Seed Planning Group LLC

Item 5 – Fees and Compensation

 The following section details the fee structure and compensation methodology for services provided by SEED.
Each client who engages SEED for services is required to sign an Investment Advisory Agreement, Wealth
Management Services Agreement, and Scope of Work, as applicable.

    A. Wealth Management Services
SEED provides wealth management services to individuals and families tailored to support clients and their
families through every stage of life. Wealth management includes values-based financial planning, tax planning,
coordinated estate planning, and integrated investment management and/or advice. Services are provided
subject to the client’s Scope of Work. Wealth management clients pay a minimum annualized fee of $16,000.
SEED reserves the discretion to offer discounts to select clients whereas their minimum fee will be $8,000.
Investment management fees collected from client accounts may be credited against the minimum annualized
fee. Clients of SEED prior to April 1, 2026 may have different fee schedules due to discontinued pricing and
programs.

    B. Investment Services
SEED’s investment management, investment advice, and consulting services are offered through the investment
division, also referred to as Sift Investment Management (Sift).

           a. Investment Advice and Consulting Services
              Sift offers a range of advice and consulting services including 3rd party portfolio reviews, fiduciary
              consulting, investment manager oversight, RFP search, IPS design, 3(21) ERISA fiduciary services.
              All services are subject to a Scope of Work and prices will vary depending on capacity, subject
              matter, expertise required, value of the work, and professional time required.
           b. Investment Management Services
              SEED’s investment management fee is exclusive of, and in addition to, brokerage fees,
              transaction fees, and other related costs and expenses (collectively referred to as “other costs”),
              which may be incurred by the client. SEED does not receive any portion of these other costs.
              Investment advisory fees are paid quarterly, in advance of each quarter, pursuant to the terms of
              the Investment Advisory Agreement and are based on the market value of assets under
              management at the end of the previous month. Investment advisory fees may be as high as 2%
              per annum with a minimum fee of $2,500 may be applicable. Fees are based on each client’s
              Scope of Work. Clients should refer to their Investment Advisory Agreement for additional
              information.

S.E.E.D. Planning Group, LLC ADV 2A                                                      (2026-7-6)

   C. Fee Billing

           a. Wealth Management Services
              Wealth management minimum fees may be collected via investment management fees, in
              advance, or via a payment plan specific to the Scope of Work. Charges may be paid from credit
              card, ACH, or via a designated investment account(s).
           b. Investment Advice and Consulting Services
              Job-based charges are paid in advance or via a payment plan specific to the Scope of Work. Hourly
              charges may be billed no more often than monthly. Charges may be paid via credit card, ACH, or
              via a designated investment account.
           c. Investment Management Services
              Investment management fees are calculated by SEED and deducted from the client’s account at
              their custodian. Some custodians calculate fees on SEED’s behalf. The amount due is calculated by
              applying the periodic rate to the total assets under management at the end of the most recently
              completed quarter. Clients are provided with a statement, at least quarterly, from their custodian
              reflecting the deduction of the investment management fee. It is the responsibility of the client to
              verify the accuracy of these fees as listed on the custodian’s brokerage statement. Clients provide
              written authorization permitting SEED to be paid directly from their accounts held by their
              custodian as part of the Investment Advisory Agreement and separate account forms provided by
              the custodian.

   D. Advance Payment of Fees and Termination

           a. Wealth Management, Investment Advice, and Consulting Services
              SEED charges fees on a one-time, periodic, annual, or hourly basis for non-investment
              management services. Either party may terminate the agreement at any time by providing
              written notice to the other party. Upon termination, the client shall be billed per the terms of
              their Scope of Work and may not be entitled to a refund and may still be responsible for the
              remaining balance due to SEED, subject to a five (5) day free-look period policy for specific
              services.
           b. Investment Management Services
              SEED is compensated for services in advance of the quarter in which the investment advisory
              services are rendered. Either party may terminate investment management services by providing
              written notice to the other party. Clients are responsible for investment management fees up to
              and including the effective date of termination. Upon termination, prepaid unearned fees are
              refunded from the effective date of termination to the end of the billing period. The client’s
              Investment Advisory Agreement is non-transferable without written approval.

    E. Other Costs
Clients may incur other costs imposed by third parties, other than SEED, in connection with investments made
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Item 7 – Types of Clients

SEED offers investment advisory services to individuals, high net worth individuals, trusts, estates, non-profits,
businesses, and retirement plans. The relative percentage of each type of client is available on SEED’s Form
ADV Part 1. These percentages will change over time. In general, we require a minimum fee of $2,500 to
establish an investment advisory relationship. This minimum fee requirement may be waived at our discretion.