an annual commitment.
Financial planning & tax preparation includes all of the following:
    ●​ New Client onboarding (3-5 meetings)
    ●​ Annual client Meeting (3-5 meetings per year)
    ●​ Annual Tax Return Filing
The upfront portion of the fee is for Client onboarding, data gathering, and setting the basis for the financial
planning & tax preparation. This work will commence immediately after the fee is paid, and will be completed
...

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals and high net-worth individuals.
We do not have a minimum account size requirement.

          1340 Smith Avenue, Suite 200 Baltimore, MD 21209 │ www.northbrookfinancial.com

Northbrook Financial Planning, LLC Form ADV Part 2A May 18, 2026​ ​                             Page | 13