Compass Planning Associates was originally established and registered as an investment advisory firm in 1996 as a sole proprietorship. In 2003, the firm changed its name to Compass Planning Associates, Inc. (Compass Planning) and continues to provide financial and investment planning services. Jennifer Lane is the founder and President of Compass Planning. Compass Planning provides comprehensive financial, investment and tax planning advice on a fee-only basis by the project, the hour or by the year, depending on client need. New prospective clients are first introduced to the firm through a 15 to 30 minute discussion to review the client's planning questions, financial information and primary planning focus. The financial planning project scope, outcome and fee is then determined and agreed to by the client and the planner. Compass Planning also provides investment recommendations as a part of its service and is available to execute those recommendations on a discretionary and non-discretionary basis for clients. As of September 30, 2023, Compass Planning has $118,216,131 of non-discretionary assets under on-going and continuous supervision/management for clients who were participating in the Ongoing Planning and Portfolio Recommendations service (see below for more details on services below). Planning by the Project or by the Hour Our relationship with a new client often starts with a Comprehensive Financial Plan for a project fee. Annual Reviews of the plan follow, at the client’s request, and are billed hourly. Hourly planning is also available for specific questions when a full project plan isn’t needed. A Comprehensive Financial Plan is usually structured around 3, two-hour meetings depending on the client’s situation and project scope. During the course of the project every effort is made to answer the client's planning and investment questions and ensure that recommendations are understood, and that the client feels comfortable completing/implementing the tasks and recommendations. ● During the course of a typical project, we will ○ Discuss financial, investment and life goals ○ Make detailed calculations and make recommendations for savings goals and nest egg targets ○ Provide financial guidance and suggestions on how to increase the probability that the financial goals are achieved ○ Establish risk tolerance and make asset allocation and investment recommendations ○ Discuss debt management and cash flow planning ○ Review risk management and insurance plan status and make recommendations to fill gaps ○ Review estate plan status and help implement the current estate plan A financial plan must consider the client's complete financial situation. The client should do their best to provide a complete picture to the planner and should let the planner know if their circumstances change. Financial plans should be reviewed by the client at least annually. The client should contact the planner if they would like to schedule an Annual Review meeting or if they have questions about their financial 4 of 24 | Page plan. Many planning questions can be answered without the need to bill a separate fee. For more extensive questions or plan changes, work completed after an initial project can be billed at our hourly rate or a project rate agreed upon in advance. The client will retain rights of ownership of all securities and

funds in their accounts. Account aggregators like MINT, CashEdge AllDataAdvisor or Yodlee are often used to help support the planning process, but at no time does the planner take custody or have access to client assets. Planning by the Year: Ongoing Financial Planning and Portfolio Management Clients with complex financial or investment situations, who are too busy to manage day-to-day financial and investment issues, or who wish to have a partner in their regular financial decision making, are a good fit for this service. (More information regarding Compass Planning’s investment strategies can be found in Item 8.) Where applicable, the client will give Compass Planning a limited power of attorney to make trades in their accounts. Compass Planning will also be available to perform general customer service tasks such as assisting Clients with account maintenance related tasks as well as information about available cash balance amounts, beneficiary information, and mailing address changes. Compass Planning is not related to any broker dealer and its Investment Advisor Representatives are not Registered Representatives. If clients have no other preference, we may recommend that investment accounts are moved to Fidelity Institutional Wealth Services or Schwab Advisor Services to ease in reporting, tracking and trade execution. Moving accounts is not a requirement for the service and often clients maintain accounts at other brokerage firms including Vanguard, TIAA, and Betterment. Compass does not receive any compensation from any custodian – including Fidelity or Schwab – for making a referral. The client will continue to maintain direct online access to their accounts and the client’s custodian will continue to send regular account statements – containing a description of all transactions and all account activity – directly to the client. Planning by the Year service is meant as an extension to a Comprehensive Financial Plan and is focused on helping the client keep their financial plan on track. To this end, quarterly planning meetings are scheduled and planned as regular check-ins. Issues and concerns that are often covered include: ● Changes and updates to the financial and/or investment plan as the client's financial situation changes ● Review of the investment portfolio (including current economic trends, upcoming client cash flow needs and discussion of client risk tolerance) ● Recommendations to change asset allocation and/or investments, as needed, and implementation of those changes after discussion and approval of the client ● Investment performance comparisons ● Implementation of regular savings or cash flow plans ● Review of existing estate plans and insurance policies, referrals to appropriate advisors for guidance, if needed 5 of 24 | Page ● Tax planning as it relates to the investment portfolio (for example - discussing and implementing a tax-advantaged investment strategy or planning tax-smart income withdrawals during retirement) ● Coordination with the client’s other advisors on estate, tax, insurance or investment plan issues A financial plan must consider the client's complete financial situation. The client should do their best to provide a complete picture to the planner and should let the planner know if their circumstances change. Compass Planning does not participate in wrap fee programs.