Sensible Money LLC

Item 5. Fees and Compensation

           Sensible Money provides ongoing services on a fee-only basis, typically structured as
           an asset-based fee, which includes financial planning and investment management.

           The Juicing® Experience Investment Advisory Fees

           For the Juicing® Experience, after receiving a $1,200 up front deposit, Sensible Money
           charges a blended asset-based fee as follows:

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           Minimum Account Fee for Juicing® Experience Engagements

           Sensible Money requires a minimum annual fee of $12,500 for clients engaging in The
           Juicing® Experience and/or ongoing investment management services. This
           minimum may be satisfied through a combination of: An initial planning fee (as
           described below), and ongoing asset-based fees for investment management
           services. For most clients, the minimum fee is met through the asset-based fee.

           If a client completes Phase 1 (Plan Design) but elects not to proceed with Sensible
           Money for ongoing investment management within 30 days, the remaining balance
           of the $12,500 minimum fee will be due for planning services rendered.

           For clients who proceed with ongoing investment management, they will continue to
           be subject to the minimum annual fee of $12,500, and the asset-based fee that they
           pay Sensible Money each quarter will count toward satisfying the overall $12,500
           minimum fee described above.

           Sensible Money may waive or adjust the minimum fee for clients with portfolios under
           $1,000,000 based on factors such as:

              Expected future earning capacity or asset growth

              Total assets managed across related accounts

              Account composition and existing client relationships

              Pro bono considerations or other discretionary factors

           When a minimum fee applies, clients with portfolios below $1,000,000 will generally
           experience an effective fee rate higher than the standard schedule. Sensible Money
           only accepts smaller portfolios when it determines that managing the assets will not
           create undue investment risk beyond the client’s identified tolerance.

           Direct Fee Debit

           Clients authorize Sensible Money to debit the investment advisory fees directly from
           their accounts. The qualified custodian handling the account provides quarterly
           statements detailing all transactions, including fees paid to Sensible Money.

           Billing & Adjustments

              Initial Billing: Fees for the first partial quarter are prorated and charged in arrears.

              Ongoing Billing: Fees are prorated and charged quarterly in advance, based on
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           Sensible Money Disclosure Brochure

               asset values on the last day of the prior quarter.

              Cash Holdings: The Firm typically includes cash and cash equivalents held in client
               accounts in determining the value of an account for billing purposes; however, the
               Firm may, in its sole discretion, set up a non-billable account to exclude cash or
               other specific holdings in determining the fee. This may apply if a client has a high
               cash balance for reasons unrelated to the Firm's investment management
               decisions, such as holding cash for a home purchase or an upcoming distribution.

              Mid-Period Deposits/Withdrawals:        Fees    do   not   adjust   mid-quarter    for
               contributions or withdrawals.

              Termination: If the advisory agreement is terminated, fees are generally prorated,
               and unearned fees are refunded. However, see below for early termination
               information involving the Juicing Experience.

           The Juicing® Experience Fees

           Sensible Money charges a minimum fee of $12,500 for The Juicing® Experience. It is
           structured as follows:

              Initial One-Time Deposit: $1,200. Initial deposit payments may be made via check,
               cashier’s draft, Zelle, PayPal, or other approved methods.

              For most clients, the remainder of the $12,500 minimum fee is met by the payment
               of their asset-based fee described above under the heading “The Juicing®
               Experience Investment Advisory Fees”.

              Early Termination Clause: If a new client goes through Phase 1: Plan Design and
               chooses not to transfer assets to Sensible Money for management within 30 days
               of plan design completion, the remaining $11,300 balance will become due for
               planning services rendered. Sensible Money, in its sole discretion, reserves the right
               to waive this based on extenuating circumstances.

           Payment Terms:

              Sensible Money does not accept cash or prepaid fees over $1,200 six months in
               advance.

              The terms of service are detailed in the Advisory Agreement.

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            Hourly or Project Planning Fees

            In limited circumstances where the Juicing® Experience service model may not
            make sense, Sensible Money may agree to one or more of the following fee
            arrangements on a project basis:

                  Project Planning Fee - $1,200 to $20,000 depending on the scope of the
                   project.

                  Hourly Planning $200 – $500 per hour, based on the scope of services and
                   professional expertise of the planner providing them.

            Fee Discretion

            Sensible Money may at its sole discretion, negotiate a fee/rate that differs from the
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Item 7. Types of Clients
            Sensible Money offers services to individuals and their trusts and estates, pension and
            profit-sharing plans, and charitable organizations.

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            Sensible Money Disclosure Brochure