True Freedom Investing LLC

Item 5: Fees and Compensation

subscriptions, and each year for annual subscriptions. SP sends the client an email notification a
week before each auto renewal.
SP offers a 30-day money-back guarantee for Sherman Launch System (SLS) subscribers enrolled
in the monthly payment plan. To qualify for a refund under the guarantee, the subscriber must
have completed their implementation meeting with SP’s Vice President of Advisor Success
within the first 30 days of their subscription. Cancellation requests must be submitted in writing,
via email to the designated SP support email address or through the official cancellation portal
(if applicable), within the first 30 calendar days of the subscription start date. Refunds will be
processed within 14 business days of approval, and funds will be returned to the original
payment method. SP reserves the right to amend or terminate the 30-day money-back
guarantee at any time without prior notice, except for existing subscribers currently within their
30-day eligibility period. Please note, annual subscribers are not eligible for this guarantee.

C. Additional Client Fees Charged
The fees charged by SP do not include fees charged by the client’s third-party investment
adviser, exchange-traded funds, or any broker-dealer or custodian selected by the client. In the
case of an exchange-traded fund, fees and charges are disclosed in the respective fund’s
prospectus. Clients are advised to read these materials carefully before investing.
Please refer to the Brokerage Practices section (Item 12) for additional information regarding the
firm’s brokerage practices.

D. External Compensation for the Sale of Securities to Clients
SP’s advisory professionals are compensated primarily through a salary and bonus structure. SP’s
advisory professionals may receive commission-based compensation for the sale of insurance
products. Please see Item 10.C. for conflicts of interest.

Item 7: Types of Clients
SP is an independent investment management firm providing consulting and asset management
services as a sub-adviser to various third-party investment advisers, which then offer such model
portfolios to their clients.
For investment management services, SP generally imposes a minimum account size of $5,000
for all model portfolios. The account minimum may be waived by the firm in its sole discretion.