Wharton Wealth Planning LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 WWP offers direct asset management services to advisory Clients. WWP charges an annual
 investment advisory fee based on the total assets under management as follows:
        Assets Under Management               Annual Fee                Quarterly Fee
           Up to $2,999,999.99                  0.90%                     0.225%
       $3,000,000 to $4,999,999.99              0.80%                      0.20%
             Over $5,000,000                    0.70%                     0.175%
  This is a flat rate/breakpoint fee schedule, the entire portfolio is charged the same asset
  management fee. For example, a Client with $3,500,000 under management would pay
  $28,000 on an annual basis. $3,500,000 x 0.80% = $28,000.
 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.). WWP considers cash to be an asset class, and as such is included in fee
 calculations. Also, to be noted, at times fees will exceed the money market yield. Fees are
 billed quarterly in arrears based on the amount of assets managed as of the close of
 business on the last business day of the previous quarter.
 Lower fees for comparable services may be available from other sources. Clients may
 terminate their account within five (5) business days of signing the Investment Advisory
 Agreement with no obligation and without penalty. After the initial five (5) business days,
 the agreement may be terminated by WWP with thirty (30) days written notice to Client
 and by the Client at any time with written notice to WWP. If cash and/or securities are
 deposited into or withdrawn from an existing account mid-billing period, a prorated fee
 will be charged for that portion of the account. 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 WWP. 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.

 WWP is compensated solely by Client-paid advisory fees. WWP does not accept
 commissions, referral fees, revenue sharing, proprietary products, or any other form of
 third-party compensation. Because WWP is compensated solely by Client-paid fees, WWP
 does not have a financial incentive to recommend any particular investment, strategy, or
 service provider over another.
 INVESTMENT CONSULTING
 WWP charges a fixed fee for investment consulting services. Investment consulting fees are
 based on the size, number of holdings, type of holdings, and complexity of a portfolio. The
 fixed fee for a portfolio review may range between $2,000-$15,000, depending on the
 complexity of a Client’s situation and is due upon commencement of the Advisory
 Agreement. The investment consulting fee is charged in advance if this is a one-time
 service. WWP reserves the right to waive the fee or credit the fee back to the Client should
 the Client implement the plan through WWP.
 FINANCIAL PLANNING AND CONSULTING
 WWP charges a fixed fee for full financial plans based on complexity and unique Client
 needs for financial planning. Prior to the planning process, the Client will be provided an
 estimated plan fee.
        FIXED FEES
        Full Financial Plans are offered based on a flat fee between $3,500 and $15,000.
 Fees for financial plans are due upon commencement of the Advisory Agreement.
 Services 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 WWP. WWP reserves the right to waive the fee or credit the fee back to
 the Client should the Client implement the plan through WWP.
Client Payment of Fees
 Fees for asset management services are:
    •   Deducted from a designated Client account.
 The Client must consent in advance to direct debiting of their investment account.
 Fees for investment consulting will be billed:
    •   Check – to be remitted by Client to WWP
    •   Electronic Payment
 Fees for financial plans will be billed:
    •   Check – to be remitted by Client to WWP
    •   Electronic Payment
Additional Client Fees Charged
 Custodians may charge transaction fees and other related costs on the purchases or sales of
 mutual funds, equities, bonds, options, and exchange-traded funds. Mutual funds, money
 market funds, and exchange-traded funds also charge internal management fees, which are
 disclosed in the fund’s prospectus. WWP does not receive any compensation from these
 fees. All of these fees are in addition to the management fee you pay to WWP. For more
 details on the brokerage practices, see Item 12 of this brochure.

Prepayment of Client Fees
 WWP does not require any prepayment of fees of more than $1,200 per Client and six
 months or more in advance.
 Fees for Investment Consulting are due in advance.
 Fees for financial plans are due, in full, at the commencement of the contract.
 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 WWP.
External Compensation for the Sale of Securities to Clients
 WWP does not receive any external compensation for the sale of securities to Clients, nor
 do any of the investment advisor representatives of WWP.

Item 7: Types of Clients
Description
 WWP generally provides investment advice to individuals, high-net-worth individuals,
 trusts, estates, charitable organizations, or business entities. Client relationships vary in
 scope and length of service.
Account Minimums
 WWP generally requires a minimum of $2 million in household assets under management
 to establish and maintain an advisory relationship. WWP may, in its sole discretion, waive
 or reduce this minimum requirement based on the client's circumstances.