Seedsafe Financial LLC

Item 5: Fees and Compensation
Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the client within five
(5) business days of signing the contract without penalty. How we are paid depends on the type of advisory
service we are performing. Please review the fee and compensation information below.

All fees listed below are negotiable based upon certain criteria, such as the complexity of the client’s
portfolio, the level of expertise required to provide services, the staff time involved in servicing the client,
legacy pricing, client householding, dollar amount of assets to be managed, employee friends and family
relationships, and pro bono activities among other factors we deem appropriate.
Investment Management Services

The fee is based on a percentage of assets under management. The annualized fees for investment
management services are based on the following fee schedule:

                 Category                        SeedSafe Full Service              Canopy by SeedSafe

 Investment Portfolio Assessment                            ✓                                 ✓

 Asset Allocation and Analysis                              ✓                                 ✓
 Asset Location Strategy                                    ✓                                 ✓
 Tax-Efficient Investment Strategy                          ✓                                 ✓

 Backdoor Roth Planning                                     ✓                                 ✓

 Concentrated Stock Strategy                                ✓                                 ✓

 Tax Loss Harvesting                                        ✓                                 ✓
 Lump Sum Investing Strategy                                ✓                                 ✓
 Ongoing Investment Plan Review                             ✓                                 ✓
 Implementation                                             ✓                                 ✓
 Fees                                               0.50% up to $2M                 0. 75% up to $2M
                                                    0.25% over $2M                   0.25% over $2M
                                                     *No minimum                *$600K minimum or $4,500
                                                                                   minimum annual fee

The annual advisory fee is paid quarterly in arrears based on the value of Client’s account(s) as of the last

day of the billing period. The advisory fee is a blended fee. For example, for assets under management of
$3,000,000 under Canopy, a Client would pay 0.75% on the first $2,000,000 and 0.25% on the remaining
balance. The formula for the quarterly fee is determined by the following calculation: (($2,000,000 x
0.75%) + ($1,000,000 x 0.25%)) ÷ 4 = $4375. No increase in the annual fee shall be effective without
agreement from the client by signing a new agreement or amendment to their current advisory agreement.

The above listed fee schedule does not include the Outside Manager’s fee. Dimensional Fund’s SMA
platform fee is 0.29% for the direct security sleeve (the SMA strategy). The Outside Manager will deduct
the fees from the client’s account.

Total client fees will not exceed 3% of assets under management when a third-party investment adviser is
used.

Advisory fees are directly debited from client accounts, or the client may choose to pay by check. Accounts
initiated or terminated during a calendar quarter will be charged a prorated fee based on the amount of time
remaining in the billing period. An account may be terminated with written notice at least 30 calendar days
in advance. Since fees are paid in arrears, no rebate will be needed upon termination of the account. Legacy
clients may have a different fee schedule and termination period that was applicable at the time such legacy
clients signed an advisory agreement with us.

Comprehensive Financial Planning
Comprehensive Financial Planning consists of an initial financial planning project (between $4,500 to
$23,500) and an ongoing fee that is paid monthly or quarterly in advance, at the rate of $375.00 to
$2,000 per month. The fee is determined based on the estimated working hours to accomplish the tasks to
meet the objectives and needs of the client. Upon termination of any financial planning engagement, any
unearned fees will be pro-rated and returned to the client. The prorated fee will be calculated based on the
total prepaid fees less the percentage of financial planning deliverables completed.
Fees are collected via electronic funds transfer, credit card, or debit card. Cash or check will not be
accepted. SSF does not require or solicit prepayment of more than $1,200 in fees per client six months in
advance.
The Comprehensive Financial Planning Fees are based on estimated hours of work for the initial year of
planning to be done and then on an ongoing quarterly basis following the first year. The initial engagement
is for a term of one year, however, this service may be terminated with 30 days’ notice. We will continue the
engagement for clients who wish to continue working with SSF after the first year.

To the extent a client’s financial life increases in complexity such that it expands the nature and extent of the
Comprehensive Financial Planning services rendered by SSF, an additional fee shall apply. The specific
complexity-based additional fees are listed below:
   ●​   Purchasing a rental property: $900 for the year of purchase
   ●​   Business ownership/starting a business: $1,500 per year of ownership
   ●​   Public Offering - S-1 filing: $3,000 per year for the first two years
   ●​   Merger / Acquisition: $2,000 for the first year of purchase
SSF will provide at least 30 days’ advance written notice before any additional complexity-based fees
...

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals, and high net-worth
individuals.

Our minimum account size requirement is $600,000 to open or maintain an account under our
management under our Canopy Service. SSF may reduce or waive the minimum account size
requirement on a case-by-case basis.