We offer clients a broad range of financial planning and consulting services, which may include any or all of the following functions the time involved, size and scope of the service, varying widely client by client.
• Cash Flow Forecasting o Assess the income and outflows of personal cash flow. We seek ways to improve this such as reduce taxes, reduce interest costs, and control expenses. o This can take as little as one hour and be part of our standard financial plan or as much as 8 hours and be a plan in itself.
• Investment Consulting o Designing your portfolio involves discovering your risk tolerance, goals, and portfolio cash flow demands. We design a portfolio we feel is most likely to accomplish your goals with the least amount of risk. o We may also advise to accounts we do not manage, but that a client manages himself or in a retirement plan..
• Retirement Planning o Planning your retirement income and expenses is part of the process of retiring. Clarifying goals, and analyzing cash flow in retirement is part of our service for our clients.
• Business Consulting o Many of our clients own small businesses. We may consult with them regarding the business finances, employees, and strategies. We also may advise tax saving strategies involving the business.
• Trust & Estate Planning o For those who have accumulated assets they wish to pass on to heirs or charities, we help clarify the goals of the client. We may help prepare a written statement of the client that will explain their objectives and work with them and their attorney for legal advice on how best to accomplish the goals. This and be a process that takes several months and many hours.
• Tax Planning o A CPA will review your taxes and look for ways to reduce them. In addition, we manage portfolios to help minimize taxes by doing such things as selling to matching capital gains with capital losses whenever possible.
• Option and Hedging Strategies- o Option strategies can be used to protect against portfolio risk and also used for speculative purposes. They may also be used to hedge against certain risks you may have in a business. For example, if you are in a business that uses a lot of FINANCIAL PLANNING AND CONSULTING SERVICES fuel, Puts and Calls on oil stocks may help protect against rising costs which could hurt your business profits. Estimated Planning Time Estimated Time with Client Total Hours on project Estimated total Fee Review Frequency Estimated Review Fee Cash Flow Forecasting 2 1 3 $750 As needed $100 Investment Consulting 6 3 9 $2,250 As agreed, upon Included in asset management fee Insurance Planning 2 1 3 $750 As needed $100 Retirement Planning 4 3 7 $1,750 Semi Annually Included in asset management fee Business Consulting Varies Varies Varies Estimated time at $250 per hour As needed $500 Trust and Estate Planning 4 8 12 $3,000 As needed $1,000 Tax Planning 3 1 4 $1,000 Annually $1,000 Option and Hedging 2 2 4 $1,000 Monthly $20 All pricing above is estimated and is negotiable. What you will pay will be agreed to in writing prior to doing the work. Not every client needs or wants every service listed above. We meet the client and suggest services that will be beneficial. While each of these services is available on a stand-alone basis, most clients will need several of them. Once it is decided what services you need, we will enter into a financial planning agreement which will state the planning to be performed and our fee for the planning. Our planning normally results in a written financial plan, often with a summary of the strategies to utilize in each of the areas we consult to, and steps to implement. Review of the financial plans can occur as often as the client would like. This is discussed before the engagement and can affect the pricing of services. Normal reviews take place quarterly or semi-annually. Some clients only want a review annually. Most reviews focus on investment performance and accomplishment of client objectives. Plans can be amended due to changing personal circumstances or a change in goals. There is normally no charge for amending the financial plan. In performing these services, Lauer Wealth Management is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. Lauer Wealth Management may recommend clients engage the Firm for additional related services, its Supervised Persons in their individual capacities and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if clients engage Lauer Wealth Management or its affiliates to provide additional services for compensation. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to

act upon any of the recommendations made by Lauer Wealth Management under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising the Firm’s recommendations and/or services. Fees for these services are separate from Asset Management fees and are usually based on the size and scope of the plan and the various locations of assets advised. For example, a client may have 401k and 403B assets which we consider in our plan and even advise the client about. If we manage money for the client under an asset management agreement, we may not charge the asset management fee on these assets, even though they are monitored, reported, and included in our reviews with the client. However, we will include the assets when determining our financial planning fees. We normally charge about 1% of the investment assets, including the “excluded assets” such as the 401k and 403b assets. For example, if a client has $350,000 of assets to consult to, our fee would be $3,500, even if we would begin the asset management relationship with only $150,000 of assets under management at our firm. Because the financial planning fee is generally paid from the assets we manage at Lauer Wealth, it may appear your asset management fee is initially higher than our asset management fee schedule, but it is because the financial planning fee, not asset management fees. Business Consulting Lauer Wealth also consults to business owners and prospective owners regarding business decisions, expansion, sales, and purchases. Lauer Wealth may charge a separate fee for these services and these services can be stand alone or in conjunction with other services Lauer Wealth provides under a comprehensive engagement. Fees charged for these services can be billed on an hourly or project basis. Hourly rates can range from $225 to $400 per hour RETIREMENT PLAN CONSULTING SERVICES depending on the scope of the engagement. Project fees can range from $1,000 to $25,000. An engagement letter outlines each consulting agreement. We provide various Consulting services to qualified employee benefit plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing and optimizing their corporate retirement plans. Lauer Wealth Management is able to act as a fiduciary and offer services to plans at ERISA Section 3(21) or 3(38) level. Each engagement is individually negotiated and customized, and may include any or all of the following services:
• Plan Design and Strategy
• Plan Review and Evaluation
• Investment Selection
• Plan Fee and Cost Analysis
• Plan Committee Consultation
• Executive Planning & Benefits
• Fiduciary and Compliance
• Participant Education We seek to evaluate a client’s current financial situation and then to design and implement an investment plan aimed at achieving a client’s financial objectives. Our investment programs use asset allocation models that we design to meet the investment objectives and risk tolerance of the client. Some clients may have identical or nearly identical models and investment vehicles as some clients may have very similar resources, goals, and risk tolerance. Most client investment models will invest primarily among various exchange- traded funds (ETFs), mutual funds, stocks, bonds, and CDs. Where appropriate, we may also provide advice about legacy positions and other investments held in client portfolios. Clients may also engage us to manage and/or advise on certain investment products that are not maintained at their primary custodian (outside accounts), such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, we recommend the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. Lauer Wealth Management may research, monitor the performance of, and make recommendations regarding outside accounts but is not responsible to execute the recommendations regarding these accounts. We tailor our advisory services to meet the needs of its individual clients and seek to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. We consult with clients on an initial and ongoing basis to assess their risk tolerance, time horizon, liquidity constraints and other factors relevant to the management of their portfolios. Clients are advised to promptly notify the Firm if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. WEALTH MANAGEMENT PROGRAM SERVICES