Modular Financial Planning
Agreement Walkthrough Guide

The appendices attached to this Agreement discuss the services we provide and the fees for those services. These fees are negotiable. We do not charge hourly for our services. Our flat fee is determined by several factors including, but not necessarily limited to, an estimate of the amount of time it may take to perform our services—which can be highly variable between clients—and comparable services in the marketplace.

Because the delivery of our services is based on information that the Client provides to the Advisor, the completeness and accuracy of such information is essential. The Client agrees to discuss current financial resources and projected needs with the Advisor, and to provide copies of any financial documents that the Advisor may reasonably request to evaluate the Client’s financial circumstances and provide a financial plan. The Client agrees to promptly notify the Advisor, in writing, of any changes in the information provided or in the Client’s circumstances that may affect the financial planning services. The Client shall have the sole responsibility for determining whether to implement the recommendations contained herein.

It is expressly understood and agreed between the parties that Q3 Advisors will not provide accounting or legal advice nor prepare any accounting or legal documents for the implementation of the Client’s financial planning objectives. The Client is urged to work closely with his/her attorney and/or accountant when implementing recommendations set forth in the written summary.

If Client is an individual, Client represents that he or she is of legal age. If Client is a corporation, partnership, or limited liability company, the person signing this Agreement on behalf of the Client represents that they have been duly authorized to do so. If this Agreement is entered into by a trustee or other fiduciary, the trustee or fiduciary represents that Q3 Advisors’ investment advisory and management services are authorized under the applicable plan, trust, or law, and that the person signing has the authority to negotiate and enter into this Agreement. Client will inform the Advisor of any event that might affect this authority or the propriety of this Agreement.

The Client agrees to deliver to the Advisor all forms and corporate resolutions or similar documentation evidencing the undersigned’s authority to execute and deliver this Agreement. Client also agrees to provide such organizational documents and any other documents that the Advisor may reasonably require. The Client agrees that the Advisor shall not be liable for any losses, costs, or claims arising from Client’s failure to provide the required documentation. The Client warrants and represents that it owns any accounts, assets, securities, or other property used in the financial planning process and that no restrictions on disposition exist for such assets or property.

The Client understands and agrees that multiple signatories to this Agreement will constitute one Client for the purposes of delivering services under this Agreement. Accounts with multiple clients, trustees, or representatives (such as a joint account or a trust account) shall be considered one Client. If the Advisor receives information from one client or representative, that information may be shared with the other client(s) or representative(s) of that account. If one client or representative gives the Advisor authorization under this Agreement, that authorization shall be valid for all clients and representatives of that account.

The Advisor shall keep confidential all information concerning the Client’s identity and financial affairs except as required by law. Additionally, Client authorizes the Advisor to disclose to third parties (such as technology and software companies) whatever information the Advisor deems reasonable in connection with performing its obligations under this Agreement.

Client authorizes the Advisor to deliver, and agrees to accept, all required regulatory notices and disclosures, as well as all other correspondence from the Advisor, via electronic mail. The Advisor shall be deemed to have completed all delivery requirements upon sending such documents, notices, or correspondence to the Client’s last provided email address. This authorization may be revoked by the Client at any time.

Client shall notify the Advisor, in writing, of any changes to the Client’s email address. Until notified, the Advisor shall rely on the most recent email address provided by the Client. Client acknowledges that they have the ability to receive and open standard electronic mail and corresponding electronic documents. The Client further acknowledges that there is some risk of cyberattack associated with electronic delivery. If, at any time, the Client’s electronic delivery situation changes, or if the Client is unable to open a specific document, the Client agrees to immediately notify the Advisor so that the issue can be addressed and resolved.

By providing one or more email addresses in Section 16 of this Agreement, the Client authorizes electronic delivery, acknowledges, and agrees that such delivery pertains only to documents sent from the Advisor, and warrants that the Client is the rightful owner of the provided email addresses.

Client acknowledges that the Advisor acts as an investment advisor to other clients and may provide advice or act with respect to those other clients (including clients with objectives similar to those of Client) that may differ from the advice given or the timing or nature of actions taken in connection with the services rendered.

Client recognizes that the financial planning services described in this Agreement involve the Advisor’s judgment and that no specific result or outcome is guaranteed. Client represents that no party to this Agreement has made any guarantee, either oral or written, that Client’s investment objectives will be achieved.

Client agrees to promptly notify and discuss with the Advisor any significant changes in the Client’s financial circumstances or investment objectives that might affect the management of the account(s). The Client also agrees to provide the Advisor with any additional information requested to assist in delivering financial planning services.

If Client is a natural person, the death, disability, or incompetency of Client will not terminate or change the terms of this Agreement unless the Advisor receives legal notification. However, the Client’s executor, guardian, attorney-in-fact, or other authorized representative may terminate this Agreement by providing written notice to the Advisor as specified in Section 10.

You agree that the Advisor may amend this Agreement from time to time. Nothing in this Agreement or any amendment shall be deemed waived or amended without the prior express written consent of the Advisor executed by a duly authorized representative.

Subject to applicable law, you agree that if the Advisor sends you prior notice of any matter requiring your consent or agreement, and indicates that you will be deemed to have consented unless you object in the manner and by the deadline stated in the notice, you will be deemed to have given your consent if no objection is received.

Client understands that this Agreement may be terminated without penalty within five (5) business days from the date of the signed Agreement. Thereafter, this Agreement will remain in effect until terminated. Either party may terminate this Agreement by providing written notification (email notification will suffice). The termination date shall be the date either party receives written notification from the other party. Within 30 days of receiving written notification from Client, the Advisor agrees to refund the prorated portion of any prepaid fees.

Termination of this Agreement will not affect (a) the validity of any action previously taken by the Advisor under this Agreement; (b) liabilities or obligations of the parties from transactions initiated before termination; or (c) Client’s obligation to pay Advisor’s fees (prorated through the termination date). Upon termination, the Advisor will have no obligation to recommend or take any further action regarding the services under this Agreement.

If you have prepaid for services and terminate your agreement prior to Q3 Advisors providing a final written deliverable, the amount returned will be the total prepaid amount less the earned amount (calculated at $500 per hour) for the time services were provided. Partial deliverables may be provided in the event of termination. If Q3 Advisors terminates the Agreement prior to a final written deliverable, any prepaid amount will be refunded.

Otherwise, this Agreement terminates when the following have been accomplished:

Our Advisor has analyzed your current financial plans and integrated Roth conversions into your projected financial and retirement plans. Our Advisor has created a variety of Roth conversion scenarios and presented them to you, enabling you to ascertain the best alternative among the strategies presented. You will see projections of taxes, projected amounts of taxes avoided through each strategy, the potential impact on future Medicare premiums, and the result of your tax-adjusted net worth projections. Our Advisor has presented you with a detailed schedule of each year’s estimated distributions, estimated conversions, and estimated tax liabilities for the duration of the selected conversion strategy. Our Advisor has equipped you to make the necessary requests to your custodian, or, if you have an existing advisor, assisted you in making the first year’s conversion with your custodian. Most client engagements meet these objectives within ninety days from initiation.

This Agreement will be governed by and construed in accordance with the laws of the state of the Client’s domicile, without giving effect to any conflict or choice of law provisions, provided that nothing in this Agreement shall be construed in any manner inconsistent with applicable federal and state securities laws.

If any provision of this Agreement is or becomes inconsistent with any law or rule of any governmental or regulatory body having jurisdiction over the subject matter, that provision shall be deemed rescinded or modified accordingly. In all other respects, this Agreement shall remain in full force and effect.

No term or provision of this Agreement may be waived or changed except in writing signed by the party against whom such waiver or change is sought. The Advisor’s failure to insist on strict compliance with this Agreement at any time shall not constitute a waiver of any rights. This Agreement contains the entire understanding between Client and Advisor concerning its subject matter.

If a dispute arises out of or relates to this contract or an alleged material breach, and if the dispute is not settled through negotiation, the parties agree to first try in good faith to settle it by mediation within 30 days, administered under a mutually agreed-upon forum, before resorting to arbitration, litigation, or other dispute resolution procedures. The process shall remain confidential under terms acceptable to the mediator. This section does not waive any Client rights to choose a judicial forum if such a waiver would be void under applicable law.

This Agreement may not be assigned (within the meaning of the Investment Advisors Act of 1940) by either party without the prior consent of the other. Client acknowledges that transactions not resulting in a change of actual control or management of the Advisor shall not be considered an assignment pursuant to Rule 202(a) under the Investment Advisors Act of 1940.

The Advisor may not assign its rights or obligations under this Agreement without the Client’s consent. Such consent may be obtained by a “negative consent” process whereby, if the Client does not object in writing within a reasonable period (at least 30 days), consent is deemed given.

Client acknowledges receipt of a copy of the Advisor’s Form ADV Part 2A and any brochure supplements, the firm’s Form CRS, and the Advisor’s Privacy Policy.

This Agreement (including any Appendices) shall be effective upon the signatures of all undersigned parties.

Our financial planning fees will auto-draft from your bank account or auto-charge from your credit card. The funds will automatically be withdrawn from your designated account on the date of your Data Gathering meeting. We are not liable for errors or delays in auto-draft transactions. By enrolling, you agree to these terms. Contact us with any questions.

This Appendix is attached to and made part of the Financial Planning Agreement between Q3 Advisors, LLC, and the Client.

Modular Financial Planning is the selection of one or more of the following modules. A module considers the indicated subject matter only. Our fees for this service are:

1 module = $1,000 start up fee + $2,000 per module 2 modules = $1,000 start up fee + $3,500 3 modules = $1,000 start up fee + $5,000 4 modules = $1,000 start up fee + $6,500 5 modules = $1,000 start up fee + $8,000 Existing clients are eligible for the start-up fee to be waived.

The Client receives up to seven (7) hours for each selected module. We believe that is a reasonable estimate of the total meeting and analysis time needed for each module. Any additional time needed or requested by the Client will be billed at $400 per hour. Billing is assessed to the nearest 30-minute increment. Client will be notified in advance of any additional time that would be needed, and said work will not be completed unless Client gives approval.

For example, if the additional time is 12 minutes, there is no charge. If the additional time is 16 minutes, it will be billed as a 30-minute increment. Payment is immediately due.

The Advisor and Client will outline the personal scope of each requested module. This outline will serve as the direction that the Advisor will proceed. The Client understands and agrees that, after this Agreement terminates (upon completion of the below selected modules and personalized outline, and pursuant to Section 10), a new Agreement shall be entered into by the Advisor and the Client for additional financial planning services.

Module Descriptions

Investment Portfolio Analysis/Financial Goals: Q3 evaluates Client’s current investment portfolio with respect to asset allocation strategy, risk to the portfolio, manager’s efficiency and the impact of fees paid. This analysis is based on the Client’s specific needs. These include the Client’s goals, objectives, and risk tolerance. As part of the process, Q3 documents your projected asset balances, income, expenses, and provides advice regarding the investment portfolio’s impact on Client’s goals.

We do not provide investment management services, and we do not have access to Client’s investment accounts. We can evaluate investment objectives and recommend investment management resources and/or firms. If desired, we can participate in the process of evaluating an investment advisor. No portion of fees paid to an investment advisor are received by Q3.

Retirement & Cash Flow Planning: Q3 assesses projections of achieving Client’s personal and financial goals for retirement. Q3 will focus on advising Client regarding various target dates for retirement and their impact on long term security. Q3 will also help Client to understand their target investment returns, optimal timing for Social Security and/or pensions or other fixed income sources, and projections of anticipated Medicare premiums. Q3 will also review the impact of income taxes on future retirement decisions. Retirement planning can include recommending changes to current strategies, distribution strategies, and optimizing assets in retirement.

Estate Planning: Depending on Client’s income and total assets an estate portion of the plan may be created. This is also used by Q3 as a discussion to help Client plan for asset growth over time. Q3 assesses Client’s total information to determine your tax exposure and the adequacy of Client’s estate plan. Areas covered and discussed are wills, powers of attorney, trusts, and other estate needs. Q3 will help prepare clients for family discussions and meetings with estate planning attorneys.

We do not provide legal advice and do not prepare legal documents. We can recommend attorneys, if desired, and can participate in the estate planning process. No portion of fees paid to attorneys are received by Q3 Advisors.

Tax Planning Strategies: Q3 helps Client manage tax liability and strategies to minimize current and future income taxes as a part of the overall financial plan. Q3 will recommend taxable or non-tax accounts as applicable, noting that there is always a possibility of future changes to federal, state, or local tax laws and rates that may impact Client’s situation. Q3 requests and recommends Client consult with a qualified tax professional before initiating any tax planning strategy.

Q3 will, if requested, provide a recommended tax attorney or accountant to Client. The Client is solely responsible for tax planning services from these third parties. No portion of fees paid to CPAs, tax attorneys or tax preparers are received by Q3.

Employee Benefits Optimization: Q3 provides a review and analysis as to Client(s), as employee(es), are maximizing retirement program options/benefits. If Client owns a business, Q3 provides insight, assessment, and recommendations regarding the various benefit programs that can be structured to meet both business and personal retirement goals.

Insurance/Risk Management: Q3 provides an insurance/risk management review of Client’s exposures to major risks that can financially impact Client. These include premature death, temporary or long-term disability, property and casualty losses, or the need for long‐term care services and others. Q3 provides advice on ways to mitigate such risks compared with the cost of purchasing insurance or the impact of not using insurance.

We do not provide insurance products. We can recommend insurance professionals, if desired, and can participate in the purchase process as an advocate for Client. No portion of commissions paid to the insurance professional are received by Q3.

Charitable and Other Gifting Planning: Q3 Advisors provides assistance in helping you make the most of your charitable giving by designing strategies that align with your financial goals and values. From leveraging donor-advised funds and other tools to minimize taxes, to creative approaches like funding heirs’ education or exploring unique gifting ideas, we’ll craft a plan that maximizes your impact while preserving your wealth. Our goal is to make giving back both meaningful and financially smart.