Secure Planning LLC

Item 5 Fees and Compensation
The following section describes the fee structures for each asset management program including:

    • The basic fee schedule;
    • How fees are charged;

    • Whether fees are negotiable, when fees are payable, and how fees are refunded if pay
      applicable;
    • Whether the annual fee (depending on a chosen selected Asset Allocation Program) is billed
      monthly or quarterly in arrears based on the asset value on the last trading day of the month or
      the average daily balance; and
    • The annualized fees for discretionary and non-discretionary asset management services are
      based on the following blended tiered fee schedule:

              Assets Under Management                  Maximum Annual Advisory Rate
                    First $500,000                               1.50%
                    Next $500,000                                1.00%
                   Next $1,000,000                               0.85%
                   Next $3,000,000                               0.75%
                   Next $2,000,000                               0.65%
                  Over $7,000,000                                0.55%

At SPI's sole discretion, fees may be negotiated for certain client accounts depending on factors such
as:

    • Amount of assets under management;
    • Range of investments, and complexity of the client's financial circumstances, among others;
    • Family accounts of a client's same household to be aggregated for purposes of determining an
      advisory fee. This consolidation practice allows the benefit of an increased asset base total
      resulting in a reduced advisory fee;
    • SPI family and friends may be allowed negotiated reduced fees; and
    • Large person accounts, institutional accounts, non-profit accounts, and various other factors if
      approved by SPI.

Asset Management Fees for SEI Program

    • SPI fees are calculated based on last day of month or quarter account value and paid in
      quarterly arrears; effective January 1, 2016, fees will be calculated on last day of month or
      quarter value and paid monthly in arrears;
    • Fees and expenses are described in each fund's or variable product's prospectus;
    • Fees may include a management fee, other fund expenses, and a distribution fee;
    • A client may pay an initial or deferred sales or surrender charge;
    • A client could invest in these products directly, without the services of SPI, however a client
      would not receive the customized and management services provided by SPI;
    • A client should review both the fees charged by the program sponsor and advisory fees
      charged by SPI. When invested in mutual funds or money market funds, clients are essentially
      paying two management fees, one to SPI and the other to the manager of the mutual fund or
      money market fund;
    • The initial fee is assessed by pro-rating from the date of inception during the present billing
      period;
    • In calculating the initial fee, SPI considers the inception date to be the date(s) an account's
      assets first becomes available for SPI to manage;
    • SPI shall not allocate and invest assets until a substantial portion of client assets are
      transferred and received by SEI custodian. To reduce transaction cost, client funds are invested
      into a money market fund until a substantial portion is transferred; and
    • If a client requests the entire assets to be invested as received it will be done upon their
      individual request.

When a client closes an account, SEI shall:
   • Charge an account closure fee per account of $75.00;
   • Redeem the fee from the client's money market funds; or
   • In the event a client does not have a money market fund, SPI must provide standing
      instructions regarding which fund to redeem payment from; and
   • Clients may terminate their relationship upon written notice.

Clients in the SEI program shall authorize fees to be paid by "direct debit" from a client's account.
However, SPI is willing to manage a client's account if a client requests to pay SPI's fees directly.

Asset Management Fees for Charles Schwab & Co., Inc. Program

    • SPI monthly fees are calculated based on the value of the account as of the last day of each
      month and paid monthly in arrears;
    • Fees may include a management fee, other fund expenses, and a distribution fee;
    • A client could invest in these products directly, without the services of SPI, however a client
      would not receive the customized and management services provided by SPI;
    • A client should review both the fees charged by the program sponsor and advisory fees
      charged by SPI. When invested in mutual funds or money market funds, clients are essentially
      paying two management fees, one to SPI and the other to the manager of the mutual fund or
      money market fund;
    • The initial monthly fee is assessed by pro-rating from the date of inception during the present
      month;
    • In calculating the initial monthly fee, SPI considers the inception date to be the date(s) an
      account's assets first becomes available for SPI to manage;
    • SPI shall not allocate and invest assets until a substantial portion of client assets are
      transferred and received by SCH's custodian. To reduce transaction cost, client funds are
      invested into a money market fund until a substantial portion is transferred;
    • If a client requests the entire assets to be invested as received it will be done upon their
      individual request; and
    • Clients may terminate their relationship with SPI once notice is given in writing.

SPI will send clients a "Fee Notification" stating the fees due, and the client has the option to have fees
debited from account.

Financial Planning Fees

    • SPI charges a negotiable hourly fee ranging from $150 to $500 depending on the scope and
...

Item 7 Types of Clients
SPI and its IARs provide investment advice to a variety of clients including individuals, trusts, estates,
charitable organizations, pension and profit-sharing plans and corporations. The majority of SPI's
advisory services include recommending asset allocation programs as noted in Item 4.