OFC Financial Planning LLC

ITEM 5      FEES AND COMPENSATION

  A. INVESTMENT ADVISORY SERVICES

     If a client determines to engage the Registrant to provide discretionary investment
     advisory services on a fee-only basis, the Registrant’s annual investment advisory
     fee shall be based upon a percentage (%) of the market value and type of assets
     placed under the Registrant’s management (between 0.35% and 1.00%) as
     follows:

            Assets Under                    Annual Percentage
            Management

          $0 - $1,000,000.00                       1.00%

            $1,000,001 to                          0.75%
             $3,000,000

       $3,000,001 - $5,000,000                     0.50%

            Greater than                           0.35%
             $5,000,000

For example, a client placing $1,500,000 under Registrant’s management would
be assessed an annual fee of 1.00% on the first $1,000,000 and 0.75% on the
remaining $500,000.

Registrant's annual investment advisory fee shall include investment advisory
services, and, to the extent specifically requested by the client, financial planning
and consulting services. In the event that the client requires extraordinary planning
and/or consultation services (to be determined in the sole discretion of the
Registrant), the Registrant may determine to charge for such additional services,
the dollar amount of which shall be set forth in a separate written notice to the
client.

Registrant believes that it is important for the client to address financial planning
issues on an ongoing basis. Registrant’s advisory fee, as set forth above, will remain
the same regardless of whether or not the client determines to address financial
planning issues with Registrant.

Registrant, in its sole discretion, may charge a lesser investment advisory fee
and/or charge a flat fee based upon certain criteria (i.e., anticipated future
earning capacity, anticipated future additional assets, dollar amount of assets to
be managed, related accounts, account composition, prior fee schedules,
competition, negotiations with client, etc.).

As result of the above, similarly situated clients could pay different fees. In addition,
similar advisory services may be available from other investment advisers for similar
or lower fees.

               FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE)

   To the extent specifically requested by a client, the Registrant may determine to
   provide financial planning and/or consulting services (including investment and
   non-investment related matters, including estate planning, insurance planning,
   etc.) on a stand-alone fee basis.

   For one-off financial planning and consulting engagements, Registrant’s planning
   and consulting fees are negotiable, but generally will range from $3,000 to $10,000
   on a fixed fee basis, or on an hourly rate basis, ranging up to $500 per hour,
   depending upon the level and scope of the service(s) required and the
   professional(s) rendering the service(s). For fixed fee planning engagements, up
   to fifty percent (50%) of the estimate total fee, to be determined at the time of
   engagement, may be required at the execution of a Financial Planning and
   Consulting Agreement, with the remaining balance due upon delivery of the
   financial plan.

   For retainer-based engagements, the client will be required to pay an initial
   engagement fee, as well as equal recurring monthly fees, the amounts of which
   shall be set forth in the client’s Financial Planning and Consulting Agreement. The
   initial engagement fee is due at the time of execution of the Financial Planning
   and Consulting Agreement, while the ongoing monthly fee shall be paid in
   advance of each month during the term of the engagement.

B. Clients may elect to have the Registrant’s advisory fees deducted from their
   custodial account. Both Registrant's Investment Advisory Agreement and the
   custodial/clearing agreement may authorize the custodian to debit the account
   for the amount of the Registrant's investment advisory fee and to directly remit
   that management fee to the Registrant in compliance with regulatory
   procedures. In the limited event that the Registrant bills the client directly,
   payment is due upon receipt of the Registrant’s invoice. The Registrant shall
   deduct fees and/or bill clients quarterly in advance, based upon the market value
   of the assets on the last business day of the previous quarter.

   Standalone financial planning clients can elect to be invoiced separately for
   financial planning fees. The method of payment shall be set forth in the client’s
   Financial Planning and Consulting Agreement.

C. As discussed below, unless the client directs otherwise or an individual client’s
   circumstances require, the Registrant shall generally recommend that Charles
   Schwab & Co., Inc. (“Schwab”) serves as the broker-dealer/custodian for client
   investment management assets. Broker-dealers such as Schwab charge
   brokerage commissions, transaction, and/or other type fees for effecting certain

   types of securities transactions (i.e., including transaction fees for certain mutual
   funds, and mark-ups and mark-downs charged for fixed income transactions,
   etc.). The types of securities for which transaction fees, commissions, and/or other
   type fees (as well as the amount of those fees) shall differ depending upon the
   broker-dealer/custodian. While certain custodians, including Schwab, generally
   (with the potential exception for large orders) do not currently charge fees on
   individual equity transactions (including ETFs), others do.

   There can be no assurance that Schwab will not change their transaction fee
   pricing in the future. Schwab may also assess fees to clients who elect to receive
   trade confirmations and account statements by regular mail rather than
   electronically.
...

ITEM 7       TYPES OF CLIENTS

     The Registrant’s clients shall generally include individuals, high net worth
     individuals, business entities, and charitable organizations.