Valtinson Bruner Financial Planning LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 VBFP offers discretionary direct asset management services to advisory Clients. VBFP
 charges an annual investment advisory fee based on the total assets under management as
 follows:
        Assets Under Management             Annualized Fee               Quarterly Fee
                All Assets                   Up to 1.50%                 Up to 0.375%
 The annual fee is negotiable based upon certain criteria (e.g., historical relationship, type of
 assets, anticipated future earning capacity, anticipated future additional assets, dollar
 amounts of assets to be managed, related accounts, account composition, negotiations with
 Clients, etc.).
 Fees are billed quarterly in advance or arrears, depending on the Client’s election, based on
 the amount of assets managed as of the close of business on the last business day of the
 previous quarter. If margin is utilized, the fees will be billed based on the net asset value of
 the account. Clients may terminate their account within five (5) business days of signing
 the Investment Advisory Agreement with no obligation and without penalty. After 5
 business days, either party may terminate advisory services with thirty (30) days written
 notice to the other party. For accounts opened or closed mid-billing period, fees will be
 prorated based on the days services are provided during the given period. All unpaid
 earned fees will be due to VBFP. Additionally, all unearned fees will be refunded to the
 Client. Client shall be given thirty (30) days prior written notice of any increase in fees. Any
 increase in fees will be acknowledged in writing by both parties before any increase in said
 fees occurs.
 Wrap Fee Program
 All Clients electing for VBFP to manage assets will be placed within VBFP’s Wrap Program
 as outlined in VBFP’s Wrap Fee Program Brochure – Appendix. Please refer to that
 Brochure for additional information.
 FINANCIAL PLANNING AND CONSULTING
 VBFP charges either an hourly or ongoing fee for financial planning and consulting. Prior to
 the planning process the Client will be provided an estimated plan fee. Services for one-
 time plans are completed and delivered inside of ninety (90) days contingent upon timely
 delivery of all required documentation. Client may cancel within five (5) business days of
 signing Agreement with no obligation and without penalty. If the Client cancels after five
 (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned
 fees will be due to VBFP. VBFP reserves the right to waive the fee should the Client
 implement the plan through VBFP.
        HOURLY FEES
        Financial Planning Services are offered based on an hourly fee of $400 per hour.
        Fees are due upon delivery of the completed plan.

       ONGOING FEES
       The annual fee ranges from $0 to $20,000 and may be paid quarterly in advance.
       Clients will be invoiced directly. Ongoing services will remain in effect year over
       year unless cancelled in writing by either party by giving the other party thirty (30)
       days written notice. Client may cancel within five (5) business days of signing
       Agreement with no obligation and without penalty.

ERISA PLAN SERVICES
The annual fees are based on the market value of the Included Assets and will not exceed
1%. The annual fee is negotiable and may be charged as a percentage of the Included Assets
or as a flat fee. Fees may be charged quarterly or monthly in arrears or in advance based on
the assets as calculated by the custodian or record keeper of the Included Assets (without
adjustments for anticipated withdrawals by Plan participants or other anticipated or
scheduled transfers or distribution of assets). If the services to be provided start any time
other than the first day of a quarter or month, the fee will be prorated based on the number
of days remaining in the quarter or month. If this Agreement is terminated prior to the end
of the billing cycle, VBFP shall be entitled to a prorated fee based on the number of days
during the fee period services were provided or Client will be due a prorated refund of fees
for days services were not provided in the billing cycle.
The fee schedule, which includes compensation of VBFP for the services is described in
detail in Schedule A of the ERISA Plan Agreement. The Plan is obligated to pay the fees,
however the Plan Sponsor may elect to pay the fees. Client may elect to be billed directly or
have fees deducted from Plan Assets. VBFP does not reasonably expect to receive any
additional compensation, directly or indirectly, for its services under this Agreement. If
additional compensation is received, VBFP will disclose this compensation, the services
rendered, and the payer of compensation. VBFP will offset the compensation against the
fees agreed upon under the Agreement.
PUBLICATION OF PERIODICALS
VBFP may publish newsletters providing general information on various financial topics
including, but not limited to, estate and retirement planning, market trends, etc. No specific
investment recommendations are being provided in any newsletter, and the information
provided is not intended and does not purport to meet the objectives, needs or targets of
any client or individual. Absent specific advice or services provided by VBFP, clients should
not rely upon the information contained in any newsletter. This newsletter would be
distributed to our advisory clients, prospects and other professionals. VBFP does not
charge a fee for these publications.
SEMINARS AND WORKSHOPS
VBFP holds seminars and workshops to educate the public on different types of
investments and the different services they offer. The seminars are educational in nature
and no specific investment or tax advice is given. VBFP does not charge a fee for attendance
to these seminars.

Client Payment of Fees
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Item 7: Types of Clients
Description
 VBFP generally provides investment advice to individuals, high net worth individuals,
 trusts, estates, or charitable organizations, corporations or business entities. Client
 relationships vary in scope and length of service.
Account Minimums
 VBFP requires a minimum of $250,000 to open an account. In certain instances, the
 minimum account size may be lowered or waived.