After developing a true understanding of each client’s circumstances and family dynamics, we use a disciplined approach to customize a comprehensive financial plan. Then we work together to manage your finances and investments with the plan serving as a map for a clear path forward.

Introductory Conversation ‐ We begin with a conversation about what motivated you to contact us, discussing your goals and obstacles. We learn about you, then explain who we are and how we work. If we all agree that our interests align and there is an opportunity for us to create value, we schedule a Discovery Meeting. If not, we often provide contact information for a professional who may be a better fit, or identify some "low hanging fruit" for you to implement on your own before working with a professional.

• This conversation is usually 30 minutes or less.
• Please prepare a simple balance sheet; a list of your assets, liabilities, income, total life insurance; and a general idea of estate plan.

Discovery Meeting ‐ We begin with a conversation about what matters to you, uncovering concerns about short- and long-term issues. We request and review your financial information, including, but not limited to, your cash reserves, employer benefits, insurances, liabilities, sources of income, tax returns, and estate planning documents.

• This meeting is usually 90 minutes or less.
• We will provide a list of information to gather, including an in depth list of assets, liabilities, income statements (paystubs etc), insurances, group benefits, budget, and estate plan.
• This is usually ~7-30 days after our Introductory Conversation.

Planning Meeting I ‐ During this meeting we review a draft of your financial plan. We want to ensure that we accurately heard, identified, and prioritized your goals. We will outline and simplify your financial information, and provide steps that will help achieve your goals. We try to make these steps the most efficient actions you can take. Decades of experience help us get this right the first time. However, we are happy to prepare alternatives.

• This meeting is usually 90 minutes or less.
• We will let you know if there is any additional information required.
• We typically schedule this meeting ~30 days after the Discovery Meeting.

Planning Meeting II ‐ During this meeting we "clean up" any of the issues that were uncovered in our previous discussion. Then, we agree on action items that will move you closer to achieving your goals. We discuss these tasks until you are comfortable and confident that you have made an appropriate and informed decision. If needed, we help you implement these changes online, by completing paperwork, or during conference calls.

• This meeting is usually 60 minutes or less.
• We will let you know if there is any additional information required.
• We typically schedule this meeting ~30 days after the prior Planning Meeting.

Planning Meeting (III, IV, V, ...) ‐ We continue to meet every 30 days completing tasks until you feel confident you are efficiently using your resources to achieve your goals.

• These meetings are usually 60 minutes or less.
• We will let you know if there is any additional information required.
• We typically schedule this meeting ~30 days after the prior Planning Meeting.

Review Meetings ‐ One thing that we know for certain is that your life will continue to change. We always begin with hearing what's new in your life, then address your questions and concerns. Then, we monitor your progress and refine where need be so that you can be comfortable and stay on track.

• The pace and length of these meetings is up to you. We prefer to see you (in person, or virtually) at least once a year. Typically, there are a few periodic interactions (calls, emails, texts) in addition to semi-annual meetings in the spring and fall.

Fees ‐ There are two ways we can be compensated. We charge a Comprehensive Financial Planning or an Investment Management Services Wrap fee(s) as outlined in our ADV and summarized below.

Ongoing Comprehensive Financial Planning

Ongoing Comprehensive Financial Planning consists of a flat fee that is paid quarterly, in arrears, at the rate of $187.50 - $2,000 per quarter, based on complexity and needs of the client. The fee may be negotiable in certain cases at the discretion of RFP. Fees for this service may be paid by electronic funds transfer (EFT) or check. This service may be terminated with 30 days' notice. Since fees are paid in arrears, no refund will be needed upon termination of the account.

For clients with $100,000 or more in assets under management with RFP, Ongoing Comprehensive Financial Planning services are available without an additional fee. For clients with less than $100,000 in assets under management with RFP, investment management services are available without incurring an additional fee.

Financial Planning Hourly Fee

We also provide financial planning through an hourly fee structure at $250/hr. The fee may be negotiable in certain cases, and is due at the completion of the engagement. In the event of an 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 (EFT) or check.

Investment Management Services Wrap Fee Program Fee Schedule

For clients with $100,000 or more in assets under management with RFP, Ongoing Comprehensive Financial Planning services are available without an additional fee. For clients with less than $100,000 in assets under management with RFP, investment management services are available without incurring an additional fee.

Our standard advisory fee is based on the market value of the assets under management and is calculated as follows:

The annual fees are negotiable and are prorated and paid in arrears on a quarterly basis. The advisory fee is a tiered fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the above chart and applying the fee to the account value as of the last day of the previous quarter. No increase in the annual fee shall be effective without agreement from the Client by signing a new agreement or amendment to their current advisory agreement.

Advisory fees are directly debited from Client accounts, or the Client may choose to pay by check. 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.