United Planners' Financial Services of America A Limited Partner

Item 5: Fees and Compensation
A.   Fees for Financial Planning and Consulting Services
     1.   The fee for financial planning and consultation services is commonly referred to as the “Financial
          Planning/Consulting Fee.” Financial Planning/Consulting Fees for individual and business financial plans
          and consultations are based upon the complexity of the work, the professional level of the IAR providing the
          service and other general market factors. The amount and payment of Financial Planning/Consulting Fees is
          determined in your individual arrangement with your IAR. Because your Financial Planning/Consulting Fee
          may be negotiated, it therefore may be higher or lower than the Financial Planning/Consulting Fees paid by
          other clients of your IAR or the Financial Planning/Consulting Fee charged by other United Planners IARs for
          similar services. You and your IAR will agree to a fixed or hourly Financial Planning/Consulting Fee that can
          be one-time fee or ongoing fee and will be established in your Financial Planning and Consultation
          Services Agreement. In some cases, your IAR may charge an initial fee (i.e., set-up fee or establishment
          fee) which can be different than an ongoing maintenance type of fee to keep any such planning or consulting
          on track.
     2.   The IAR may request up to half of the estimated total Financial Planning/Consulting Fee be due upon the
          signing of the agreement (i.e., a deposit) with the balance due upon the delivery of the recommendations or
          financial plan. If IAR collects more than $1,200 in advance, then the respective services must be rendered

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          within six (6) months (If the respective services are not rendered within six months, this triggers a requirement
          for the IAR to provide independently audited financials of UP, which IARs are not in the position to do).
     3.   You may terminate your agreement without penalty within five (5) business days of when you sign it.
          Thereafter, either you or United Planners may terminate the agreement upon written notice to the other party.
          After this 5-day grace period, you are entitled to a refund of any prepaid Financial Planning/Consulting Fees
          less a charge for the time your IAR has already spent on preparing the plan up to the point of termination
          based upon the rate agreed upon in the agreement.
     4.   Implementation of Recommendations:
          a.   Commission-Based Products: As previously referenced in Item 4, most IARs are also RRs of United
               Planners (in its BD capacity) and may also be a licensed insurance agent of United Planners or an
               independent insurance agency. If you purchase commission-based securities products or commission-
               based insurance products from your IAR, they will be acting in the capacity of a RR and will likely receive
               a sales commission and may also receive ongoing compensation in the form of a trail/servicing fee from
               the product sponsor. Any commissions paid to United Planners may be higher or lower than at other
               BDs. RRs are only permitted to offer those commission-based products that have been approved by
               United Planners in the capacity of a BD.
          b.   Compensation Conflicts of Interest: You are not required to implement recommendations from a financial
               plan and/or consultation through your IAR and may use the BD, IA, or insurance company of your choice.
               However, if the financial plan is implemented through your IAR and compensation (via commissions or
               fees) is earned, such compensation may be used to offset some or all the cost of the financial plan, as
               negotiated and agreed upon between you and your IAR. Because United Planners and/or the IAR may
               receive compensation when implementing a financial plan (i.e., commission-based compensation as a
               RR or fee-based compensation as an IAR), please be advised these different forms of compensation can
               present a conflict of interest.
          c.   Insurance Products: Financial plans will not include specific recommendations concerning the purchase,
               termination, or exchange of any life insurance contract. Such services are provided only in the IAR’s
               separate capacity as a licensed insurance agent.

B.   Fees for Portfolio Management Services
     1.   The fee for portfolio management services is commonly referred to as the Advisory Fee (aka Management
          Fee). The Advisory Fee for portfolio management services is based upon the complexity of knowledge, skill,
          technology, and access warranted to satisfy the needs of a client. The Advisory Fee may also include other
          ancillary financial planning and consulting services as previously referenced. The amount and payment of the
          Advisory Fee is determined in your individual arrangement with your IAR. Because your Advisory Fee may
          be negotiated and varies based upon the complexity of services warranted, it may be higher or lower than the
          Advisory Fee paid by other clients of your IAR or the Advisory Fee charged by other United Planners IARs for
          similar services. You and your IAR will agree to an Advisory Fee that is established in your IA agreement.
...

Item 7: Types of Clients
A.   Type of Clients
     1.   United Planners can provide IA services to a variety of different types of clients, such as: individuals, trusts,
          estates, charitable organizations, corporations, pensions, retirement plans and profit-sharing plans. IARs may
          provide advisory services to all these types of clients or just a subset depending upon their individual business
          model.

B.   Account Minimums
     1.   Pershing Accounts
          a.   DIY has a minimum initial account size of $10,000.
          b.   UPlan has a minimum initial account size of $25,000.
          c.   UPlan II has a minimum initial account size of $100,000.
          d.   Exceptions to these account minimums may be granted on a case-by-case basis at the sole discretion of
               United Planners.
     2.   TPC Accounts
          a.   United Planners has a general guideline of $10,000 account minimum for accounts held at TPCs (i.e.,
               Axos, Fidelity, Schwab). However, low balance accounts may be acceptable if they are part of a larger
               household portfolio management arrangement (i.e., household and/or large family relationships).
               Additionally, the TPC may also have a minimum account size guideline for the opening and maintenance
               of different types of accounts. These account minimums may vary among TPCs. Please refer to the
               respective TPC’s account opening documentation for details.
     3.   TPMM Accounts
          a.   United Planners does not establish account minimums for accounts held at TPMMs because that is
               customarily governed by the TPMM, and account minimums will vary across TPMMs. Please refer to the
               respective TPMM’s account opening documentation for details.
     4.   CMSP Accounts
               a.    The minimum account size varies depending on the CMSP.