Planning Solutions International LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid monthly, in advance, pursuant to the terms of the agreement. Investment
advisory fees are based on the market value of assets under management at the end of the prior month.
Investment advisory fees range up to 2.50% annually based on several factors, including the complexity of the
services to be provided, the level of assets to be managed, and the overall relationship with the Advisor.
Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities
may be charged a higher fee. Client may be able to obtain similar services from other services providers for a
lower fee.

The investment advisory fee in the first month of service is prorated from the inception date of the account[s] to the
end of the first month. Fees may be negotiable at the sole discretion of the Advisor. In determining the Client’s fees,
the Advisor will take into consideration the aggregate assets under management with the Advisor. All securities held
in accounts managed by Toams Financial will be independently valued by the Custodian. Toams Financial will not
have the authority or responsibility to value portfolio securities.

The Advisor’s fee is exclusive of, and in addition to, any applicable securities transaction and custody fees, and
other related costs and expenses described in Item 5.C below, which will be incurred by the Client. However, the
Advisor shall not receive any portion of these commissions, fees, and costs.

Financial Planning Services
Toams Financial offers financial planning services for a monthly fee up to $30 payable at the beginning of each
month. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall
relationship with the Advisor.

Toams Financial also offers stand-alone financial planning services. Fees are negotiable based on the nature and
complexity of the services provided and the overall relationship with the Advisor. An estimate for total hours and
overall costs will be provided to the Client prior to engaging for these services.

B. Fee Billing
Investment Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] by
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Clients’ accounts at the beginning of the respective month. The amount due is calculated by applying the
monthly rate (annual rate divided by 12) to the total assets under management with Toams Financial at the end of
the prior month. Clients will be provided with a statement, at least quarterly, by the Custodian reflecting deduction of
the investment advisory fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the
Custodian’s brokerage statement as the Custodian nor Toams Financial does not assume this responsibility.
Clients provide prior written authorization permitting advisory fees to be deducted by Toams Financial and to be
                                 Planning Solutions International LLC dba Toams Financial
                                        1901 University Blvd W, Jacksonville, FL 32217
                                         Phone: (904) 733-5321 * Fax: (904) 733-5322

paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate
account forms provided by the Custodian.

Financial Planning Services
The Advisor will invoice Clients directly for ongoing financial planning. Fees are paid monthly in advance. Clients
may pay fees directly from their bank account, credit or debit card, or invoiced directly from the Clients’ accounts at
the Custodian, pursuant to the agreement.

For stand-alone financial planning services, fees may be invoiced for up to fifty percent (50%) of the expected
total fee upon execution of the financial planning agreement. The balance shall be invoiced upon completion of
the agreed upon deliverable[s].

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Toams Financial, in connection
with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and
securities execution fees charged by the Custodian, if applicable. The Advisor's recommended Custodian does
not charge securities transaction fees for ETFs and equity trades in Client accounts but typically charges for
mutual funds and other types of investments. The fees charged by Toams Financial are separate and distinct
from these custody and execution fees.

In addition, all fees paid to Toams Financial for investment advisory services are separate and distinct from the
expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are
described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees
for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and
a possible distribution fee. A Client may be able to invest in these products directly, without the services of
Toams Financial, but would not receive the services provided by Toams Financial which are designed, among
other things, to assist the Client in determining which products or services are most appropriate for each Client’s
financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and
...

Item 7 – Types of Clients
Toams Financial offers investment advisory services to individuals and high net worth individuals. Toams
Financial generally requires a minimum relationship size of $10,000 to effectively implement its investment
process. Toams Financial reserves the right to negotiate in certain circumstances.