Personal Money Planning LLC

Item 5

         Fees for investment management services are a combination of an initial charge for asset
         allocation services followed by ongoing fees for monitoring and managing your investments. The
         initial charge, if levied 1, is one-time. The fee covers initial work such as research on your existing
         accounts, risk profiling, meetings, and asset allocation services. The amount is charged our
         normal hourly rate of $250 per hour. The amount will depend on the assets you currently own
         and the complexity of your current and future investment plan. We analyze each security
         currently held in your accounts. Transfers take extra paperwork and time. Because of this, an
         estimate of the initial fee will be determined prior to the engagement and included in your
         contract agreement.

         The ongoing advisory and investment fee is payable quarterly, for services rendered in the
         previous quarter. We base the fee on a percentage of the value of all assets in the portfolio
         based on an average daily balance. The month-end values may not match the custodial
         statement due to trade date versus settlement date dividend posting differences. This means
         that our billing software uses the “trade date” for all reporting and billing, while the custodial
         (particularly Schwab) statement uses the “settlement date”. The settlement date is within a
         couple days of the actual trade date. In any partial calendar quarter, including due to
         termination, the advisory fee will be pro-rated based on the number of days we managed the
         portfolio during the quarter.

         During our initial or subsequent investment planning meetings, we may determine that some
         assets are not considered to be “under management.” This is determined on a client-by-client
         basis and may change over time based on the current facts and circumstances. We then remove
         the values of those assets from the portfolio's total value prior to invoice calculations. If not
         under management, the monitoring of that security and buy/sell recommendations are the
         responsibility of the client.

         As stated in Item 4, we offer two types of services. These are Ongoing Advisory and Investment
         Management and Hourly Consulting. The fees charged for these services are:

         Ongoing Advisory and Investment Management Fees
         The annual management fee is determined by using the table below.

          The initial fee will be charged when it is believed that relocating accounts under our supervision would require
         more work than the average household. An example of this would be someone who has numerous accounts at
         multiple institutions. For instance, starting a Traditional IRA and merging ten accounts into one would be above and
         beyond the typical workload.

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Personal Money Planning may choose to combine household accounts into one “portfolio” for
the purpose of fee calculations. This means that for a household with multiple accounts, the
cumulative total of those accounts may be used to calculate the level of fee charged.

                  Assets under management             Annual charge for services

                         $0 - $150,000                      1.55% of assets
                     $150,001 - $1,000,000                  0.80% of assets
                    $1,000,001 - $5,000,000                 0.55% of assets
                      $5,000,001 and over                   0.45% of assets

These are annual numbers. Divide everything by four to get your quarterly fees.

Hourly Consulting
Investment or financial planning advice is also available on an hourly basis. Fees depend on the
type of advice and service given.

Financial Advisory Services: $250 per hour.
   This covers advice pertaining to investment selection and portfolio asset allocation work,
   along with retirement planning, college funding planning, estate planning risk management,
   etc.

Administrative Services: $50 per hour
  This includes work that we do that in our opinion does not require a licensed, degreed,
  experienced, or certified individual to perform.

Estate Planning Services: A flat rate of $350, plus $250 per hour.
       This covers advice pertaining to general estate planning information, gathering of data
       required, and the preparation of documents by a third party. Personal Money Planning is
       not a licensed attorney and does not prepare the documents for you. The fee is a
       combination of our hourly consulting rate, as well as the document preparation by a third
       party.

Hourly fees are due at the end of each consultation as billed. The service may be cancelled at any
time by notification, but any fee for consulting time used is still due. We reserve the right to raise
hourly fees at any time with advance notice to you.

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A common question is “how long will this take?” After all, the longer we take the more you end
up paying under our hourly consulting services. Our answer is “it depends”- and it does. Once we
determine what goals you have for the engagement, we will estimate the time and cost of us
providing those services. In working with you, we may find that more extensive planning is
necessary to give you the answer you want. When that happens, we will let you know and
provide you with new estimates.

Note that with hourly services, once we complete the assigned task, we do not follow-up or
otherwise provide ongoing monitoring, services, or advice unless specifically contracted to do so.

Educational Seminars
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Item 7

         Personal Money Planning, LLC provides portfolio management services to individuals and high
         net worth individuals, and may counsel trusts and estates, along with small business owners. The
         firm does not impose any minimum account size, nor do we impose a minimal annual fee
         requirement.

         Methods of Analysis, Investment Strategies and Risk of Loss