NorthStar Financial Planning LLC

Item 5 Fees and Compensation
Description

For Wealth Management Services and Stand-Alone Investment Management Services, Northstar
Financial Planning, LLC charges a fee based on a percentage of the assets under our management.
The following is the Northstar Financial Planning, LLC standard fee schedule:

       Client Assets Under Management                     Fee for Wealth Management1,2
                  $0 to $500,000                                   1.25% per year
              $500,001 to $2,000,000                               1.00% per year
            $2,000,001 to $5,000,000                               0.80% per year
              $5,000,001 and above                                 0.50% per year

  Client Assets Under Management             Fee for Stand-Alone Investment Management
            Up to $5,000,000                                  0.75% per year
       $5,000,001 to $10,000,000                              0.60% per year
           Over $10,000,000                                   0.50% per year

The specific fee schedule charged by Northstar Financial Planning, LLC will be outlined in the client's
written wealth management/investment management agreement. Fee schedules may be negotiable
and will vary between clients based on a number of factors such as the client's assets under
management, scope of services to be provided, or the origin of the client relationship.

1The   minimum annual fee is $7,500 which may be reduced in our discretion.

2Should  there be an initial transition phase during which we are providing financial and life planning
services but are not yet managing your investments, we will charge you a minimum quarterly fee of
$1,875.00.

1,2Aftersome or all of your investment accounts have been transferred to the custodian of your
account, we will calculate your pro-rated quarterly fee and any increment of your fee greater than
the $1,875.00 minimum quarterly fee already paid will be deducted directly from your account. Assets
may be transferred in to our Custodian and arrive before our analysis of your financial situation is
completed. If we have not yet agreed upon an investment strategy for your assets, your account will
remain in cash or in the holdings transferred in to your account.

If we provide investment recommendations on assets held in Employer Plans and include these assets
on your performance reporting, you will be responsible for the execution of the investment
recommendations. We will include these assets in our quarterly billing and charge a flat 0.50% per
year on the total.

Fees will be assessed pro rata in the event the client agreement is executed at any time other than the
first day of a calendar quarter.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts.

For Financial Life Planning Services, our fees are due and payable quarterly in advance unless
otherwise agreed upon. Our fees for Financial Life Planning Services range between $7,500 and
$10,000 which may be a one time fee or an annual fee for ongoing services. Our Financial Life
Planning fees are negotiable based on the degree of complexity associated with the client's situation.

In the event the client's situation is substantially different than disclosed at the initial meeting, a revised
fee will be provided for mutual agreement. The client must approve the change of scope in advance of
the additional work being performed when a fee increase is necessary.

Fee Billing
Wealth Management/Investment Management fees are billed quarterly, in advance based on the value
of the client's account on the last day of the previous quarter. Fees are usually deducted from a
designated client account to facilitate billing, however clients have the option to pay our fees directly
upon invoice.

We will deduct our advisory fee only when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian.
    • We send you an invoice showing the amount of the fee, the value of the assets on which the
      fee is based, and the specific manner in which the fee was calculated.
    • The qualified custodian agrees to send you a statement, at least quarterly, indicating all

       amounts dispersed from your account including the amount of the advisory fee paid directly to
       our firm.

Other Fees
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and exchange traded funds. We will invest your account, when suitable, in no load
mutual funds. The fees that you pay to our firm for investment advisory services are separate and
distinct from the fees and expenses charged by mutual funds or exchange traded funds (described in
each fund's prospectus) to their shareholders. These fees will generally include a management fee and
other fund expenses. You will also incur transaction charges and/or brokerage fees when purchasing
or selling securities. These charges and fees are typically imposed by the broker-dealer or custodian
through whom your account transactions are executed. We do not share in any portion of the
brokerage fees/transaction charges imposed by the broker-dealer or custodian. To fully understand the
total cost you will incur, you should review all the fees charged by mutual funds, exchange traded
funds, our firm, and others. For information on our brokerage practices, please refer to the Brokerage
Practices section of this Brochure.

Past Due Accounts and Termination of Agreement
Northstar Financial Planning, LLC reserves the right to stop work on any account that is not settled on
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Item 7 Types of Clients
Description
Northstar Financial Planning, LLC generally provides investment advice to individuals, pension and
profit sharing plans, trusts, estates, or charitable organizations, corporations and business entities.

Client relationships vary in scope and length of service.

Account Minimums
We generally impose a minimum account size and minimum annual fee of $500,000 and $7,500,
respectively, for Wealth Management/Investment Management Services.

Northstar Financial Planning, LLC has the discretion to waive the account minimum where we
anticipate the client will add additional funds to the accounts bringing the total to $500,000 within a
reasonable time. Other exceptions will apply to employees of Northstar Financial Planning, LLC and
their relatives, or relatives of existing clients.