A. Description of the Advisory Firm Lifecycle Financial Planners, Inc. (hereinafter “Lifecycle Financial Planners”) is a Corporation organized in the State of Michigan. The firm was formed in September 2017, and the principal owners are Pamela S. Landy and Melissa R. Scenga. Lifecycle Financial Planners is a fee-only financial planning firm providing comprehensive financial life planning and investment advisory services to individuals, families, small businesses, trusts, estates and charitable organizations. We do not sell insurance or investment products. We do not receive commissions or referral fees as a result of any advice. B. Types of Advisory Services General Description - Holistic Financial Life Planning Process Lifecycle Financial employs a holistic financial life planning process to provide comprehensive and integrative financial planning and investment advisory services on an ongoing basis. The holistic process is client-centric. The focus is on providing appropriate professional advice to assist the client with all financial decision making. In depth discussion, data gathering and subsequent review allows us to provide specific guidance tailored to the individual client. The fixed annual fee retainer engagement recognizes the importance of a free flow of information between Advisor and Client. The result is a deep knowledge of the client’s situation and intentions A holistic financial plan views all aspects of the client’s financial life as part of a unified whole. The engagement may begin with preparation of your personal income tax return, proactive personal income tax planning projections, net worth and portfolio analysis. These fundamentals are the base level assessment and data points used to evaluate how whether financial options are appropriate to your situation. The process may also include discussion and analysis of various financial life planning topics such as goal setting retirement accumulation and distribution planning, estate planning, insurance review, business planning, college planning, account structuring, cash flow management, debt/credit management and investment advisory services. The holistic model also demonstrates the value of an integrative approach. Financial issues often have complex histories, and superior solutions may require a multifaceted approach. In addition to purely financial analysis, we consider the role of money history and money personality and employ helpful behavioral tools to assist clients in the accomplishment of life goals. In addition, many topics are interrelated. Tax planning and investment management which are traditionally handled by separate professionals, are integrated so that tax advice can be woven into investment management decisions, fine tuning portfolios for greater tax efficiency. Cash management is considered in the context of both investment and tax ramifications. Intergenerational planning allows for more effective estate planning. Meetings are held face-to-face or virtually via secure computer link and/or telephone lines. Goals and objectives of each client are discussed and documented. Recommendations provided at each meeting are uniquely individual to the client, their current situation, and stage in the financial lifecycle. At Lifecycle Financial we are passionate about our unique holistic process and integrative approach and we believe that it results in improved decision making and enhanced financial peace of mind. Investment Advisory Services Investment advice and investment management services are provided in the context of the holistic financial life planning model. Lifecycle Financial Planners evaluates the individual goals, objectives, time horizon, and appropriate risk level for each client. This information is documented in an Investment Policy Statement (or similar document used to establish Client’s objectives and optimal investment strategy). The Investment Policy Statement outlines the client’s financial lifecycle stage, income, tax, and overall asset allocation) and documents a plan to aid in the selection of a portfolio that matches each client's specific situation. The investment plan and policy statement include consideration of all assets owned by the client regardless of where they are held. Lifecycle Financial Planners provides ongoing investment management services for all comprehensive annual retainer clients. We offer discretionary and non-discretionary investment advisory services. The investment advice provided is custom tailored to meet your needs and investment objectives. Subject to any written guidelines that you may provide, we may be granted discretion and authority to manage your investment accounts. Accordingly, we are authorized to perform various functions, on your behalf and at your expense, without your further approval. Such functions include the determination of securities to be purchased/sold and the amount of securities to be purchased/sold. Once the portfolio is constructed, we provide regular supervision and rebalancing of the portfolio as changes in market conditions and your circumstances may require. Where we enter into nondiscretionary arrangements with you, we will obtain your approval prior to the execution of a trade. Lifecycle Financial Planners generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds and commodities. Lifecycle Financial Planners may use other securities as well to help diversify a portfolio when applicable. Types of Engagements Clients of Lifecycle Financial enter into an Annual Retainer Agreement which details the scope of the relationship and responsibilities of both Lifecycle Financial and Client. Advice and services under the agreement are tailored to the circumstances and stated objectives of the Client(s). Lifecycle Financial offers three basic types of engagement. 1. Financial Assessment 2. Comprehensive Open Retainer Engagements (CORE) 3. Limited Retainer Programs 1. Lifecycle Financial Assessment (LFA): Lifecycle Financial Planners offers non-clients a Financial Assessment offered as a one-time meeting of up to three hours. This meeting covers two to three financial planning issues which are selected in advance. No follow-up services are provided with the Financial Assessment. At the conclusion of this Assessment, a limited or open ongoing retainer may be considered, but there is no further obligation on the part of the Client or Advisor. 2. Comprehensive Open Retainer Engagements (CORE) Designed for a client’s current stage in the Financial Lifecycle, CORE programs facilitate the Client’s progress from one stage to the next. There are two broad variations of the Lifecycle Financial Stage CORE offering: CORE Wealth Building Programs designed for the Accumulation Phase

of the Financial Lifecycle and CORE Wealth Management Programs designed for the Distribution Phase of the Financial Lifecycle. Investment management services are also provided under both the Wealth Building and Wealth Management CORE programs. ▪ Wealth Building CORE Programs - Accumulation Phase Your entry point into the accumulation phase is determined by the Lifecycle Financial Assessment which is designed to pinpoint your current stage in the Financial Lifecycle. A variety of factors are examined to determine strengths and potential obstacles. A personalized program and timeline is implemented to facilitate progress toward defined goals. Along with a variety of foundational prerequisites, your net worth is measured in relationship to your annual income. ▪ Wealth Management CORE Programs - Distribution Phase Placement in the distribution phase programs starts with a Lifecycle Financial Assessment to determine whether there are adequate savings available to transition from the accumulation to the distribution phase of the Financial Lifecycle. For this Assessment, your accumulated investment portfolio and other resources are measured against your annual living expenses. This program is designed for clients preparing for imminent retirement and those already living on their savings. The Comprehensive Open Retainer Engagement provides comprehensive financial planning for a fixed fee over the course of one year. Clients will have four to six scheduled meetings during the Initial Year (see below), depending on their individual situation. Clients will generally have three to four scheduled meetings during Renewal Years (see below). In addition to scheduled meetings, additional face-to-face, email and/or phone consultations are included at no additional charge. Services that may be included in an open retainer include, but are not limited to, the general categories of services listed below. Each topic is tailored specifically for the Client’s current stage in the Financial Lifecycle, or the relevant Life Transition. Initial Year of CORE: Financial Life Planning Diagnostic Review & Priorities Assessment Comprehensive Asset Inventory Review Financial Account Structure Set Up & Analysis Cash Flow/Spending Plan Creation Tax Planning Projections/Implementation of Tax Reduction Strategies Tax Return Preparation Tax Advice Audit Representation Retirement Savings Planning Investment Portfolio Review & Analysis Investment Strategy Implementation Financial Planning Risk Analysis/ Insurance Reviews Business/Career Planning Employee Benefits Review Education Planning & Funding Implementation Estate Planning Needs Assessment/Document Review/Funding Retirement Distribution/ Social Security Benefit/Medicare Planning Intergenerational/ Aging Issues/Long Term Care Planning Renewal Years of CORE: Preparation of Annual Game Plan/ Goal Setting Review Investment Review/ Strategy Update/ Rebalancing Tax preparation Tax planning Cash Flow Planning Retirement Accumulation/ Distribution Planning Other Financial Life Planning Topics as needed 3. Limited Retainer Programs Limited Retainer programs are designed to be temporary programs to address issue based factors that can occur during the course of the financial lifecycle. Limited Retainer Programs include:
• Financial Life Transitions Retainer
• Intergenerational Retainer
• Custom Project Retainer Financial Life Transitions Retainer Financial transitions are key life events, milestones or shifts that have significant impact which tend to require additional financial life planning or the rethinking of the status quo. Investment management services are also provided under the financial life transitions retainer. Examples of Financial life transitions include: o First Job o Student Loan o Debt Management o Change in Employment o Starting a Business o Marriage o Birth of a Child/Grandchild o Divorce o Disability o Health Challenges o Death of Loved One o Purchase of Home o Moving o Birthday Milestones o Retirement o Aging Intergenerational Retainers: Lifecycle offers two types of intergenerational retainers to family members of our current clients, the IGR-Jr. Retainer and the IGR-Sr. Retainer. IGR-Jr. Retainer This intergenerational retainer is designed for children and grandchildren in the basic foundational stage of the Financial Lifecycle. The IGR-Jr. engagement is designed for children and grandchildren of our clients to provide a springboard into financial adulthood. It provides a means for them to develop money skills, obtain advice, and sample the advantages of financial planning. The services are narrower in scope than in an open retainer engagement and focus on one or two financial planning topics. Investment management services are also provided under the IGR agreement. The IGR-Jr. retainer may include one to three financial life planning appointments including preparation of a tax return. IGR-Sr. Retainer The second type of intergenerational retainer (IGR-Sr.) is provided for parents or other close relatives to whom our clients are currently (or may in the future be) providing assistance with financial management, or other caregiving issues. Investment management services are also provided under the IGR agreement. The IGR Sr. retainer program includes one to three financial life planning appointments including preparation of a tax return. Custom Project Retainer Programs: Under certain circumstances, a project retainer may be outlined by agreement between Lifecycle Financial Planners and the Client. Examples of project retainers include debt/student loan management, pension consulting, investment management and portfolio analysis. Investment management services may be included. Each project retainer will outline the content and scope of the engagement. C. Client Tailored Services and Client Imposed Restrictions Lifecycle Financial Planners will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as an evolving plan that will be executed by Lifecycle Financial Planners on behalf of the client. Lifecycle Financial Planners may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. Lifecycle Financial Planners does not participate in any wrap fee programs. E. Assets Under Management Lifecycle Financial Planners has the following assets under management: