PUFF Wealth Management LLC

ITEM 5 – FEES and COMPENSATION
The following paragraphs detail the fee structure and compensation procedures for
services provided by HFP. Additionally, the fee rates or other compensation rates
attributable to each client will be set forth in the fee schedule section of your Client
Agreement contract with HFP.
The fee rate applicable to your account is generally based on the value of the assets in your
account. Notwithstanding the foregoing, HFP and the client may agree to a rate less than
the maximum rate. The extent to which HFP may agree on a fee rate that is less than the
maximum rate rests solely with HFP’s discretion.
HFP may provide consultation services or a financial plan pursuant to a Financial
Planning Service Agreement. The hourly rate for same is $250. Fees for Financial
Planning Services will be billed hourly and statements for services provided will be sent
to the Client each quarter. The fees shall be collected by check from Client.
                        Fees for Financial Planning Services
HFP will never require payment of more than $500 in fees more than six (6) months in
advance.
                        Fees for Asset Management Services

              PUFF WEALTH MANAGEMENT LLC DBA HADDONFIELD FINANCIAL PLANNING LLC
                                               Form ADV Part 2A – Disclosure Brochure

HFP may provide asset management services (i.e., investment advisory services) to clients
in addition to other services. The fee for services is based on a percentage of the market
value of the assets under management. Advisory fees are payable monthly, in arrears,
and shall be calculated by multiplying the aggregate market value of the account assets
under management with the client’s corresponding fee schedule on the Advisory
Agreement. The market value of the assets under management shall be based on the
market value of the managed assets as of the last calendar business day of the month.
This fee is negotiable. HFP’s current fee schedule is as follows:
             For the first $1,000,000           1%
             For $1,000,000 to $5,000,000       .9%
             Accounts over $5,000,000           Negotiable
                                        Annuities
When you invest in annuities, you will be subject to fees and charges that are specific to
that annuity product, however, HFP will not charge any additional fees for an annuity
product. Any fee charged to you by the annuity company, will be presented in your
annuity contract between you and the annuity insurer/insurance company. The fees and
charges associated with annuities may include, but not limited to, expense risk charges,
administrative and distribution fees, mortality charges, charges for optional benefits, and
surrender charges. The terms of the annuity are set forth in the contract between you and
the annuity insurer/insurance company. For a complete understanding of the fees and
charges specific to that annuity product, please see your annuity contract. Again, HFP
does not charge an additional fee for an annuity product.
                              Fixed Fee Compensation
HFP may offer fixed fee compensation pursuant to a Financial Planning Agreement.
HFP’s for fixed fee compensation for financial planning shall be established in a written
services agreement (Financial Planning Agreement) and the amount of the fixed fee may
vary. Fees may vary for several reasons, including, but not limited to, the amount of
estimated services anticipated, the size and complexity of the Client’s financial portfolio
and the anticipated services to be provided. Fees shall be collected upfront from the
client.
                              Other Fees and Expenses
Asset management fees may be in addition to any fees and/or expenses of any mutual
fund, separate account management, limited partnerships (proprietary or external), or
other manager as the case may be. Such fees are required to be disclosed separately by
the respective disclosure documents of the particular investment.
HFP does not cover:
      -   Transaction charges on trades effected through or with an unaffiliated
          investment firm;

              PUFF WEALTH MANAGEMENT LLC DBA HADDONFIELD FINANCIAL PLANNING LLC
                                               Form ADV Part 2A – Disclosure Brochure

      -   Any charge or commission that is incurred in connection with effecting
          a transaction for your account;
      -   Transfer taxes;
      -   Electronic fund, wire and other account transfer fees;
      -   Fees and expenses associated with your use of an unrelated custodian
          account; and
      -   Any other charges imposed by law, regulation, or otherwise agreed to
          with regard to your account.

                             Retainer Agreements

Clients may retain HFP for financial planning services with payment of a retainer
agreement. If a retainer agreement is selected, pursuant to the Financial Planning Service
Agreement, Client may pay HFP a retainer as set forth in the Agreement and remit the
balance of payment thereafter upon either completion and representation of the financial
plan or upon completion of consultation services.

In no event will HFP ever require payment of more than $500 in fees more than six
months in advance.

                                  Deduction of Fees
The specific manner in which we charge fees is established in the Client’s written Advisory
Agreement. HFP generally will bill fees in arrears each calendar month directly from the
Client’s account, unless otherwise specified in writing between the Client and HFP. Fees
shall be prorated for each capital contribution and withdrawal made during the applicable
calendar month, with the exception of de minimis contributions and withdrawals.
Upon termination of any account, any prepaid, unearned fees, if applicable, will be
refunded, and any earned, unpaid fees will be due and payable to HFP.
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ITEM 7 – TYPES OF CLIENTS
HFP offers investment advisory services to a wide range of clients, including:
      -   Individuals and Families
      -   High-Net Worth Individuals and Families
      -   Trusts and Estates
      -   Institutional Clients
      -   Pensions and Profit-Sharing Plans
      -   Charitable Organizations
Minimum Investment Amounts Required.
HFP recommends a minimum account size of $250,000, however, we reserve the right to
implement higher account minimum and/or waive any such account minimums at the
discretion of the Firm.
Program Minimums
HFP does not generally adhere to a minimum asset requirement for a client. There are,
however, certain strategies and investment products that may require a minimum
investment amount.