Ppsgrp LLC

ITEM 5: FEES AND COMPENSATION

A. DESCRIPTION AND BILLING

In addition to the information provided in Item 4 above, this item provides details regarding Prism’s services
along with a description of each service’s fees and compensation arrangements.
Lower fees for comparable services may be available from other sources. Clients receiving more than one
service may incur annual advisory fees in excess of 3%. Clients can purchase investment products that Prism
recommends through other brokers or agents not affiliated with the Firm. Our advisory fees are generally
negotiable depending on the needs of the client and the complexity of the services being provided. The
specific fee for a given client is included in the client’s engagement agreement.

                                           Advice Services Fees

Advice Services may be provided as Financial Planning Services, Financial Coaching Services, Financial
Consulting Services, Estate Planning Services, Ongoing Advice Services, and Investment Advice Services.

Fees for Advice Services may be paid by invoice or deducted from an account held at our custodian. Fees
paid by invoice may be paid by check, AdvicePay, Zelle, ACH or credit card. Fees paid by credit card will
be 3% higher, and the total fee will be reflected in the client’s engagement agreement.

Clients may terminate Advice Services engagements within five (5) days of initial payment and receive a
full refund. Thereafter, clients may terminate Advice Services engagements upon thirty (30) days’ written
notice. No refunds will be provided (other than for monthly or quarterly fees, if any), and clients will be
provided with any work completed.

     Financial Planning Services fees range from $1,800 to $12,000.

     The actual fee will be negotiated and fixed at the beginning of the engagement and the final fee
     will be included in your engagement agreement, along with the specific Financial Planning
     Services included in the engagement. The typical Financial Planning Services engagement is 4
     – 6 months and may be extended by mutual agreement.

     If the fee for the engagement is less than or equal to $6,000, then a deposit of 25% of the total
     fee is required before any work begins, with additional payments of 25% each due 60, 90 and
     120 days later.

     If the fee for the engagement is greater than $6,000, then a deposit of 50% of the total fee is
     required before any work begins, with additional payments of 25% each due 60 and 150 days
     later

     Financial Consulting Services fees range from $500 to $10,000.

     The typical Financial Consulting Services engagement is 4 – 6 months and may be extended
     by mutual agreement. We will enter into consulting agreements for up to 1 year, as long as we
     are not collecting more than $1,200 in fees in advance for services we cannot deliver within 6
     months.

     If the fee for the engagement is less than or equal to $5,000, then a deposit of 25% of the total
     fee is required before any work begins, with additional payments of 25% each due 30, 60 and
     90 days later.

     If the fee for the engagement is greater than $5,000, then a deposit of 20% of the total fee is
     required before any work begins, with additional payments of 20% each due 60, 90, 120 and
     180 days later.

     Financial Coaching Services fees shall be charged monthly in advance and may range from
     $100 to $1,000 per month based on frequency, service delivery, complexity of the client’s
     financial situation, as well as Prism resources being utilized.

     Estate Planning Services fees range from $250 - $1,500, depending on the type of estate
     planning documents being created and whether the planning service is being provided for an
     individual or a couple. Fees for Prism’s additional services pertaining to estate planning
     documents will be charged on a fixed fee basis with a maximum fee of $2,000. Document and
     service fees shall be charged in advance.

     Estate Planning Services that include estate planning documents provided by EncorEstate plans
     will not be appropriate for every client. Estate Planning Services for a client ineligible for
     EncorEstate Plan documents shall be negotiated separately and follow the Financial Consulting
     Services fee schedule listed above. Clients eligible for EncorEstate Plans documents shall be
     subject to the following fee schedule:

                                                      Single          Married
                  Will-based documents                $ 750           $1,000
                  Trust-based documents               $1,200          $1,500
                  POA package only                    $ 250           $ 500

                  Additional Services available for additional fees:
                   Business Assignment                    $200 per business
                    Deed Prep & Filing                 $500 - $1,100 per deed
                         (subject to                (based on location; includes
                       availability by             recording fees, which may vary
                          location)                  in areas with higher rates)

     Ongoing Advice Services fees shall be $1200 to $10,000 annually, payable either monthly or quarterly,
     in advance, and may be paid either by invoice or by deduction from a non-tax advantaged account held
     at our custodian. These fees are renewable annually. Ongoing Advice Services fees shall be reviewed
     at the Annual SPM. If the Annual SPM is delayed, then the Ongoing Advice Service fee shall be
     continued at the same level until an SPM is held and a new fee is mutually agreed upon.

     Investment Advice Services fees shall be charged an annual rate of 0.50%, in addition to the separate
     fees charged for any Advice engagements with us. Investment Advice fees are billed on a pro-rata
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ITEM 7: TYPES OF CLIENTS
Prism generally offers investment advisory services to individuals, high net worth individuals, charitable
organizations, and other businesses.
While certain of our services have a minimum fee, we do not require a minimum account balance. We believe
that every investor, large or small, deserves thoughtful professional investment advisory services.