Plan2Thrive Financial LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

P2TF fees will fall into the following ranges:

   1. SEI Private Trust Company: 0-1.35bps of AUM
   2. Capital Group/American Funds: 0-1.35bps of AUM

P2TF uses the market value of the account at the end of the billing period to determine
the assets upon which the advisory fee is based.

These fees are generally negotiable, and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of P2TF's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract
immediately upon written notice.

Pension Consulting Fees

John Hancock: 0-0.50 bps of AUM
Selection of Other Advisers Fees

P2TF will utilize SEI Private Trust Co and Capital Group (American Funds) as third-party
advisers.

P2TF will receive its standard fee on top of the fee paid to the third-party adviser. Fees
can range from 0 - 1.50% of the assets under management. This relationship will be
memorialized in each contract between P2TF and each third-party adviser. The fees will
not exceed any limit imposed by any regulatory agency.

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is up to $5,000. At the Adviser’s
discretion the fee can be waived. Clients will pay 50% of the fee upfront, and the last 50%
upon completion of the plan.

Hourly Fees

The hourly fee for these services is up to $200/hour and collected at the time services are
rendered. The fees are negotiable, and the final fee schedule will be attached as Exhibit II
of the Financial Planning Agreement.

On-going Planning Fees

Plan Monitoring, Modifying and Updating will be determined by the number of meetings
the client and P2TF agree to meet during the year. The fee to update is up to $200 per
month and may be paid monthly by ACH via AdvicePay Software on the first of the
month. Clients may pay for their annual financial planning fees on a monthly basis.
Example: $720 annual planning fee the client pays $60/month over 12-months.

Clients may terminate the agreement without penalty, for full refund of P2TF’s fees,
within five business days of signing the Financial Planning Agreement. Thereafter, clients
may terminate the Financial Planning Agreement generally upon written notice.

Third-Party Financial Planning Technology Fees

The Firm may offer clients access to third-party financial planning technology, including
estate planning support tools, through a subscription-based platform. Clients may be
required to pay a separate fee for access to these tools, either directly to the third-party
provider or through the Firm, as disclosed in advance. Any such fees are separate from
and in addition to the Firm’s advisory and financial planning fees.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in arrears.
Payment of Selection of Other Advisers Fees

The timing, frequency, and method of paying fees for selection of third-party managers
will depend on the specific third-party adviser selected.

Payment of Financial Planning Fees

Financial planning fees are paid via check, wire and AdvicePay.

The fixed rate for On-Going Planning: Plan Monitoring and Updating is up to $200 per
month. Fixed financial planning fees may be paid by ACH via AdvicePay software. Fixed
financial planning fees are paid 50% in advance, but never more than six months in
advance, with the remainder due upon presentation of the plan.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by P2TF. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

P2TF collects certain fees in advance and certain fees in arrears, as indicated above.
Refunds for fees paid in advance but not yet earned will be refunded on a prorated basis

and returned within fourteen days to the client via check or return deposit back into the
client’s account.

       Fixed fees that are collected in advance will be refunded based on the prorated amount of
       work completed at the point of termination.

       E. Outside Compensation For the Sale of Securities to
       Clients
       Neither P2TF nor its supervised persons accept any compensation for the sale of
       investment products, including asset-based sales charges or service fees from the sale of
       mutual funds.

Item 7: Types of Clients

P2TF generally provides advisory services to the following types of clients:

       ❖       Individuals
       ❖       High-Net-Worth Individuals

There is no account minimum for any of P2TF’s services.