Spartan Planning & Wealth Management LLC

Item 5 Fees and Compensation

Portfolio Management Services

Our fee for portfolio management services is based on a percentage of the assets in your account and
is set forth in the following annual fee schedule:

Wealth Management Fee Schedule:
Assets Under Management        Annual Fee
First $1,000,000               1.25%
Between $1,000,001-3,000,000    0.95%
Between $3,000,001-5,000,000    0.75%
Assets Over $5,000,000          0.55%

Minimum annual fee = $6,000
Fees are billed quarterly in advance.
Held away (company plan) accounts additionally have a 0.10% fee

We do not require nor solicit payment of Wealth Management fees for more than four (4) months in
advance. Upon engagement Spartan Planning will invoice for the prorated first quarter of fees. When
available, and after first payment of fees, Spartan Planning will automatically deduct fees from client
accounts. If direct deduction of fees is not initiated and/or not available, Spartan Planning will invoice
the client to pay outstanding fees within 30 days of receipt of invoice. We will deduct our advisory fee
only when you have given our firm written authorization permitting the fees to be paid directly from your
account. Further, the qualified custodian will deliver an account statement to you at least quarterly.
These account statements will show all disbursements from your account. You should review all
statements for accuracy.

We encourage you to reconcile our invoices with the statement(s) you receive from the qualified
custodian. If you find any inconsistent information between our invoice and the statement(s) you
receive from the qualified custodian call our main office number located on the cover page of this
brochure.

Initial Wealth Management fees are based on the value of accounts on the date of first transfer.
Thereafter, fees will be based on the value of the accounts on the last day of each quarter. Certain
fees may be negotiable depending on existing/past relationship or if a client has become a widow. In
the event a client / prospect is widowed and after a full review of the widowed client / prospect
circumstances, Spartan will waive some of the fees associated with wealth management services and
with providing financial planning services. The fees waived are associated with the first $250,000 of
AUM managed by Spartan.

You may terminate the portfolio management agreement upon 30 days written notice. You will incur a
pro rata charge for services rendered prior to the termination of the portfolio management agreement,
which means you will incur advisory fees only in proportion to the number of days in the quarter for
which you are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive
a prorated refund of those fees.

401k Plan Management:
Spartan charges a % of assets under management for 401k plan management, just as we do for non-
company-plan assets. That fee varies according to our regular fee schedule. We charge a 0.10% (10
basis point annually) "held away account fee" on these company plan assets. We use Pontera, a third-
party platform, to facilitate management of held-away assets such as defined contribution plan
participant accounts, with discretion. The platform allows us to avoid being considered to have custody
of client funds since we do not have direct access to client log-in credentials to affect trades. We are
not affiliated with the platform in any way and receive no compensation from them for using their
platform. A link will be provided to the client allowing them to connect an account(s) to the platform.
Once client account(s) is connected to the platform, we will review the current account allocations.
When deemed necessary, we will rebalance the account considering client investment goals and risk
tolerance, and any change in allocations will consider current economic and market trends. The goal is
to improve account performance over time, minimize loss during difficult markets, and manage internal
fees that harm account performance. Client account(s) will be reviewed at least quarterly and
allocation changes will be made as deemed necessary."

Account Fees:
For combined households under $250,000 in value there will be a $4/month charge per account.

For new household clients we are charging a 0.1% technology fee on Held Away Accounts we manage
to offset the cost of our held away trading system.

Financial Planning Fees/Rates:
Spartan Planning may, depending on the complexity of the engagement and services rendered, charge
a financial planning fee (typically from $1,500-$5,000) for the initial comprehensive financial plan
provided as a stand-alone plan or as part of our Wealth Management services. As noted above in
Wealth Management Fee Schedule, in the event a client / prospect is widowed and after a full review
of the widowed client / prospect circumstances, Spartan will waive the fee associated with the first
$250,000 of AUM managed by Spartan.

If an agreement to use Spartan Planning’s Wealth Management services is terminated by the client,
30-days written notice will be required to establish the effective termination date of the agreement. Any
prepaid, unearned fees are prorated and will be refunded.

Spartan Planning, in its sole discretion, may terminate a client agreement at any time for any reason
including, but not limited to: a client refusing to provide or concealing pertinent information about
financial information, a relationship that isn’t mutually beneficial.

Other Fees & Expenses
All fees paid to Spartan Planning are separate and distinct from the fees and expenses charged by
mutual funds and/or ETFs to their shareholders as well as fees and expenses charged by custodians
and/or broker/dealers. These fees and expenses are described in each prospectus (in the case of
custodian fees can generally be found on corresponding custodian’s website and fee disclosure) will
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Item 7 Types of Clients
Spartan Planning may provide services to a variety of Client types. Typical clients are individuals, small
businesses, trusts and estates with investable assets between $500,000 and $10,000,000. Spartan
Planning, in its sole discretion, may waive an account minimum based upon certain criteria including,
but not limited to, future expected savings, related accounts, and pro-bono activities.