Estefani Marina Morris

For PCFO services, we shall charge a fee calculated as a percentage of your assets under our management (our “AUM Fee”). Our annual AUM Fee does not generally exceed 1.25%.

For OpenPlan IFP clients who engage us for financial planning and consulting, our fee is $150 per month in addition to a $2,500 implementation fee. When engaged to provide optional discretionary investment management services, you will be charged an additional AUM Fee that does not generally exceed .95%.

We typically deduct our AUM Fee from one or more of your accounts, in advance, on a quarterly basis. Because our AUM Fee is calculated as a percentage of your assets under management, the more assets you have in your advisory account, the more you will pay for our investment management services. Therefore, we have an incentive to encourage you to increase the assets maintained in accounts we manage.

Our financial wellness consulting fees generally ranging from $5,000 to $25,000 on a fixed fee basis and also incorporate an hourly component ranging between $150 and $300 per hour.

Furthermore, your investment assets will be held with a qualified custodian. Custodians generally charge brokerage commissions and/or transaction fees for effecting certain securities transactions. In addition, relative to all mutual fund and exchange traded fund purchases, certain charges will be imposed at the fund level (e.g., management fees and other fund expenses).

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

For more detailed information about our fees and costs related to our management of your account, please See Item 5 in our ADV Part 2A.

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. As an example, we may recommend a particular custodian to custody your assets, and we may receive support services and/or products from that same custodian, certain of which assist us to better monitor and service your account while a portion may be for the benefit of our firm. We also are the majority owner of several affiliated funds. This creates a conflict of interest as we may earn compensation from the Funds that may exceed the fee we would earn under our standard asset-based fee schedule.

For more detailed information about our conflicts of interest, please review our ADV Part 2A.

Our financial professionals are generally compensated on a salary basis. However, certain of our financial professionals, based upon their individual professional ability, may receive a performance bonus from timeto-time. You should discuss your financial professional’s compensation directly with your financial professional.