Quantum Financial Planning Services Inc

Item 5 Fees and Compensation

 Description of Fees
     Quantum charges for its investment advisory services in a number of different
     ways. These include fees based on a percentage of assets under management,
     assets under advisory, hourly charges, fixed fees, or a combination of these. One-
     time and initial financial planning services are priced based on the complexity of
     work associated with the client’s situation. Lower fees for comparable services may
     be available from other sources.

                          Quantum Financial Planning Services Inc.

    All fees are negotiable. Quantum, in its sole discretion, may waive its minimum fee
    and/or charge a lesser investment advisory fee based upon certain criteria (e.g.,
    historical relationship, type of assets, anticipated future earning capacity,
    anticipated future additional assets, dollar amounts of assets to be managed,
    related accounts, account composition, negotiations with clients, etc.).

    Under no circumstances will a fee of more than $1,200 be collected six months or
    more in advance.

    Clients are advised that the investment recommendations and advice offered by
    Quantum does not constitute legal or accounting advice. Therefore, you should
    coordinate and discuss the impact of financial advice with your attorney and/or
    accountant. Clients are advised that it is necessary to inform Quantum promptly
    with respect to any changes in their financial situation, investment goals and
    objectives. Failure to notify Quantum of any such changes could result in
    investment recommendations not meeting the needs of the client.

Fee Billing

    ASSET MANAGEMENT AND ONGOING FINANCIAL PLANNING SERVICES

    We charge an annual percentage fee of the client’s assets under management,
    billed quarterly.

    Our maximum annual fee is 1.25% for our Asset Management services described
    in Item 4 above. We charge a blended fee, which means we charge one rate on
    the first tier of assets under our management and a lower rate on the subsequent
    tiers of assets under our management. Our specific fee is based on several factors,
    including the level of assets to be managed, the complexity of the services to be
    provided, and the overall relationship with us. Relationships with multiple
    objectives, specific reporting requirements, portfolio restrictions and other
    complexities, or instances where a Minimum Fee applies (see below), may be
    charged a higher fee.

    We bill our ongoing asset management fees quarterly in advance or arrears,
    depending on your Client Agreement with us. For new accounts advisory fees are
    pro-rated based on the number of days in the billing period from the date account
    is funded to the end of the billing period and are deducted from the custodial
    account(s) with the next billing cycle.

    Our fees are based on the value of your assets on the last day of the billing period.
    Quantum does not independently value assets; fees are assessed solely on the
    values provided by the custodian or a third-party data aggregator. If the custodian
    or third-party aggregator does not provide an account value for that date, we will
    use the next closest date for which a value is available.

                        Quantum Financial Planning Services Inc.

    Minimum Fee
    Assets under $500,000 any given quarter are billed a flat fee of $1,250 that quarter.
    Our minimum fee is negotiable at the discretion of your planner. Because we
    charge a minimum fee each quarter, a client with total household assets under
    management of less than $500,000 will pay a flat fee of $1,250 that quarter, even
    if total household assets are above $500,000 one or more other quarters during
    the calendar year. Charging a minimum quarterly fee results in a higher annual
    percentage rate than our stated maximum fee for assets over $500,000.

    INITIAL AND ONE-TIME FINANCIAL PLANNING SERVICES FEES
    We charge an hourly fee, or we propose a flat rate based on estimated time
    involved. Our financial planning services fee will be detailed in our Client
    Agreement with you. Under no circumstances will a fee in excess of $1,200 be
    collected six months or more in advance. Our standard hourly fees are:

       $350.00 per planner/hour
       $75.00 per support staff/hour

    Financial planning services are invoiced at one or more interim points during a
    project, or at the end of a project, as described in the client’s Client Agreement.

           INITIAL ASSET ALLOCATION
           A combination of financial planning fees (hourly/flat) discussed above will
           be charged when the work includes several different areas of assistance
           significantly different from the norm or when the assets are expected to vary
           greatly over the period of the agreement.

    ONGOING FINANCIAL PLANNING SERVICES MONTHLY FEE
    We charge an ongoing flat fee each month for our top producing real estate
    professional financial planning service. We discount this fee for clients who also
    use our ongoing asset allocation and monitoring services and have a certain level
    of assets under management with our firm. Your specific monthly fee will be
    detailed in our service agreement with you.

           Assets Under Management                Monthly Fee
           Under $500,000                         $250
           $500,000 to $1 million                 $125
           Over $1 million                        $0

Termination of Agreement
    A client may terminate their Client Agreement with Quantum at any time by
    providing us with written notice (email is acceptable). We will refund any unearned
    fees based on work completed (for flat-rate services), on a pro-rated basis from
    the date we receive the written notice of termination through the end of the billing
...

Item 7 Types of Clients
 Description
     Quantum generally provides investment advice to individuals, small business
     owners, pension and profit sharing plans, trusts, estates, or charitable
     organizations, corporations or business entities.

     Client relationships vary in scope and length of service.
 Account Minimums on Asset Management Service
     While we do not currently have a minimum account size, we do charge a minimum
     fee for clients with total assets under management of less than $500,000. See Item
     5 of this brochure for more information on the fees we charge.