Vilga Financial Planning LLC

Item 5: Fees and Compensation
Please note, unless a Client has received the firm’s Disclosure Brochure at least 48 hours before signing the
investment advisory contract, the contract may be terminated by the Client within five (5) business days of
signing the contract without incurring any advisory fees. How we are paid depends on the type of advisory service
we are performing. Please review the fee and compensation information below.
Vilga's fees are based primarily on the complexity of the client's financial situation and the scope of services
provided. Assets Under Advisement are used as a general guideline to help prospective clients understand typical
fee ranges. Assets Under Advisement (AUA) includes assets managed at Charles Schwab plus outside
investments such as retirement plans, private investments, brokerage accounts, and bank accounts. Business assets
and non-publicly traded real estate are typically excluded from AUA.
Ongoing Comprehensive Financial Planning and Investment Management Services

Fees for Ongoing Comprehensive Financial Planning and Investment Management Services consist of an upfront
fee of $3,000 and an annual fee starting at $10,000, paid in arrears in equal quarterly installments. The $10,000
annual fee covers up to $3,000,000 in assets under management. Fees will be based on complexity for Clients
with more than $3,000,000 in assets under management. Complexity factors include, but are not limited to: the
estimated time to be spent providing advice, family situation, and business interests.

The annual fee is negotiable. The fee will be prorated based on the amount of time remaining in the billing period.
The annual fee will be reassessed each year on the contract anniversary date. The annual fee will be reassessed
each year on the contract anniversary date. Vilga will notify the Client electronically 30 days in advance of any fee
increase. If no objection is made by the Client within 30 days following delivery of such notice, Vilga will assume
the Client’s inaction constitutes consent.
Advisory fees are directly debited from Client accounts, or the Client may choose to pay by check or electronic
funds transfer. Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on
the amount of time remaining in the billing period. An account may be terminated with written notice at least 30
calendar days in advance. Since fees are paid in arrears, no refund will be needed upon termination of the account.
We do not base our fees on Assets Under Management (AUM). AUM may be an inadequate representation of the
complexity of a Client’s financial life. Our fee for investment management services is determined together by
VFP and the Client after the initial introductory meeting. The fee determination is based upon the complexity of
the client’s financial profile and therefore the resources required to service the client during the year.

One-Time Comprehensive Financial Plan Fees
The fee for a One-Time Comprehensive Financial Plan ranges from $6,000 to $10,000. The fee is negotiable. Half
of the fee is due at the beginning of the process and the remainder is due at completion of work. Vilga will not bill
an amount above $1,200 more than 6 months in advance. Fees for this service may be paid by electronic funds
transfer or check. In the event of early termination, any prepaid but unearned fees will be refunded to the Client
and any completed deliverables of the project will be provided to the Client and no further fees will be charged.

Project-Based Financial Planning Hourly Fee
On a limited basis, hourly financial planning engagements will be offered at an hourly rate of $400 per hour for
limited-scope projects (employee benefits optimization, social security claiming strategy, basic budgeting, etc.).
The fee may be negotiable in certain cases and is due at the completion of the engagement. In the event of early
termination by the Client, any fees for the hours already worked will be due. Fees for this service may be paid
by electronic funds transfer or check.
Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and expenses that may
be incurred by the Client. Clients may incur certain charges imposed by custodians, brokers, and other third
parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfers, electronic
fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and
exchange-traded funds also charge internal management fees, which are disclosed in a fund's prospectus. Such
charges, fees, and commissions are exclusive of and in addition to our fee, and we shall not receive any portion of
these commissions, fees, and costs.
Item 12 further describes the factors that we consider in selecting or recommending broker-dealers for the Client’s
transactions and determining the reasonableness of their compensation (e.g., commissions).
We do not accept compensation for the sale of securities or other investment products including asset-based sales
charges or service fees from the sale of mutual funds.

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals, high net-worth individuals, and
charitable organizations.
We do not have a minimum account size requirement.