Wise Planning Inc

Item 5 – Fees and Compensation
  A. Method of Compensation and Fee Schedule
       The specific manner in which fees are charged by Wise Planning Inc. is established in a client’s
       written agreement with Wise Planning Inc. Although Wise Planning, Inc. believes its advisory
       fees are very competitive, clients should be aware that lower fees for comparable services may
       be available from other sources.

       1. Comprehensive Personal Financial Planning
          Flat Fees are based on assets and complexity of a client profile. Investment Assets are

         defined as all assets owned other than personal residence, personal property and closely
         held businesses without regard to asset manager, custodian or source. No fee is based
         upon capital gains or capital appreciation of assets. The matrix below provides the fee
         range for levels of investment assets. The minimum annual fee is $3,000 and client fees are
         reviewed at the end of each calendar year.

             Investment Assets               Annual Fee Range
             $0-$800,000                     $3,000
             $800,000-$1,200,000             $3,000     $4,800
             $1,200,000-$1,600,000           $4,800     $6,400
             $1,600,000-$2,000,000           $6,400     $8,000
             $2,000,000-$3,500,000           $8,000     $10,000
             $3,500,000-$5,000,000           $10,000    $12,000
             $5,000,000-$7,500,000           $12,000    $15,000
             $7,500,000 - $20,000,000        $15,000    $22,000
             $20,000,000+                    Negotiated

     2. Hourly Financial Planning – Hourly rate is $250/hour
         Examples of hourly projects include analysis and recommendations on a particular financial
         issue such as helping a client with budgeting and cash flow management, insurance needs
         or education funding analysis, a review of a client’s bond portfolio, or the review for a
         business owner of a proposed retirement plan structure and investment options. These
         services could take five minutes to twenty hours depending on the complexity.

B.   Payment of Client Fees
     Fees for Comprehensive Financial Planning are generally payable quarterly in advance.
     Engagements initiated or terminated during a calendar quarter will be charged a prorated fee.
     The advisory client shall enjoy a five (5) day penalty free right of rescission. In addition, the
     advisory client may terminate the professional relationship at any time and receive a prorated
     refund based upon the amount of work already provided. All unearned or unapplied fees shall
     be refunded by applicant to the client. Clients may elect to be billed directly for fees or to
     authorize Wise Planning Inc. to directly debit fees from client accounts.

     Wise Planning clients who were clients of Retirement Benefits Specialists prior to 1/1/2007 will
     be billed in arrears.

     Hourly fees may be billed monthly or upon completion of a project.

     Under no circumstances will Wise Planning require prepayment of a fee more than six months in
     advance and in excess of $1,200.

  C.    Additional Client Fees Charged
        Wise Planning Inc.’s fees are exclusive of brokerage commissions, transaction fees, and other
        related costs and expenses which shall be incurred by the client. Clients may incur certain
        charges imposed by custodians, brokers, third party investment and other third parties such as
        fees charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer
        taxes, wire transfer and 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 Wise Planning Inc.’s fee,
        and Wise Planning Inc. shall not receive any portion of these commissions, fees, and costs.

        Item 12 further describes the factors that Wise Planning Inc. considers in selecting or
        recommending broker-dealers for client transactions and determining the reasonableness of
        their compensation (e.g., commissions).

  D.    External Compensation for the Sale of Securities to Clients
        Wise Planning, Inc. is compensated only from client fees. We receive no external compensation
        from the sale of securities to clients.

Item 7 – Types of Clients
Wise Planning Inc. provides advice to individuals and families, high net worth individuals, corporate
pension and profit-sharing plans, Trusts and estates. Wise Planning Inc. has no minimum account
size requirement.