Your Financial Pharmacist Planning LLC

Item 5: Fees and Compensation
Overview
An ongoing fee is charged to clients who require ongoing service, such as for Comprehensive
Financial Planning with Investment Management. No increase in the fee shall be effective without the
client signing a new agreement or amendment to their current agreement.

The fee is paid by the client authorizing the firm to bill the client’s investment account, bank account,
or credit card. For clients who pay via their bank account or credit card, an electronic payment
processing system encrypts the client’s financial information. Upon payment, the client will receive an
email receipt. The client is encouraged to verify these email receipts with their statements.

After execution of the client agreement, the client may terminate the agreement within five (5)
business days and receive a full refund of any fees paid. Following this initial rescission period, due to
the volume and intensity of work performed in the first year of engagement, fees paid for our services
are non-refundable if the agreement is terminated during the first year of service. After the first year
of the engagement, either party may terminate the agreement upon thirty (30) days’ written notice.
Upon termination after the first year, any unearned fees paid in advance will be prorated and
refunded to the client.

YFP, at its discretion, may charge a lesser advisory or initial fee, charge a flat fee, waive its fee entirely,
or charge a fee on a different interval, based upon certain criteria. YFP may offer discounted initial
planning fees to current members of the American Pharmacists Association (APhA). Eligibility may
require verification of membership status and any such discount is determined by YFP and may be
modified or discontinued at any time. Clients receiving a discount receive the same advisory services
as clients who do not receive a discount.

Some legacy clients may pay a lower fee. As a result, similarly situated clients could pay different
fees. Note: YFP fees may be more than the industry norm. Similar advisory services can be obtained
for less.

Fees for Advisory Services
Comprehensive Financial Planning with Investment Management
Fees for this service may include the following types of fees:
   ●​ Initial fee: This is a one-time fee due at the start of the advisory relationship, based on the
        complexity of the client and ranging from $1,500-$3,500.
   ●​ Advisory fee: These ongoing fees are paid in advance in quarterly installments. This fee is a
        blended calculation based on the account value managed at YFP’s custodian per this table:

                              Account Value                      Advisory Fee
                              Up to $500,000                         1.00%
                          $500,001 - $1,000,000                      0.90%

                        $1,000,001 - $2,000,000                    0.80%
                        $2,000,001 - $4,000,000                    0.70%
                        $4,000,001 - $8,000,000                    0.60%
                         $8,000,001 and above                      0.50%

The advisory fee is recalculated quarterly based on the account value balance at the end of the prior
billing period. We charge a minimum annual fee of $5,000.

Investment Management
Fees for this service include an initial fee, due at the start of the advisory relationship, plus an ongoing
advisory fee, which is paid in advance in quarterly installments.
    ●​ Initial fee: This is a one-time fee due at the start of the advisory relationship, ranging from
        $1,500-$3,500 based on the complexity of the client.
    ●​ Advisory fee: This fee is a blended calculation based on the account value managed at YFP’s
        custodian per the table below:

                             Account Value                     Advisory Fee
                             Up to $500,000                         1.00%
                         $500,001 - $1,000,000                     0.90%
                        $1,000,001 - $2,000,000                    0.80%
                        $2,000,001 - $4,000,000                    0.70%
                        $4,000,001 - $8,000,000                    0.60%
                         $8,000,001 and above                      0.50%

We charge a minimum fee of $1,000 per year for this service.

Retirement Plan Services for Small Business Owners
Fees for Retirement Plan Services for Small Business Owners are determined by the size and
demographics of the plan, the number of participants, the types of investments requested by the
plan trustee or plan administrator, and the design of the plan. Fees include an initial planning fee, due
at the start of the advisory relationship, plus an ongoing advisory fee based on a percentage of plan
assets, not to exceed 0.50%. The initial fee ranges from $1,500-$3,500.

Life Planning
Fees for Life Planning include a one-time fee of $1,500 for an individual or $2,500 for a couple, paid in
advance.

Educational Seminar
Speaking engagements will range in price between $500-$10,000 (exclusive of travel-cost
reimbursement) depending on the length, location, and enrollment. The fee will be agreed to before
the engagement occurs and the fee will be collected following the engagement. The fee is
negotiable, and speaking engagements may be provided pro bono.

Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and
expenses, which 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 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,
...

Item 7: Types of Clients
YFP’s clients include individuals, high net worth individuals, families, and business entities. YFP
generally requires clients to have a minimum of $250,000 in investable assets to engage in services,
which may be waived at our discretion. Some legacy clients may not meet the minimum investable
asset amount.