Planned Solutions Financial & Insurance Services Inc

Item 5     Fees and Compensation
PORTFOLIO MANAGEMENT FEES – Discretionary Asset Management

The annualized fee for Portfolio Management Services will be charged as a percentage of assets
under management, according to the following schedule:

                                                    Asset Management
                    Account Fair Market Value       Annual % Rate
                    $0 - $250,000.99                1.10%
                    $250,001 – $500,000.99          1.05%
                    $500,001 – $750,000.99          1.00%
                    $750,001 - $1,000,000.99        0.95%
                    $1,000,001 – $2,000,000.99      0.85%
                    $2,000,001 and above            0.50%

This is a tiered fee schedule. Each level of assets is charged its own corresponding percentage.
For example, a $750,000 account would be charged 1.10% on the first $250,000, 1.05% on the
next $250,000 and 1.00% on the remaining $250,000 for an effective overall rate of 1.05%. PSI
will manage client assets for an annual fee based on a percentage of assets under management
(suggested minimum account size is $100,000). The fee will be paid quarterly, in advance,
based on the market value of the account on the last trading day of the preceding calendar
quarter. Unless we agree otherwise in writing, we include the value of all cash and cash
equivalents in determining our fee. We do not generally make any adjustments for
contributions or withdrawals during a billing period. The first payment shall be prorated to
cover the period from the date that the Account is invested through the end of the next full
calendar quarter.

Fees will be debited directly from the client’s account if authorized by the client in the
Investment Management Agreement and their brokerage account application with their
custodian. If fees are not debited from the account, the client will be billed directly.

Upon client request, PSI may group certain related client accounts for the purposes of
determining the annualized fee.

Limited Negotiability of Advisory Fees: Although PSI has established the fee schedule above,
we retain the discretion to negotiate alternative fees on a client-by-client basis. Client facts,
circumstances and needs are considered in determining the fee schedule. These include the
complexity of the client’s accounts, assets to be placed under management, anticipated future
additional assets, related accounts, portfolio style, account composition, reports, number of
account review meetings, among other factors. The specific fee schedule is part of the contract
between the adviser and each client.
Discounts, generally not available to our advisory clients, may be offered to family members
and associated persons of our firm and its affiliates.
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                                                                          Form ADV Part 2A: Firm Brochure
                                                                                 Version Date 03/16/2026

FINANCIAL PLANNING FEES
PSI offers services on a fee-for-service basis using the following methods:
   1. Retainer fee (flat fee for ongoing services over an extended contract period, typically
      one year)
         • Retainer engagements allow clients to pay a flat fee to retain PSI to provide a
             coordinated set of services for an extended period of time, typically one-year.
         • The services included are typically more comprehensive in scope.
         • Periodic review meetings are scheduled throughout the retainer period.
         • Clients may maintain an ongoing relationship by renewing for additional periods.
   2. Hourly (flat hourly rate for short term or intermittent services).
         • Hourly engagements allow clients to pay hourly rates to retain PSI to provide
             short term or intermittent advice and services. We will not be responsible for
             implementing any aspect of a plan or for monitoring our recommendations.
         • The services included are typically more limited in scope.
         • Hourly rates range from $100 to $250 per hour. An estimate for the total hours
             will be provided in the contract.
         • The client will be invoiced in two installments – one half due when agreement is
             entered into and the final installment with the project is complete. In any event,
             engagements will be performed within 6 months, or we will revise our billing
             methods if we anticipate that the arrangement will exceed 6 months.
PSI customizes financial planning fee arrangements for each client based on the types of
services and length of time they will be provided. The types of services, contract period, fee
method, and fee amount are determined during or soon after a free initial consultation and/or
communication via telephone and email.
All contracts are detailed in writing and are agreed upon by all parties prior to the
commencement of work.
INCOME TAX PREPARATION
Income tax preparation engagement allows clients to retain PSI to provide tax return
preparation services. Income tax preparation services are normally contracted separately from
investment advisory and financial planning services but may be included as part of an existing
financial planning agreement. Fees are based on the complexity of the returns and the amount
of time and costs required to prepare them. Fee estimates are available upon request.
Invoices are typically issued upon completion of the work but may be paid as a monthly fee
over the course of the year that the tax return was prepared. Clients are under no obligation to
retain PSI for tax preparation service.

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Item 7      Types of Clients

PSI generally provides portfolio management services to the following types of clients:
individuals, high net worth individuals, qualified retirement plans, trusts, estates, charitable
organizations, and Corporations, or other business entities.