Planned Financial Services LLC

Item 5 Fees and Compensation

Return on Life® Wealth Partners charges a fee as compensation for providing Investment
Management services on your account. These services include advisory services, trade entry,
investment supervision, and other account maintenance activities. Our custodian charges
transaction costs, custodial fees, redemption fees, retirement plan and administrative fees or
commissions. See Additional Fees and Expenses below for details.

The fees for investment management are based on an annual percentage of assets under
management and applied to the household asset value on a pro rata basis. Typically, investment
management fees are payable quarterly, with some Clients requesting monthly billing. The
method for billing these fees may vary based on the historical methods of the advisors and is
agreed upon under the terms of the Agreement (or supporting documentation if there were
changes made after the Client signed the Agreement). Typically, fees are billed in advance.

When calculating advisory fees, securities held in Client accounts are valued by the applicable
portfolio accounting system used by the Firm to manage the Client’s account. As a result, different
Clients with the same security may pay different Advisory Fees depending on the valuation source
of the securities in their specific Advisory Account. Fees are calculated based on the ending
market value at the end of the previous quarter. In addition, fees are assessed on all assets under
management, including securities, cash, and money market balances. Margin account balances
are included in the fee billing. [Quarter End Value x Advisory Fee] / 360 x 90 Days = Advance
Billing. The specific manner in which fees are charged is established in a client’s written
agreement based on the below fee schedule. Return on Life® Wealth Partners takes into account
the aggregation of a Client’s total advisory accounts under management.

The Firm’s maximum investment advisory fee is 1.50%, or we may negotiate a lower advisory
fee. The specific advisory fees and billing methods are set forth in your Investment Advisory
Agreement. Fees may vary based on the size of the account, complexity of the portfolio, extent
of activity in the account, or other reasons agreed upon by us and you as the Client. In certain
circumstances, our fees and the timing of the fee payments may be negotiated.

The independent and qualified custodian holding your funds and securities will debit your account
directly for the advisory fee and pay that fee to us. You will provide written authorization permitting
the fees to be paid directly from your account held by the qualified custodian. Further, the qualified
custodian agrees to deliver an account statement to you on a quarterly basis indicating all the
amounts deducted from the account including our advisory fees.

Please see the standard investment management cost schedule outline fees below.

Fee Schedule

          Asset Range ($)                      Management Fee (%)
          Up to $500,000                       1.50%
          $500,001 - $1,000,000                1.25%
          1,000,000 - $2,999,999               1.10%
          $3,000,000 - $3,999,999              1.00%
          $4,000,000 - $5,999,999              0.90%
          $6,000,000 - $9,999,999              0.80%
          $10,000,000 - $14,999,999            0.70%

          $15,000,000-$19,999,999              0.60%
          $20,000,000 - $49,999,999            0.50%
          $50,000,000+                         0.45%

Defined Benefit/Defined Contribution Hourly Consulting
Fees are based on an hourly rate of $325.00 per hour, subject to change at any time with notice
to the client. At times, because of the scope of the project, applicant will fix the fee based upon
projected hours needed to complete the project times the hourly billing rate. In the event that the
client’s situation is substantially different to than disclosed at the initial meeting, a revised fee will
be provided for mutual agreement. The client must approve the change of scope in advance of
the additional work being performed when a fee increase is necessary. Our annual advisory cost
percentage has a decreasing sliding scale as the total assets increase. Once our plans reach
these levels and are sustained on average for one quarter, the fee will be adjusted accordingly.

Pension and Profit-Sharing Plans
Fees are based on an hourly rate of $325.00 per hour, subject to change at any time with notice
to the client. At times because of the scope of the project, the applicant will fix the fee based upon
projected hours needed to complete the project times the hourly billing rate. In the event that the
client’s situation is substantially different to than disclosed at the initial meeting, a revised fee will
be provided for mutual agreement. The client must approve the change of scope in advance of
the additional work being performed when a fee increase is necessary.

Other Fees and Expenses

In addition to the fees described above, Clients may bear other costs associated with investments
or accounts including but not limited to: (i) custodial charges, brokerage fees, commissions and
related costs; (ii) interest expenses; (iii) taxes, duties and other governmental charges; (iv)
transfer and registration fees or similar expenses; (v) costs associated with foreign exchange
transactions; (vi) other portfolio expenses; and (vii) costs, expenses and fees (including

investment advisory and other fees charged by the investment advisers of funds in which the
Client’s account invest) associated with products or services that may be necessary or incidental
to such investments or accounts. With respect to such services (which may include, but are not
limited to, custodial, securities lending, brokerage, futures, banking, consulting or third-party
advisory or legal services) each Client may be required to establish business relationships with
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Item 7 Types of Clients

As discussed in Item 4 – Advisory Business of this Brochure, Return on Life® Wealth Partners
currently provides investment management services, as an investment adviser, to individuals,
high-net worth individuals, pension and profit-sharing plans, institutions, trusts, and estates. We
do not require a minimum dollar amount to open and maintain an advisory account. All Clients
are required to execute an agreement for services in order to establish a client arrangement with
Return on Life® Wealth Partners.

In addition, the Firm may seek to obtain, verify, and record information that identifies each Client
who retains Return on Life® Wealth Partners to manage its account, in order to help the U.S.
Government, fight the funding of terrorism and money laundering activities.