OLIO Financial Planning LLC

Item 5 - Fees and Compensation
    Fees and payment are based on the types of services being provided, term of service, etc., and will be stated in
    your engagement agreement with our firm. Our published fees are not negotiable but may be discounted by our
    firm. For example, we may provide a discount to our associates and their immediate family members, former
    clients, etc. We strive to offer fees that are reasonable in light of the experience of the firm and its associates as
    well as the range of services to be rendered to our clients.

    Fees are to be paid by check or draft from US-based financial institutions. With your prior authorization,
    payment may also be made through a qualified, unaffiliated PCI-compliant3 third-party processor or via your
    account maintained at your custodian of record. Our firm does not accept cash, money orders or similar forms
    of payment for its engagements.

    TYPES OF FEES AND PAYMENT SCHEDULE

    Project-Based Engagements: Our planning engagements may be either a broad-based financial plan or a plan
    consisting of one or more planning modules. A broad-based financial plan is offered to clients who need help
    with a range of financial planning areas as described in Item 4. Our modular financial planning services are
    designed for those in need of a limited number of planning services, such as assistance with the allocation of
    their employer-sponsored retirement plan or establishing a child’s college fund.

    On rare occasions, we are compensated for project-based services on a fixed fee basis ranging from $1,500 to
    $50,000 or on an hourly basis ranging from $100 to $250 per hour. The fee will be determined by the
    complexity of the engagement, time involved developing the plan, number of accounts involved, etc. We
    require a deposit of $500 or one-half the quoted fee, whichever is greater, to initiate the engagement. The
    remaining portion of the quoted fee will be due upon plan delivery.

    Fixed-Fee Engagements: We will assist you over the course of the year to create your foundation and work
    with you to accomplish various planning steps or action items. We are available to help you in opening and
    maintaining an investment account at the custodian of your choice, and we will provide portfolio allocation
    adjustments when necessary.

    The fee ranges from $500 to $50,000 per year and takes into consideration factors such as the complexity of
    your financial profile and requirements, the time involved developing your plan and assisting you in its
    execution, assets that comprise your overall portfolio, as well as the number of individual accounts comprising

2   The term “assets under management” and rounding per the SEC’s General Instructions for Part 2 of Form ADV.
3   For an explanation of the term “PCI,” who the PCI Security Standards Council is, as well as its comprehensive standards to enhance payment card data
    security, please go to https://www.pcisecuritystandards.org/security_standards/index.php
    OLIO FINANCIAL PLANNING
    FORM ADV PART 2A - 2026

your portfolio. The fee is paid in advance in equal quarterly installments. The first installment is due upon
execution of the engagement agreement, which may require proration based on the days remaining in the
billing period.

Your written authorization is required in order for the custodian of record to deduct advisory fees from your
account. By signing our firm’s engagement agreement, as well as the custodian account opening documents,
you will be authorizing the custodian to withdraw both advisory fees and any transactional fees from your
account. The custodian will remit our fees directly to our firm. Deducted fees from your account will be noted
on statements that you will receive directly from your custodian of record, and we encourage you to verify the
accuracy of fees.

Alternatively, you may request to directly pay our advisory firm its portfolio management fee in lieu of having the
advisory fee withdrawn from your investment account. Client’s direct payment must be received by our firm
within 30 days of our invoice.

Educational Workshops Fees: While certain seminars may be complimentary, workshop fees may be assessed
up to $10,000. Frequently these sessions will be paid for by the event sponsor, such as an employer or an
association. The workshop fee will be announced in advance and will be determined by the length of the event,
the number and expertise of the presenters involved, and whether or not educational materials are being
provided. Payment will be due in advance of the first session.

Additional Client Fees: Any transactional or service fees (sometimes termed brokerage fees), individual
retirement account fees, qualified retirement plan fees, account termination fees, or wire transfer fees will be
borne by the account holder and per the separate fee schedule of the custodian of record. Fees paid by our
clients to our firm for our advisory services are separate from any of these fees or other similar charges. In
addition, our advisory fees are separate from internal fees or charges associated with mutual funds, exchange-
traded funds (ETFs), exchange-traded notes (ETNs), or other similar investments.

Per annum interest at the current statutory rate in which the client resides may be assessed on fee balances
due more than 30 days, and we may refer past due accounts to collections or legal counsel for processing. We
reserve the right to suspend some or all services once an account is deemed past due.

EXTERNAL COMPENSATION FOR THE SALE OF SECURITIES TO CLIENTS

Our firm does not charge or receive a commission or a mark-up on securities transactions, nor will the firm or
an associate be paid a commission on the purchase of a securities holding or insurance contract that is
recommended to a client. We do not receive “trailer” or SEC Rule 12b-1 fees from an investment company that
...

Item 7 - Types of Clients
Our current client base consists of individuals, high net worth individuals, pension and profit sharing plans,
charitable organizations and corporations. We do not require minimum income, minimum asset levels or other
similar preconditions.

We reserve the right to waive or reduce certain fees based on unique individual circumstances, special
arrangements or preexisting relationships. We retain the right to decline services to any prospective client for
any nondiscriminatory reason.