Stage 2 Planning Partners LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

Total Assets Under Management           Annual S2P Fee
Up to $1,000,000                        1.00%

$1,000,001 – $2,000,000                 .75%

$2,000,001 – And Up                     .50%

The advisory fee is calculated using the value of the assets on the last business day of the
prior billing period.

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the Investment Advisory Contract. Clients may terminate the agreement without penalty
for a full refund of S2P's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract
immediately upon written notice.

Separate from the fees charged by S2P, clients will pay a platform fee to AssetMark, Inc.
This fee varies depending on the strategy selected for the client by S2P. The total fee (S2P

fee plus platform fee) paid by the client on the account will be specified in the Client
Service Agreement contained in the separate AssetMark Application Form signed by the
client. For clients in Vermont, the total fee shall not exceed 2% annually. The platform
fees are also described in the AssetMark Platform Disclosure Brochure that is provided to
the client. The platform fee is charged as a percentage of the client’s assets on the platform
and is a wrap fee which includes transaction costs.

Pension Consulting Services Fees

        Total Assets Under Management           Annual Fees
        Up to $2,000,000                        1.00%

        $2,000,001 – $3,000,000                 .75%

        $3,000,001 – $4,000,000                 .70%

        $4,000,001 – 5,000,000                  .60%

        $5,000,001 and up                       .50%

The advisory fee is calculated using the value of the assets on the last business day of the
prior billing period

These fees are generally negotiable and the final fee schedule is attached as Exhibit II of
the pension consulting agreement. Clients may terminate the agreement without penalty
for a full refund of S2P's fees within five business days of signing the pension consulting
agreement. Thereafter, clients may terminate the pension consulting agreement
immediately upon written notice.

Financial Planning Fees

The negotiated hourly fee for these services is between $100 and $425.

S2P charges either a flat fee or an hourly fee for financial planning. Flat fees range from
$250 to $5000 depending on plan complexity. Hourly fees range from $100 to $425 per
hour based on subject matter and plan complexity. also may charge clients a maximum of
$5,000 flat fee for a financial plan. S2P and the client will decide together which fee format
will be used. Either a flat fee or an hourly rate will be charged for financial
planning. Clients may terminate the agreement without penalty for a full refund of S2P's
fees within five business days of signing the financial planning agreement. Thereafter,
clients may terminate the financial planning agreement immediately upon written notice.

Educational Seminars/Workshops

S2P provides periodic educational seminars and workshops to clients and their friends or
family members.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in advance.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in advance.

Payment of Financial Planning Fees

Hourly financial planning fees are paid via check, in arrears on completion of the plan.
Fixed financial planning fees are paid via check.

Payment of Educational Seminars/Workshops Fees

Educational seminars and workshops are offered free of charge.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, platform fees, etc.). Those fees are separate and distinct
from the fees and expenses charged by S2P. Please see Item 12 of this brochure regarding
broker-dealer/custodian. Platform fees charged by AssetMark, Inc. are described in the
Application Form signed by clients and in the AssetMark Platform Disclosure Brochure
provided to clients.

D. Prepayment of Fees

S2P collects fees in advance. Refunds for fees paid in advance will be returned to client's
account or via a check within one quarter.
For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
the fees collected in advance minus the daily rate* times the number of days elapsed in
the billing period up to and including the day of termination. (*The daily rate is calculated
by dividing the annual asset-based fee rate by 365.)

       E. Outside Compensation For the Sale of Securities to Clients

       Neither S2P nor its supervised persons accept any compensation for the sale of investment
       products, including asset-based sales charges or service fees from the sale of mutual
       funds.

Item 7: Types of Clients

S2P generally provides advisory services to the following types of clients:

               ❖      Individuals
               ❖      High-Net-Worth Individuals
               ❖      Pension and Profit Sharing Plans
               ❖      Businesses and Business Owners

There is no account minimum for any of S2P’s services.