Pearl Planning LLC

5. Fees and Compensation

          A.                                    INVESTMENT ADVISORY SERVICES
          The Adviser provides discretionary and non-discretionary investment advisory services on a negotiable fee
          only basis. The Adviser’s annual investment advisory fee shall be based upon a percentage (%) of the market
          value of the assets placed under the Adviser’s management, generally ranging between 0.40% and 1.30%,
          as follows:

                                          Amounts less than $500,000

                                               First $500,000                  1.30%

                                          Amounts greater than $500,000

                                               First $1,000,000                1.0%

                                               Next $4,000,000                 0.85%

                                               Next $5,000,000                 0.70%

                                               Next $10,000,000                0.50%

                                               Amounts over $20,000,000        0.40%

Form ADV Part 2A: Disclosure Brochure | 2026                                                                               9

Form ADV Part 2A:
Disclosure Brochure

           Unless otherwise agreed upon and stated in the Investment Management Agreement, fees are assessed on
           all assets under management, including securities, cash, margin and money market balances. Each of
           these are considered categories within the asset allocation for the client’s investment strategy. The
           Adviser, in its sole discretion, may charge a lesser investment management fee and/or a fixed 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, negotiations with client, etc.) At
           our discretion, we will aggregate asset amounts in accounts from your same household together to
           determine the advisory fee for all your accounts. We could do this, for example, where we also service
           accounts on behalf of your minor children, individual and joint accounts for a spouse, and/or other types
           of related accounts. This consolidation practice is designed to allow you the benefit of an increased asset
           total, which could potentially cause your account(s) to be assessed a lower advisory fee based on the asset
           levels available in our fee schedule. 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)
          Pearl Planning includes financial planning as part of investment advisory services for no additional fee.
          Stand-alone financial planning services are fixed or hourly and defined in the financial planning agreement.
          Fixed fees range from $500 to $15,000, and hourly fees are $350 per hour. Fees are negotiable and vary
          based on the extent and complexity of your individual or family circumstances and the amount of your
          assets under our management. Our fee will be agreed in advance of services being performed.
          Financial Planning fees will be invoiced upon delivery of the Planning Services and can be paid via personal
          check or through a third party, unaffiliated ACH/ credit card provider. If chosen, clients will be asked to
          set up their bank account or credit card at a third party, unaffiliated ACH/ credit card provider to enable
          credit card or ACH payments. While ACH/ credit card providers allow firms like Pearl Planning to receive
          payments directly from the client’s credit card or bank account, it does not give Pearl Planning access to
          the bank account itself, nor to any of the client’s credit card or bank account information. Pearl Planning
          is not able to initiate any additional payments via the ACH / credit card provider as agreed upon and
          outlined in the Agreement. Clients should note that similar advisory services may or may not be available
          from other registered (or unregistered) investment advisors for similar or lower fees.
          If you choose to terminate the financial planning agreement by providing us with written notice. Upon
          termination, fees will be prorated to the date of termination and any earned portion of the fee will be
          billed to you based on the hours that our firm has spent on creating your financial plan prior to termination.
          The hourly rate used for this purpose is $350/hour. The hourly rate would be stated in your executed
          Financial Planning Agreement.
          The Adviser may 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.
          Adviser’s planning and consulting fees are negotiable, but generally range from $500 to $15,000 on a fixed
          fee basis, and $350 on an hourly rate basis. A lower fee may be charged depending upon the level and scope
          of the service(s) required and the professional(s) rendering the service(s).

          RETIREMENT PLAN SERVICES
          The Adviser provides retirement plan consulting services, in the capacity of either a 3(21) or 3(38) advisor,
          pursuant to which it assists sponsors of self-directed retirement plans with the selection and/or monitoring
          of investment alternatives from which plan participants shall choose in self-directing the investments for
...

7. Types of Clients
               The Adviser’s clients shall generally include individuals, qualified plans, business entities, trusts, and
               estates.

               We do not require a minimum asset level or impose a minimum fee for our services.