Prism Planning Partners LLC

Item 5 – Fees and Compensation

In certain circumstances, all fees, account minimums and their applications to family circumstances may be
negotiable.

Prism has contracted with Focus Partners Advisor Solutions for services including trade processing, collection
of management fees, record maintenance, report preparation, marketing assistance, and research. Prism has
also contracted with FPAS for sub-advisory services with respect to clients’ accounts. Prism pays a fee for
FPAS’s services based on management fees paid to Prism on accounts which use FPAS. The fee paid by Prism
to FPAS consists of a portion of the fee paid by clients to Prism and varies based on the total client assets
administered and/or sub-advised by FPAS through Prism. These fees are not separately charged to advisory
clients. The fee charged by Prism to its clients includes all sub-advisory fees charged by FPAS.

The specific manner in which fees are charged by Prism is established in a client’s written agreement with
Prism. Investment Management clients will be invoiced in advance at the beginning of each calendar quarter
based upon the value (market value based on independent third-party sources or fair market value in the
absence of market value; client account balances on which Prism calculates fees may vary from account
custodial statements based on independent valuations and other accounting variances, including mechanisms
for including accrued interest in account statements) of the client’s account at the end of the previous quarter.
New accounts are charged a prorated fee for the remainder of the quarter in which the account is incepted
(date of account transfer).

For Investment Management Services, Prism will request authority from the Client to receive quarterly
payments directly from the client's account held by an independent custodian. Clients may provide written
limited authorization to Prism or its designated service provider, FPAS, to withdraw fees from the account.
Clients will receive custodial statements showing the advisory fees debited from their account(s). Certain
third-party administrators will calculate and debit Prism’s fee and remit such fee to Prism.

A client agreement may be canceled at any time, by either party, for any reason upon receipt of thirty (30)
days’ written notice. Upon termination of any account, any prepaid, unearned fees will be promptly refunded.

The Client has the right to terminate an agreement without penalty within five (5) business days after entering
into the agreement.

Prism’s fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses
which shall be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, third
party investment and other third parties such as fees charged by managers, custodial fees, odd-lot
differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions. Mutual funds and exchange traded funds also charge internal
management fees, which are disclosed in a fund’s prospectus. These fees will generally include a management
fee and other fund expenses. All fees paid to Prism for investment advisory services are separate and distinct
from the fees and expenses charged by mutual funds and ETFs to their shareholders.

Such charges, fees and commissions are exclusive of and in addition to Prism’s fee, and Prism shall not receive
any portion of these commissions, fees, and costs.

Investment Management Services
The annual fee for investment management services will be charged as a percentage of assets under
management, according to the schedule below:

                      Assets Under Management                           Annual Fee (%)
                        On the first $1,000,000                            1.25%
                        On the next $1,000,000                             1.00%
                       On all amounts thereafter                           0.50%

Prism generally requires a minimum portfolio size of $500,000 for Investment Management Services. Smaller
portfolios may be accepted, for example, based on the expectation that the account will reach the portfolio
minimum through additional client contributions.

All accounts for members of the client’s family (husband, wife and dependent children) or related businesses
may be assessed fees based on the total balance of all accounts.

Independent Manager Fees
As stated above in Item 4, Prism (in coordination with the client) may decide to implement AQR as an
Independent Manager for the management of portfolios of individual securities. In these instances, AQR will
charge its own separate and distinct fee from Prism’s advisory fees, which are noted above. Clients grant AQR
authority at the client’s custodian for AQR to directly debit client accounts for AQR’s fee. Additionally, clients
are required to sign an advisory agreement addendum with Prism which outlines these additional fees.

Financial Planning Services
Fees for financial planning services are generally charged a flat rate of $6,500. Where a client has unique
circumstances with additional scope and complexity, the flat rate may be higher. For high-net-worth
individuals requiring more advanced strategies which may include needs such as business or business start-up
assistance including research and due diligence; asset disposition strategies; teaming with outside
professionals; and substantial one-on one contact, fees scale up accordingly. These arrangements will be
defined and agreed upon by both parties via the financial planning agreement. For clients who also engage

Prism for investment management services, we may waive or offset all or a portion of its fees for the financial
planning and/or consulting services.

In certain circumstances, Client and Prism may agree to reduced financial planning services at a reduced
...

Item 7 – Types of Clients

Prism provides services to individuals, high-net-worth individuals, trusts, estates, and corporations.

Prism generally requires a minimum account size of $500,000 for Investment Management Services. Minimum
account sizes may be negotiable under certain circumstances.