Peak Financial Planning LLC

Item 5: Fees and Compensation
Please note, unless a client has received this brochure at least 48 hours prior to signing an investment
advisory and/or a Financial Planning Agreement (collectively, “Client Contract”), the Client Contract may be
terminated by the Client within five (5) business days of signing the Client Contract without incurring any
fees. How we are paid depends on the type of advisory services we provide. Below is a brief description of
our fees, however, you should review your executed Client Contract for more detailed information regarding
the exact fees you will be paying.

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 - $999,999.99                            1.00%*
         $1,000,000 - $1,999,999.99                  0.85%
         $2,000,000 - $4,999,999.99                  0.75%
         $5,000,000 and above                        0.5%

* Minimum Annual Fee. If Client’s assets under management with the Advisor are less than One Million
Dollars ($1,000,000), Client will be charged a minimum annual advisory fee of Ten Thousand Dollars
($10,000), in lieu of the fee that would otherwise be calculated under the tiered fee schedule above. The
minimum annual fee will be billed monthly in arrears at a rate of $833.33 per month and is not prorated
based on account value. Beginning with the first billing period after Client’s assets under management with
the Advisor reach or exceed One Million Dollars ($1,000,000), Client’s advisory fee will be calculated under
the tiered fee schedule above rather than the minimum annual fee. If Client’s assets under management
subsequently fall below $1,000,000, the minimum annual fee will resume beginning with the next billing
period, except where the decline in assets results from Client-directed withdrawals or market depreciation
occurring during an active billing period, in which case the fee in effect at the start of that billing period will
continue through its end. Client acknowledges that the minimum annual fee may, depending on Client’s
assets under management, represent a higher effective percentage of assets than the tiered fee schedule
would otherwise produce, and that advisory services may be available from other firms at a lower cost. Client
has had the opportunity to review alternative fee arrangements.
The annual fees are negotiable and are prorated and paid in arrears on a monthly basis. The advisory fee is
a tiered fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown
in the above chart and applying the fee to the account value as of the last day of the previous month.(
Example: Clients AUM is $1,500,000. The first $999,999 is billed at 1.00% ($9,999,99), the next $500,001 at
0.85% ($4250.01), totaling $14,250.) We calculate period-end account values after all dividends settle in the
account, therefore, the account value used to calculate advisory fees may differ from that of the custodial
account statement. For clients that custody their funds at Altruist Financial LLC, the fees will be calculated
on a monthly ending balance and charged on a monthly basis for the prior month. Our billing invoice will
indicate the total account value used to calculate the advisory 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.
Advisory fees are directly debited from Client accounts, or the Client may choose to pay by check. Accounts
initiated or terminated during a calendar month 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.

Financial Planning Services
   •   Comprehensive Financial Planning The initial Comprehensive Financial Planning fee is for the
       development and delivery of the financial plan. The engagement is 4 months in duration and consists
       of an upfront charge of $5,000 and monthly fee that is paid in advance at the rate of $1,000 per month
       for a total of $9,000. At no time do we require prepayment of fees 6 or more months in advance of
       delivering the requested services. Fees for this service may be paid by electronic funds transfer or
       credit card. This service may be terminated with 30 days’ notice. Fees will be refunded in full if client
       is unhappy with the final results of the financial plan.
   •   Payment and Refund of Planning Deposits
       To begin a financial planning engagement, clients are required to pay an initial deposit of $5,000. This
       deposit is subject to specific refund and forfeiture policies based on the client’s participation in the
       onboarding process:
           ○   Onboarding Requirements: To ensure timely delivery of services, clients must reach
               "Onboarding Complete" status within 21 days of starting the engagement. This includes providing
               all requested documents, expense worksheets, goals questionnaires, and linking accounts via
               Nitrogen.
           ○   Refund Eligibility: Our "Satisfaction Guarantee" and any subsequent refund of the initial deposit
               are strictly contingent upon the client completing the onboarding requirements within the 21-day
               window. Failure to complete onboarding within this timeframe results in the forfeiture of the
               deposit.
           ○   Meeting Rescheduling & Cancellation: We manage our planning services based on a fixed
               monthly capacity. Because a rescheduled meeting displaces our ability to serve other clients, we
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Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals, high net-worth individuals
and corporations or other businesses.
We do not have a minimum account size requirement.