A. Description of Advisory Firm Modern Dollar Planning, LLC is registered as an Investment Adviser with the SEC. We were founded on January 1, 2015. Modern Dollar Planning is owned and operated by Mark Schweiss. As of December 31, 2023, Modern Dollar Planning manages $104,124,870 on a discretionary basis and $0 on a non-discretionary basis. B. Types of Advisory Services Modern Dollar offers financial planning and investment management services to individuals, high net worth individuals, trusts and estates in Missouri and other states (each referred to as a “Client”). 1. On-Going Wealth Management Modern Dollar Planning provides customized financial planning solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management, consulting services, and financial planning services integrated into one service. Financial planning may include retirement planning, cash flow and debt management, income tax planning, insurance needs analysis, estate planning, employee benefits, college savings, financial goal setting, investment analysis and investment management services provided on a discretionary basis. Modern Dollar Planning works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create an appropriate portfolio allocation. Through investment management, our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal investment policy or an investment plan with an asset allocation target and create and manage a portfolio based on that policy and allocation target. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. We may also review and discuss a client’s prior investment history, as well as family composition and background. Modern Dollar will not provide securities custodial or other administrative services. At no time will Modern Dollar accept or maintain custody of a Client’s funds or securities. All Client assets will be managed within their designated brokerage account or pension account, pursuant to the Wealth Management Agreement. Account supervision is guided by the stated objectives of the client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure. Modern Dollar’s investment philosophy is primarily based upon Modern Portfolio Theory and other academic research. The Advisor implements its strategies primarily through the use of low-cost passively managed exchange-traded funds (“ETFs”) such as those offered by Vanguard, iShares, State Street Global Advisors and Dimensional Fund Advisors. Diversification, cost, and tax efficiency are all important factors in determining which funds to use and how they are implemented for a Client's account(s). The Advisor may utilize individual fixed-income securities and other types of securities, as appropriate for a particular Client (See Item 8 for details). Modern Dollar’s investment strategy is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that

have been held less than one year to meet the objectives of the Client or due to market conditions. Modern Dollar will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Modern Dollar evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Modern Dollar may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Modern Dollar may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. Modern Dollar may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in the risk tolerance of a Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Prior to rendering investment advisory services, Modern Dollar will ascertain, in conjunction with the Client, the Client’s financial situation, risk tolerance, and investment objectives. C. Client Account Management Prior to engaging Modern Dollar to provide investment advisory services, each Client is required to enter into a Wealth Management Agreement with the Advisor that defines the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Assess Investment Risk Tolerance – Modern Dollar will assess each Client’s willingness, ability and need to take risk through a questionnaire, in person discussions and financial projections.
• Asset Allocation – Modern Dollar may develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client. 

• Portfolio Construction – Modern Dollar may develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. 

• Investment Management and Supervision – Modern Dollar may provide investment management and ongoing oversight of the Client’s portfolio and overall account. 
 D. Client Tailored Services and Client Imposed Restrictions We offer the same suite of services to all of our clients. However, specific client financial plans and their implementation are dependent upon client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Modern Dollar Planning will accommodate requests to aid in the selection of portfolios built around reasonable restrictions, including, but not limited to, restrictions on specific security ticker symbols or companies, industry sectors (for example, excluding tobacco products or firearms), or credit quality (for example, bonds rated A or higher). Modern Dollar Planning will notify clients if a restriction is deemed unreasonable and/or irreconcilable with a portfolio that is otherwise consistent with client’s Investment Policy Statement. E. Wrap Fee Programs We do not participate in wrap fee programs.