Planguide Financial LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management             Annual Fees
        $0 - $250,000                             1.25%

        $250,001 - $500,000                       1.20%

        $500,001 - $2,000,000                     1.00%

        $2,000,001- $5,000,000                    0.85%

        $5,000,001- $10,000,000                   0.80%

PGF uses an average of the daily balance in the client's account throughout the billing
period, after taking into account deposits and withdrawals, for purposes of determining
the market value of 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 PGF's fees within five business days of signing the Investment
Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract
generally with 30 days' written notice.

Pension Consulting Services Fees

Asset-Based Fees for Pension Consulting

Fees for institutional client services are generally based on plan size and services
rendered.

Fees generally range from 0.05% to 1.00% of assets based on level of service and may also
include a flat fee. Fees are quoted on a case by case basis, and may be negotiable in certain
circumstances, such as when the firm provides more limited services with another adviser
in a co-advisory arrangement.

Fees are generally due quarterly either in advance or in arrears. Fees can sometimes be
deducted directly from the plan, but clients may elect to instead pay fees by check or wire
transfer.

PGF uses an average of the daily balance in the client's account throughout the billing
period, after taking into account deposits and withdrawals, for purposes of determining
the market value of 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 PGF's fees within
five business days of signing the Investment Advisory Contract. Thereafter, clients may
terminate the pension consulting agreement generally with 30 days' written notice. PGF
uses an average of the daily balance in the client’s account throughout the billing period,
after taking into account deposits and withdrawals, for purposes of determining the
market value of the assets upon which the advisory fee is based.

Fixed Fees

The rate for creating client pension consulting plans is between $1,500 and $50,000. Clients
will be charged a fee of great than 3% of assets under management for this service. The
final fee schedule will be memorialized in the client’s advisory agreement. This service
may be canceled with 30 days’ notice.

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $500 and $5,000.

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

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 or may be invoiced and billed
directly to the client on a quarterly basis. Clients may select the method in which they are
billed. Fees are paid in arrears.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis or may be invoiced and billed
directly to the client on a quarterly basis. Clients may select the method in which they are
billed. Fees are paid in arrears.

Fixed pension consulting fees are paid via check. These fees are paid in arrears upon
completion.

Payment of Financial Planning Fees

Financial planning fees are paid via check.

Fixed financial planning fees are paid in arrears upon completion.

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 PGF. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

PGF collects its fees in arrears. It does not collect fees in advance.

       E. Outside Compensation For the Sale of Securities to Clients

       Neither PGF nor its supervised persons accept any compensation for the sale of securities
       or other investment products, including asset-based sales charges or service fees from the
       sale of mutual funds.

Item 7: Types of Clients

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

           ❖ Individuals
           ❖ High-Net-Worth Individuals
           ❖ Pension and Profit Sharing Plans.

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