Prosperity Planning Inc

Item 5. Fees and Compensation

PORTFOLIO MANAGEMENT SERVICES FEES
The annualized fee for Portfolio Management Services is charged as a percentage of assets under management, according
to the following schedule*:

                             Amount Managed                                                                           Annual
                                                                                                                       Fee
                                $0 - $500,000                                                                         1.15%

                          $500,001 - $1,000,000                                                                       0.80%

                          $1,000,001 - $2,500,000                                                                     0.70%

                          $2,500,001 - $5,000,000                                                                     0.60%

                        $5,000,001-$10,000,000                                                                        0.50%

                              Over $10,000,000                                                                        0.30%

*This is a blended fee schedule. For example, a $1,000,000 account would be billed as follows: 1.15% of the first $500,000 and 0.8% of the remaining $500,000.
The effective fee would be 0.96%.

Our fees are billed quarterly, in advance, at the beginning of each calendar quarter based upon the market value of the client’s
account at the end of the previous quarter. Fees will be debited from the account in accordance with the client authorization
in the Investment Advisory Agreement.

The initial fee will be based on the opening value of the Account and pro-rated from the date of the initial deposit to the
end of the current quarter. Thereafter, the fee will be based on the Account value on the last business day of the prior
calendar quarter. We will also prorate our fee for contributions or withdrawals of $25,000 or more made on a single day.
The value of the account will be determined by the Custodian in accordance with its normal procedures and such
determination will be binding on the parties to this Agreement. The client authorizes us to direct or instruct the Custodian
and further authorize the Custodian to pay the Advisory Fee from the Account directly to us in accordance with the fee
schedule as shown in the client’s investment advisory agreement.

A minimum of $500,000 of assets under management is required for this service. Portfolio Management clients meeting the
investment minimum are eligible to receive financial planning services at no additional charge.

Limited Negotiability of Advisory Fees and Investment Minimums: Although Prosperity Planning, Inc. has established the
aforementioned fee schedule, we retain the discretion to adjust fees and investment minimums on a client-by-client basis.
Client facts, circumstances and needs are considered in determining the fee schedule and investment minimums. These
include the complexity of the client, assets to be placed under management, anticipated future additional assets, related
accounts, portfolio style, account composition, reports, among other factors. The specific annual fee schedule is identified
in the contract between the adviser and each client.

We may group certain related client accounts for the purposes of achieving the minimum requirements and determining the
annualized fee.

Discounts, which are not generally available to our advisory clients, may be offered to family members of associated persons of
our firm.

FINANCIAL PLANNING SERVICES
Financial Planning Provided in Conjunction with Portfolio Management Services
For some Portfolio Management Services clients, including those meeting the investment minimum, we provide financial
planning services. These services may vary from client-to-client but could include one or more of the following topics:
retirement planning, college funding, tax planning, portfolio analysis, investment management, risk management, estate
planning, and other areas.

Financial Planning for a Fee
Prosperity Planning, Inc. also offers financial planning services to clients. Specific services provided will vary from client-
to-client but could include one or more of the following topics: retirement planning, college funding, tax planning, portfolio
analysis, investment management, risk management, estate planning, and other areas. Fees for this service range from
$750-$2500 per quarter and are determined based on the nature of the services being provided and the complexity of each
client’s circumstances. All fees are agreed upon prior to entering into a contract with any client and are billed in advance.

Divorce Financial Planning for a Fee
Prosperity Planning, Inc. also offers divorce financial planning services to clients. For some Portfolio Management Services
clients, including those meeting the investment minimum, we may waive the fee for divorce financial planning services.
Specific services provided will vary from client-to-client but will include meetings covering topics such as: Financial planning,
goals planning, tax planning, valuing certain assets such as private investments and stock compensation, budgeting,
identification of marital and non-marital assets and debts, review impacts of settlement options, identify which options align
with goals, create a detailed checklist to implement the divorce agreement and property settlement, and ongoing financial
planning following divorce finalization. Fees for this service have an up-front fee of $2,500 plus a monthly fee of $500 for
ongoing divorce financial planning. This monthly fee is charged from the start of our engagement and runs through divorce
decree finalization.. All fees are agreed upon prior to entering into a contract with any client and are billed in advance.
...

Item 7. Types of Clients
Prosperity Planning, Inc. provides advisory services to the following types of clients:

 • Individuals (other than high net worth individuals)

 • High net worth individuals

 • Pension and profit sharing plans (other than plan participants)

 • Charitable organizations

 • Corporations or other businesses not listed above