Viable Planning LLC

Item 5 | Fees and Compensation
INVESTMENT ADVISORY SERVICES

 Viable charges an investment advisory fee of up to 1.25% per year on the market value of assets
 placed under management. Viable, in its sole discretion, may charge a higher or lower
 investment management fee based upon certain criteria, e.g., anticipated future assets placed
 under management, amount of assets to be managed, additional services provided, related
 accounts, account composition, or as negotiated by the client.

 The annual investment advisory fee, which will be outlined in the Investment Advisory
 Agreement, shall be paid monthly, in arrears, based upon the average daily balance of the assets
 in the account during the billing period. To the extent there is cash in your account it will be
 included in the market value for the purpose of fee calculation. Once the fee calculation is made,
 we will instruct your custodian to deduct the fee from the cash balance in your account and remit
 to Viable. Additionally, client will receive a statement from their custodian at least quarterly
 showing all transactions in their account, including fee deductions. The Investment Advisory
 Agreement shall continue in effect until terminated by either party by giving to the other party 30
 days written notice; provided that the Client may at any time, upon delivery of written notice to
 Viable, terminate the discretionary authority of Viable.

 Clients who retain Viable on a flat fee basis for financial planning will not be charged investment
 advisory fees on assets placed under management. This will continue as long as assets are below
 the level cited in the Financial Planning Agreement. If assets exceed the agreed level for the
 agreed period of time, Viable will convert the client from paying flat fees to asset-based fees
 and forego billing under the Financial Planning Agreement.
FINANCIAL PLANNING SERVICES

Viable provides clients with comprehensive financial planning and consultation services. Viable
may provide this service on a standalone basis, or bundle with investment advisory and other

services. Viable sets the annual fee level for this service based on the clients’ circumstances.
Generally, the fees for this service range from $3,000 to $120,000 based on the complexity of the
client’s situation. The Client may terminate the Financial Planning Agreement at any time and will
be billed for the hours worked up to that point, however if Client terminates this Agreement
within five (5) business days of the signing of the Agreement there would be no charge.

Clients requiring additional work to develop and maintain their financial plan will be quoted a
higher fee for this service. Examples of additional work include business advisory work (e.g.,
preparing pro-forma financial statements, business sale or succession planning), manual portfolio
performance reporting and account aggregation, customized portfolio management solutions
(such as direct indexing).

Prior to engaging Viable to provide financial planning and consultation services, the client will be
required to enter into a Financial Planning Agreement setting forth the terms and conditions of
the engagement and describing the scope of the services to be provided. Clients are advised that
it remains their responsibility to promptly notify Viable if there is a material change in their financial
situation or investment objectives.

Financial planning fees will be payable in monthly or quarterly installments as agreed upon
between Viable and Client. Financial planning fees are due upon receipt of invoice. Payments for
financial planning services may be processed through a third-party nonaffiliated service,
AdvicePay. Clients will be asked to set up their bank account at AdvicePay to enable ACH payments.
While AdvicePay allows us to receive payments directly from the client’s bank account, it does
not give us access to the bank account itself, nor to any of the client’s bank account information.
Viable is not able to initiate any payments via AdvicePay. Clients are not required to use AdvicePay
and can elect to pay financial planning fees via check.
RETIREMENT PLAN CONSULTING SERVICES
Clients may engage Viable to provide retirement plan consulting services. The annual retirement
planning consulting fee shall be based upon a percentage (%) of the market value of the assets
placed under Viable’s management and shall generally be 1.00%. The annual retirement plan
consulting fee shall be paid monthly or quarterly, in arrears, based upon the market value of the
assets on the last business day of the previous month and automatically deducted from the client’s
account. Either party may terminate the Retirement Plan Consulting Services Agreement upon
thirty (30) days prior written notice to the other party.
OTHER COSTS
Viable will generally recommend a broker-dealer/custodian (please see Item 12 for more
information about the firm’s Brokerage Practices) for client’s investment management assets. In
addition to the investment management fee, the client may incur brokerage commissions for
individual securities transactions and/or transaction fees for certain no-load mutual funds. In
addition, the client will also incur charges imposed at the fund level (e.g., management fees and
other fund expenses). Expenses of a fund, ETF, or separately managed account will not be
included in Viable advisory fees, as they are deducted from the value of the shares by the fund

manager. When selecting mutual funds that have multiple share classes for recommendation to
clients, Viable will take into account the internal fees and expenses associated with each share
class, and it is Viable policy to choose the lowest-cost share class, absent circumstances that
dictate otherwise. For complete discussion of expenses related to each ETF or mutual fund, you
should read a copy of the prospectus issued by that fund. Viable can provide or direct you to a
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Item 7 | Types of Clients

Viable generally provides investment advice and financial planning for individuals, families,
pension and profit-sharing plans and participants, businesses, trusts and charitable organizations.
While there is no minimum account size required to open or maintain an account with our chosen
account custodian we require a minimum account size of $1,000,000 to provide our services, and
we do charge a minimum planning fee of $3,000 for our planning services. The minimums may be

waived at the discretion of Viable.