Staib Financial Planning LLC

Item 5 - Fees and Compensation
Staib Financial Planning, LLC is a flat fee-only service provider, which means fees paid by Clients are our only
source of compensation. We do not charge any performance-related fees. We do not sell any products and we
do not receive any commissions. Our sole fiduciary responsibility is to the Client.
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 incurring any advisory fees. How we are paid depends on the type
of advisory service we are performing. Please review the fee and compensation information below.

Ongoing Comprehensive Financial Planning & Investment Management
The annual fees are negotiable at SFP’s discretion, prorated and paid in advance on a quarterly basis. Our fee is
based on a flat fee ranging from $6,500 to $25,000 annually. The fee is mutually agreed upon with the Client prior
to SFP starting work on the Client’s financial plan. The fee determination is based upon the complexity of the
Client’s financial profile, the scope of services provided, and therefore the resources required to service the Client
during the year.
Clients whose annual fees are on the low end of the fee range are Clients whose financial profiles have minimal
complexity. Typical aspects of a Client with minimal financial complexity include, but are not limited to, the
following: single with no children, no ex-spouses or no other dependent persons, a W-2 wage earner as opposed
to self-employed, does not own any real estate, does not own any investments besides liquid publicly traded
securities and pooled investment vehicles, does not have any particular legacy goals for his or her estate, only
retirement accounts, no other income sources besides Social Security and retirement accounts, etc. Clients
whose annual fees are on the high end of the fee range are Clients whose financial profiles contain a high degree
of complexity. Such Clients may include, but are not limited to, business owners, Clients with large holdings of real
estate or other less liquid assets, Clients with highly structured legal estates, Clients whose household has
multiple different investment accounts and holdings, Clients with multiple different sources of income (social
security, pensions, annuities, etc.), etc.
No changes to the annual fee shall be effective without agreement from the Client by signing a new agreement or
amending their current advisory agreement.
Advisory fees can be directly debited from Client accounts or the Client may choose to pay by check or electronic
funds transfer.
Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the amount of
time services were provided during the billing period. An account may be terminated with written notice at least
30 calendar days in advance. Since fees are paid in advance, upon proper notice, any unearned fees Client has
paid to SFP will be refunded pro-rata based upon the number of days remaining in the current quarter.
Financial Planning Fixed Fee
The flat fee for the creation of a financial plan is typically $4,000 to $8,000, depending upon the complexity of
Client’s financial profile, the scope of services provided, and the needs of the Client. Prior to beginning any work
on the financial plan, SFP and the Client will mutually agree upon the total fee for the engagement. Half of the
agreed upon total fee is due and payable prior to SFP beginning the work. The remainder of the total agreed upon
fee is due at the completion of the engagement. Fees will not be collected for services to be performed more than
six (6) months in advance. Fees for this service may be paid by electronic funds transfer or check. In the event of
early termination by the Client, any fees for the hours worked will be due.
Financial Planning Hourly Fee
Hourly Financial Planning engagements are offered at a rate of $500 per hour. This rate is negotiable at SFP’s
discretion based on the complexity of the requested work. Prior to beginning any work, SFP and the Client will
mutually agree upon the total fee for the engagement. Half of the agreed upon total fee is due and payable prior
to SFP beginning the work. The remainder of the total agreed upon fee is due at the completion of the
engagement. Fees will not be collected for services to be performed more than six (6) months in advance. Fees

SFP ADV Part 2A2_B 01-05-2026​                     7 of 17​ ​                        Staib Financial Planning, LLC

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for this service may be paid by electronic funds transfer or check. In the event of early termination by the Client,
any fees for the hours worked will be due.
Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses which
may be incurred by the Client. Clients may incur certain charges imposed by custodians, brokers, and other third
parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer, and
electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual fund
and exchange-traded funds also charge internal management fees, which are disclosed in a fund's prospectus.
Such charges, fees, and commissions are exclusive of and in addition to our fee, and we shall not receive any
portion of these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for Client’s
transactions and determining the reasonableness of their compensation (e.g., commissions).
We do not accept compensation for the sale of securities or other investment products including asset-based
...

Item 7 - Types of Clients
We provide financial planning and portfolio management services to individuals and high net-worth individuals.
We do not have minimum income, asset, or net worth requirements for becoming a Client.