Plan Life & Wealth Management Inc

Item 5 – Fees and Compensation

Fee Schedules
 I.     Standard Investment Advisory Services
                                                                 Annual
         Assets Under Management                               Advisory Fee
         Up to $1,000,000                                        1.00%
         Next $1,000,000                                           .75%
         Next $2,000,000                                           .50%
         Next $3,000,000                                           .25%
         Amounts over $7,000,000                                   .15%

 II.    Managed Accounts Program
        Advisory fees for the Managed Accounts Program are based on the investment
        advisory fee schedule shown above. The fees payable for the Separate Account
        Portfolio are separate from the advisory fees, and will be provided to the client at
        the time of the solicitation by delivering a copy of all relevant third party advisers’
        Form ADV Part II or equivalent disclosure document. The combined fee between
        Plan Financial and the third party advisers will not exceed the industry standard of
        3%. We do not participate in wrap fee programs.

 III.   Custom Asset Allocation Services

                                                                 Annual
         Assets Under Management                               Advisory Fee
         Up to $1,000,000                                        1.50%
         Next $1,000,000                                          1.25%
         Next $1,000,000                                          1.00%
         Next $2,000,000                                           .75%
         Next $2,000,000                                           .50%
         Next $3,000,000                                           .25%
         Amounts over $10,000,000                                  .15%

        Investment Advisory fees for all categories are charged and collected in arrears on
        a quarterly basis, based on the end-of-quarter market value, and begin accruing on

        the date all initial transactions have cleared, and the related assets have been
        credited to the client's account at the custodian.

        An independent nonaffiliated custodian separately maintains all client accounts.

        The custodian of the client’s account deducts fees. Prior to the deduction, the
        custodian notifies the client of the amount of the fee, the account’s market value
        upon which the fee is based, and the way the fee was calculated. Fees do not
        include mutual fund operating expenses. Clients may incur certain charges
        imposed by custodians such as wire transfer and electronic fund fees. Plan
        Financial shall not receive any portion of these fees and costs.

        Item 12 describes the factors that Plan Financial considers in selecting or
        recommending custodians or broker-dealers for client transactions.

 IV.    Financial Planning Services
        For its financial planning services, the client pays Plan Financial an hourly, fixed, or
        variable fee based upon the complexity of the client’s financial circumstances and
        the analyses provided. The hourly fee will not exceed $200/hr. The fixed fees
        range from $245 to $4,000 based on the services provided. The fee and the
        services to be provided will be quoted to and agreed upon by the client in advance
        and are payable upon completion of the fact-finding interview.

Negotiated Fees
Exceptions to Plan Financial’s fee schedules include: (a) accounts of employees of Plan
Financial, which are offered discounted fees, (b) individual accounts, which may be aggre-
gated for purposes of reducing the total fees charged, (c) accounts of charitable or religious
institutions and their employees, which may be offered discounted fees and (d) investment
advisory and/or financial planning fees, which may be discounted or waived based on the
time/effort required to service the client's account and/or on certain occasions where
other compensation is received. (Item 10 describes these other business activities.) Lower
fees for comparable services may be available from other sources.

Termination of Advisory Agreements
The Advisory Agreements for the Standard Investment Advisory Services, the Managed
Accounts Program and the Custom Asset Allocation Services continues until terminated by
either party upon 30-days written notice.

Clients will be entitled to a prorated refund of collected and unearned advisory fees.

The financial planning agreement terminates upon presentation of the plan. The client may
request a refund of any fees paid by returning the financial plan to Plan Financial or the
advisor within 30 days after it was received or by giving written notice at any time before
the plan is completed.

Item 7 – Types of Clients

Plan Financial generally provides portfolio management services to:

       Individuals and high net worth individuals

       Pension and profit-sharing plans

       Corporations, trusts, and estates

       Charitable organizations, foundations, and endowments

Conditions for Managing Accounts
 I.       Standard Investment Advisory Services
          A minimum initial investment of $250,000 is generally required to open an
          account.
 II.      Managed Accounts and Custom Allocation Services
          A minimum initial investment of $750,000 is generally required to open an
          account.