United Wealth Planning LLC

Fees and Compensation
Estate and Financial Planning Services

The fee for our services is based on the number of hours that our personnel expend to develop
the plan. Clients are billed for our fees. We charge $300 per hour for the services of a Certified
Financial Planner®, $150 per hour for the services of a trained individual who has not achieved
the designation of Certified Financial Planner®, and $75 per hour for individuals who perform
administrative functions. We may also agree with a client to charge a blended rate of $150 per
hour or a flat fee. Our minimum fee is $1,500. Half of the estimated fee is payable at the time
of engagement, and the balance is payable when the plan is presented. Most plans take two to
six weeks to complete and require the active involvement of the client. If a client does not
complete the planning process, the half of the fee collected at the time of engagement is not
refundable. To review and update a plan upon request, we charge the client based on our then
standard hourly fees.

While our fees may be negotiated, it is unusual for us to do so. We reserve the right to change,
reduce, or waive our fees in our discretion.

Additional Fees and Expenses

The fees for our services do not include:

   The costs, charges, or commissions, whether fixed or contingent, associated with securities
   transactions, including custodial or prime-broker charges;

   The management fee paid to UAS or another investment advisor to provide ongoing
   investment advice or management;

   The advisory or management fee paid by a mutual fund or an exchange-traded fund (an
   “ETF”) to the investment advisor of the fund or its affiliate;

   Other fees and expenses paid directly from a mutual fund or an ETF out of its assets, such as
   rule 12b-1 distribution fees; or

   Sales charges or contingent deferred sales charges payable to mutual funds and ETFs, their
   affiliates, and their distributors.

Consequently, a client may pay an estate or financial planning fee to UWP, a management fee to
UAS or another investment advisor, and another advisory fee indirectly to the portfolio manager
of one or more mutual funds or ETFs. We do not reduce our fee to offset any of the additional
expenses described above.

Clients have the option to purchase investment products through broker-dealers and agents that
are not affiliated with UWP.

               Performance-Based Fees and Side-by-Side Management
This item is not applicable to UWP.

Types of Clients
We furnish our services primarily to individuals and families and their related trusts and estates.

            Methods of Analysis, Investment Strategies, and Risk of Loss
Investment Strategy

UWP does not provide ongoing investment advice or management, but we can refer a client to
UAS or another investment advisor that does provide these services.

Managing Risk of Loss

All investment programs involve risks that are borne by the investor. Like other investors, our
clients should be prepared to bear the following investment risks:

   Interest-Rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate.
   For example, when interest rates rise, yields on bonds tend to become less attractive, which
   in turn causes their prices to decline.

   Market Risk: The price of a security, bond, mutual fund, or ETF may drop in reaction to
   tangible and intangible events and conditions. This type of risk is caused by external factors,
   regardless of the particular circumstances that affect a security. For example, political,
   economic, and social conditions may influence market conditions.

   Inflation Risk: When inflation is present, a dollar today will not buy as much as a dollar next
   year, because the purchasing power of the dollar is eroding at the rate of inflation.

   Currency Risk: A security that is not denominated in United States dollars is subject to
   fluctuations in the value of the U.S. dollar as against the currency in which the security is
   denominated. For example, the value of a security denominated in euros will decrease if the
   U.S. dollar strengthens against the euro. This type of risk is also called exchange-rate risk.

   Reinvestment Risk: Future proceeds from investments may be reinvested at a lower rate of
   return because yields generally have decreased. This risk primarily relates to fixed-income
   securities.

   Business Risk: This risk is associated with a particular industry or a particular issuer. For
   example, an oil production company depends upon the lengthy process of finding oil and then
   refining it before the company generates a profit. As a result, an oil production company
   carries a higher risk of profitability than an electric company, which generates its income from

   a relatively stable customer base that must purchase electricity regardless of the economic
   environment.

   Liquidity Risk: Liquidity is the ready ability to convert an investment into cash. Generally,
   assets are more liquid if many traders are interested in a standardized product. For example,
   Treasury bills are highly liquid, while real estate is not.

   Financial Risk: Excessive borrowing to finance the operations of a business increases the risk
   of profitability, because the company is required to repay principal and interest in both good
   and bad economic times. During periods of financial stress, the inability of a company to
   meet its loan obligations may decrease the value of its securities and, in some cases, may
   force the company to seek bankruptcy protection.

Mutual funds, ETFs, and other securities have differing degrees of risk associated with them. No
investment in mutual funds or ETFs is free of risk, and some mutual funds and ETFs involve a
significant amount of risk. Often funds that invest in futures contracts, stock index futures
contracts, options on stock index futures contracts, and options on securities and stock indices
are perceived to involve greater risk.