Planwiser Financial LLC

ITEM 5 - FEES AND COMPENSATION
In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and
each service’s fees and compensation arrangement. The Client and PlanWiser Financial, LLC’s Investment
Advisory Agreement will outline and agree upon the exact costs and other terms related to the Client’s Accounts.

INVESTMENT MANAGEMENT FEE

Our Firm offers investment management services for an annual fee based on the amount of assets under
management. Our maximum annual fee is 1.30% with a maximum minimum reoccurring fee of $2,100 per year.
Our annual fee is reasonable in relation to (1) the services provided and (2) the fees charged by other investment
advisers offering similar services/programs.
Our annual fee is prorated and charged monthly in advance based on the average daily balance of the account.
Cash and cash equivalents, including money market funds, are subject to our advisory fee. Clients should
understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash
equivalents, or money market funds, especially in low-interest rate environments.
Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client.
The investment advisory fees will be deducted from your account and paid directly to our Firm by the qualified
Custodian(s) of your account. The Client will authorize your account's qualified Custodian(s) to deduct fees from
the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be
shown on the monthly or quarterly statements provided by the Custodian. You should review your account
statements received from the qualified Custodian(s) and verify that appropriate investment advisory fees are
being deducted. The qualified Custodian(s) will not verify the accuracy of the investment advisory fees deducted.
We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. The investment
management agreement will outline the fee charged to a Client and any breakpoints based on the level of assets
managed. The fees are subject to change with prior written notice to the Client.
Our annual investment advisory fee may be higher than that of other investment advisers that offer similar
services and programs. In addition to our compensation, you may incur charges imposed at the mutual fund
level (e.g., advisory fees and other fund expenses).
Accounts initiated or terminated during a calendar month will generally be charged a prorated fee based on the
days the Client account was open during that month. Any prepaid, unearned fees will be refunded upon
termination of any account.

LEGACY MANAGEMENT FEE

Managed legacy positions are included within our Firm’s standard investment management fee and are outlined
in the executed investment management agreement.

FINANCIAL PLANNING FEE

Our Firm provides stand-alone financial planning services under an hourly arrangement. This arrangement
charges a mutually agreed-upon fee not to exceed $400 per hour. Investment advisory clients’ financial planning
services are included under their advisory fees.
Fees charged for our financial planning services are negotiable based upon the type of Client, the services
requested, the investment adviser representative providing advice, the complexity of the Client's situation, the
composition of the Client's account, other advisory services provided, and the relationship of the Client and the
investment adviser representative.
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The amount of the fee for your engagement is specified in your financial planning agreement with us. At our
sole discretion, the Client may be required to pay the fee at the time the agreement is executed with our Firm;
however, our Firm does not require or solicit prepayment of more than $1,200 in fees per Client, six months or
more in advance. The fee is considered earned upon delivery of the financial plan, and any unpaid amount is
immediately due.
The Client may pay the fees owed for the financial planning services by submitting payment directly via Cardknox
or check, or by deducting the fee from an existing investment account. If the Client elects to pay by automatic
deduction from an existing investment account, they will provide written authorization to our Firm for such a
charge.
If the Client terminates the financial planning services after entering into an agreement with our Firm, the Client
will be invoiced and responsible for immediate payment of any hourly financial planning services performed by
us before receiving notice of termination. For financial planning services, our Firm performs under an hourly fee
arrangement, the Client will be responsible for paying a pro-rated fixed fee equivalent to the percentage of work
that our Firm completed. If there is a remaining balance of any fees paid in advance after deducting fees from
the final invoice, those remaining proceeds will be refunded to the Client.

RETIREMENT PLAN SERVICE FEE

For Retirement Plan Advisory Services compensation, we charge an advisory fee as negotiated with the Plan
Sponsor and as disclosed in the Employer-Sponsored Retirement Plans Consulting Agreement (“Plan Sponsor
Agreement”).
Typically, the billing period for these fees is paid quarterly. This fee is generally negotiable, but the terms and
the advisory fee are agreed upon in advance and acknowledged by the Plan Sponsor through the Plan Sponsor
Agreement or Plan Provider’s account agreement. Fee billing methods vary depending on the Plan Provider.
Our Firm or the Plan Sponsor may terminate the Agreement upon 30 days written notice to the other party. The
Plan Sponsor is responsible for paying for the services rendered until the termination of the Agreement.

ADMINISTRATIVE SERVICES PROVIDED BY ORION ADVISOR SERVICES, LLC
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ITEM 7 - TYPES OF CLIENTS
Our Firm provides investment management, financial planning, and consulting to individuals, high-net-worth
individuals, businesses, families, trusts, and charitable organizations.
Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client
arrangement with us.

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