Think Different Financial Planning LLC

Item 5: Fees and Compensation
Please note, unless a Client has received this brochure at least 48 hours prior to signing an investment advisory
and/or Financial Planning Agreement (collectively, “Client Contract”), the Client Contract may be terminated by
the Client within five (5) business days of signing the Client Contract without incurring any fees. How we are
paid depends on the type of advisory services we perform. Below is a brief description of our fees, however, you
should review your executed Client Contract for more detailed information regarding the exact fees you will be
paying.

Legacy Clients may be billed under a different fee schedule than what is described below.

Wealth Management Services
Fees for wealth management are charged based on a flat annual fee of $18,000, paid quarterly in advance. The
quarterly fee is calculated by dividing the annual fee by four (4).

Our fees are not tied to the value of the client’s investment portfolio. We feel strongly that this structure is the
most equitable to investors and helps to reduce the conflicts of the asset-gathering model. Fees may be negotiable
on a per-client basis.

Clients may select to pay fees through direct deduction from Client accounts held at an unaffiliated third-party
custodian, check, credit card, or electronic funds transfer. Accounts initiated 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 by either party. Upon receipt of any written notice of termination, TDFP will no longer charge
an advisory fee effective immediately or on the date indicated by the Client. Any advisory fee collected in
advance that is unearned will be refunded to the Client.
​

Use of Third Party Managers, Outside Managers, or Sub-Advisors (TAMPs)
Fees billed by GeoWealth Management, LLC, our chosen third party manager, are $1,500 per year when
household assets are less than $10,000,000. The $1,500 fee is included in the $18,000 fee for clients of TDFP
who’ve engaged the firm for Wealth Management Services as described above. ​
​
For example, assuming the non-discounted fee of $18,000, a client with $12,000,000 in assets will pay an annual

fee of $19,500, which includes the outside manager's fee, while a client with $11,999,999.99 will pay an annual
fee of $19,000 (including the outside manager’s fee). Further examples are summarized in the table* below:

*This table is intended for illustration purposes only and is not an exhaustive table of fees applicable to client accounts with
                                                  a greater amount of assets.
​
For accounts utilizing customized index portfolios built by SmartHarvest or Aperio, clients are charged an annual
asset-based fee of 0.20% that is in addition to TDFP’s advisory fee. There is an account size minimum of
$250,000 in order to use customized index portfolios built by SmartHarvest or Aperio.

GeoWealth’s fees are billed quarterly, in advance. When GeoWealth is utilized, they will debit their fee and
TDFP’s fees from the client’s managed account(s) and remit TDFP’s portion to us. For accounts utilizing
customized index portfolios built by SmartHarvest or Aperio, SmartHarvest or Aperio will debit their annual
asset-based fee directly from the clients’ managed account(s) pursuant to written authorization from the client.

Ongoing Comprehensive Financial Planning
Fees for Ongoing Comprehensive Financial Planning are charged based on a flat annual fee of $20,500, paid
quarterly in advance. The quarterly fee is calculated by multiplying the annual fee by the number of days in a
quarter and dividing it by the number of days in the year. Fees may be negotiable on a per client basis. Fees for
this service may be paid by electronic funds transfer, or check.

A Client Contract may be terminated with written notice by either party. Upon receipt of any written notice of
termination, TDFP will no longer charge a financial planning fee effective immediately or on the date indicated by
the Client. Any financial planning fee collected in advance that is unearned will be refunded to the Client.

Project-Based Financial Planning
We also provide financial planning through an hourly fee structure. The hourly rate is $325 per hour, depending
on complexity. An estimate of the number of hours needed to complete the project will be agreed upon at the
signing of the Agreement. The fee may be negotiable in certain cases. Half of the estimated fee is due upon
signing the Agreement, the remainder is due upon completion of the engagement. In the event of early termination
by the Client, any fees for the hours already worked will be due. Fees for this service may be paid by electronic
funds transfer (EFT), credit card, or check.
​

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 sales
charges or service fees from the sale of mutual funds.

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

We do not have a minimum account size requirement to open or maintain an account under our management.
However, third-party managers may have their own account minimums. Please refer to the third-party managers
Form ADV and/or investment advisory agreement to see if your account requires a certain minimum threshold.