Trailhead Planners LLC

Item 5 - Fees and Compensation
Fees paid to Adviser are for Adviser’s advisory services only. The fees do not include, for
example, the fees charged by third parties such as third-party managers, or
accountants and attorneys assisting with providing the Client with accounting and
legal advice. Commissions on transactions and other account fees will also be charged
by brokerage firms in accordance with the account’s brokerage firm’s normal
commission schedule. See Item 12, Brokerage Practices.
Prospective clients should be aware that in addition to Adviser's advisory fees, each
mutual fund and exchange traded fund in which a client's assets are invested also pays
its own advisory fees and other internal expenses which already have been deducted
from the fund's reported performance. Depending on the fund, a client may be able
to invest directly in the shares issued by the fund with or without incurring any sales
or third-party management fees. Account maintenance fees also are deducted by the
custodian.
In addition, there may be tax effects pertaining to fund share redemptions, and other
sales, recommended by Adviser. Redemptions and sales are taxable events which may
accelerate the recognition of capital gains, and losses, and frequent redemptions and
sales may result in short-term, rather than long-term, capital gains and losses.
The Client should be aware that Adviser feels that its advisory fees are reasonable but
that lower fees may be found for comparable services available through other sources.
Please note that Adviser’s advisory fees, including any fees charged by third party
money manager(s), do not exceed 3% per year.

3 Steps to Embark Financial Planning Engagement

The fee for the 3 Steps to Embark Financial Planning Engagements starts at $6,000
with half payable at the commencement of services and half payable within 30 days of
the last meeting. The 3 Steps to Embark Financial Planning Engagement consists of an

introductory phone call with an adviser, three face-to-face or video chat meetings with
an adviser over three months, a written report provided at the third meeting with a
summary and action items discussed, and email support during the engagement.

The fee is negotiable and/or may be waived in whole or in part by Adviser at its sole
discretion. 3 Steps to Embark Financial Planning Engagements may be terminated by
either party upon notice. Any prepaid unearned fee will be refunded to the client. Any
fee due will be prorated to the date of termination.
Comprehensive Financial Planning – Existing Clients
For existing clients who have signed on prior to January 1, 2022, our ongoing Financial
Planning service consists of an ongoing fixed fee, paid monthly or quarterly in
advance, of $6,000.00 to $100,000.00 per year, depending on the complexity and
needs of the Client. The fee may be negotiable in certain cases. It is calculated using a
sliding scale, which is based on a combination of income, assets, and overall
complexity of each Client’s financial situation. Initial fees are clearly stated in the client
agreement. In the future, retainer fees may increase as income, complexity, and/or net
worth increase. Fee increases will only take effect once the Client indicates their
acceptance in writing.
Fees for this service may be paid by electronic funds transfer or check. Alternatively, at
the discretion of the Client, fees may be debited directly from the Clients’ account by
the custodian upon submission of an invoice to the custodian indicating the account
number and amount of fees to be paid. This service may be terminated with 30 days’
notice. Upon termination of any account, the fee will be prorated, and any unearned
fee will be refunded to the Client.

Guided Wealth Management – New Clients
For new clients who sign with Trailhead after January 1, 2022, our Guided Wealth
Management service bills based on assets under management (AUM) according to
the following fee schedule:

 Value of Assets Under Management          Annual Fee            Quarterly Fee

 First $2,000,000                          1.25%                 0.3125%

 Amounts between $2,000,000 &              1.00%                 0.25%
 $10,000,000
 Amount over $10,000,000                   0.50%                 0.125%

All fees due are set forth in each client’s Investment Advisory Agreement. Advisory fees
are payable quarterly in advance and are calculated on the basis of the market value
of the investments in the account, including any balances held in money market
funds. The fee for the initial quarter is pro-rated for the period that services are
provided. Subsequent fees are based upon the market value of the account as of the
last business day of the previous quarter. Also, the account balances of related
accounts may, at Adviser’s discretion, be combined for fee calculation purposes.
The quarterly fee is adjusted based on net capital flows from the previous quarter in
excess of $25,000.
Upon termination of the Agreement, any pre-paid advisory fees will be prorated, and
any unearned fee will be prorated and refunded. The Investment Advisory Agreement
may be terminated by ten (10) days’ advance notice by the client to Adviser. The
Investment Advisory Agreement may be terminated by ten (10) days’ advance written
notice by Adviser to the client. All fees are negotiable at Adviser's discretion.

Adviser may amend its fee schedule upon thirty (30) days’ advance written notice to the
client.
Fees payable to Adviser for Guided Wealth Management, with the client’s prior
permission, may be automatically deducted from the client's account when due. The
client will receive a report from the custodian that details the assets under
management and the fee amount debited to the client account. Adviser will liquidate
money market shares to pay the fee and, if money market shares or cash value are not
available, other investments will be liquidated. Authorization for the deduction of fees
...

Item 7 - Types of Clients/Minimum Account Size
Adviser makes its advisory services available to a variety of clients including, but not
limited to, individuals, pension and profit-sharing plans, trusts, estates, charitable
organizations, corporations and other business entities.
Adviser does not require a minimum account size, but there may be minimum
account sizes and fees for the services offered by third-party managers, if used.