Northeast Planning Associates Inc

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by NPA.
Each Client shall sign a financial planning agreement with NPA that details the responsibilities of NPA and the
Client.

A. Fees for Advisory Services
Financial Planning Services
NPA’s financial planning fee will be a fixed fee, hourly fee, or annual retainer, depending on the scope of the
services provided.

    •    Fixed Fees: Fixed fees for financial planning generally do not exceed $25,000, depending on the scope,
         the complexity, and the experience level of the IAR providing the contracted services. There may be
         extraordinary circumstances, which require a fee greater than $25,000. NPA typically requires that
         Clients make an initial payment of up to fifty percent (50%) of the negotiated fee upon acceptance of the
         agreement and in advance of providing services. The remaining balance is due on completion of the
         contracted services. Under such arrangements, we will have earned fifty percent (50%) of the retainer
         after the initial interview and fifty percent (50%) upon presentation of the written plan.
                                           Northeast Planning Associates, Inc.
                                          43 Constitution Drive, Bedford, NH 03110
                                        Phone: (603) 471-0900 * Fax: (603) 471-0471
Page 5                                          http://northeastplanning.com

    •    Hourly Fees: Hourly fees generally range between $100 and $500 per hour, depending on the scope,
         the complexity, and the experience level of the IAR providing the contracted services. NPA typically
         requires that Clients make an initial payment of up to fifty percent (50%) of the estimated total fee upon
         acceptance of the agreement and in advance of providing services. The remaining balance is due on
         completion of the contracted services.

    •    Annual Retainer: Financial planning services may be offered as part of an annual retainer program.
         The annual retainer may apply at the inception of the advisory relationship. Under such arrangements,
         the fees generally range between $500 and $25,000 annually. Fees are negotiated and agreed upon in
         advance on a case-by-case basis.

NPA does not accept advance payment of $1,200 or more for services expected to be completed six (6) months
or more in advance.

In its sole discretion, NPA may waive its financial planning fees. This is usually based upon the particular facts and
circumstances of a client situation potentially including situations where an IAR of NPA may earn commissions or
advisory fees, in their separate capacity with LPL Financial.

Retirement Plan Advisory Services
NPA offers retirement plan advisory services on either a fixed fee basis ranging from up to $25,000 or an hourly
basis from $100 to $500, per hour. Fees will be determined on the nature and complexity of each Client’s
circumstances. As part of the agreement, NPA may also be engaged for ongoing planning support payable
through a quarterly fee. Annual fees are charged a fixed fee ranging from $500 to $25,000 which will be based
on the complexity of services, frequency of Client interactions and other factors. Retirement plan advisory fees
are negotiable at the sole discretion of NPA. NPA will provide the Client with an estimate for total costs prior to
engaging NPA. Fees are negotiable depending on the size and complexity of the Plan.

Wealth Management Software
The subscription fee for wealth management software is paid monthly, at the end of each month, pursuant to the
terms of the subscription agreement. The subscription fee is charged at a rate of up to $100 per month and is
based off the features to be utilized and the overall relationship with the Client. Fees are negotiable at the sole
discretion of NPA.

B. Fee Billing
Financial Planning Services
Financial planning fees may be invoiced up to 50% upon execution of the agreement with the balance due upon
receipt of the agreed upon deliverable[s]. Additional terms are described in Item 5.A. above.

Retirement Plan Advisory Services
Retirement plan advisory fees may be invoiced directly to the Plan Sponsor or the Plan Participants, pursuant to the
terms of the retirement plan advisory agreement.

Wealth Management Software
Subscription fees are invoiced at the end of each month and are due upon receipt.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than NPA, in connection with investments
made on behalf of the Client’s account[s]. For Clients that engage NPA for investment management services,
NPA’s fees may also include Covered Costs as part of its overall investment advisory fees. Please see Item 4.D.
above.

All fees paid to NPA for advisory and financial planning services are separate and distinct from the expenses
charged by mutual funds and exchange-traded funds (“ETFs”) funds to their shareholders, if applicable. These fees
and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay

                                           Northeast Planning Associates, Inc.
                                          43 Constitution Drive, Bedford, NH 03110
                                        Phone: (603) 471-0900 * Fax: (603) 471-0471
Page 6                                          http://northeastplanning.com

management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account
reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the
services of NPA, but would not receive the services provided by NPA which are designed, among other things, to
...

Item 7 – Types of Clients
NPA offers investment advisory services to individuals, high net worth individuals, trusts, estates, and retirement
plans. The amount of each type of Client is available on NPA's Form ADV Part 1A. These amounts will change
over time and are updated at least annually by NPA. NPA generally does not impose a minimum relationship
size.