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PPI provides sound financial planning advice regarding taxes, investments, retirement, pension, estate, insurance, business and general financial matters. PPI also offers income tax return preparation, payroll and accounting write-up services and internal investment management services to manage mutual fund, variable annuity, and stock portfolios. PPI also serves as Third Party Manager (TPM) for other RIA firm's clients. Occasionally PPI may recommend third party asset management. If specifically authorized by the client, PPI or occasionally third party managers, may have discretion as to what securities and the amount of securities that may be bought or sold, but only within your custodial account. Most managed accounts are invested in mutual funds which may be through mutual fund families, brokerage accounts or variable annuity accounts. Managed accounts may also be invested in stocks, bonds and other exchange listed vehicles in brokerage accounts. Mark A. Schneider, President of PPI reviews each managed account at least quarterly. Managed accounts are reviewed daily when the managed investment and/or corresponding index trends (a proprietary tool discussed in #12 below) are within 5% of their respective price. At least annually Managed Account clients receive a current position report showing investments name, current market value, amount invested, date invested and performance at least from inception of the asset management agreement. 4. Who does PPI serve? PPI serves individuals, businesses, estates, trusts and charitable organizations. PPI also serves as a Third Party Manager (TPM) for other RIA firm's clients. 5. Who can benefit most from the services of PPI? Anyone who has a financial, tax, investment concern, or who wishes to plan prudently for his or her financial future can benefit from PPI's services. Also, persons who desire a more sophisticated level of investment management and financial planning services may find PPI's programs appealing. Other RIA firms have also found value in PPI's TPM. 6. What is a Financial Planner? A Financial Planner done an in depth review of your financial situation that incorporates your goals and objectives and focuses on income tax planning, asset management, estate planning, risk management, educational planning and retirement. The plan analyzes and recommends ways that you can achieve your financial goals. 7. How much does PPI charge for planning, tax, payroll and write-up services? PPI charges fees based on $150 per hour for work done by a CFP and $25 to $50 for staff work. In most cases PPI will quote a flat fee based on an estimate of the number of hours required to complete the engagement. The fee is payable 30 days after the work has been completed and billed. 8. How does PPI charge for investment management services? Fees are based on a percentage of assets under management. If assets are managed internally by PPI (which most are), the maximum annual management fees range from 1% to 2.5%, depending on the amount under management. The minimum account size is $100,000. If the assets are managed by a third party investment management firm recommended by PPI, the maximum annual fees range from 1% to 2.5%, depending upon the amount under management. Of this amount, the third party investment manager pays PPI a negotiated fee of 0% to 100%. The minimum annual fee charged by third party investment management firms ranges from $350 to $2,500. Investment management fees and minimum account size are negotiable for both internally managed accounts and third party managed accounts. 9. How are PPI and PPL related? PPI has an arrangement with Plan Professionals, Ltd. (PPL), a member of NASD as a limited broker/dealer, is engaged in the sale of mutual funds and variable annuities, whereby PPL, under the rules of the National Association of Securities Dealers (NASD), has obligations to maintain records and perform other functions regarding certain aspects of the investment advisory activities in relation to certain advisory accounts for which investment advice is provided. In certain instances PPL may collect, as paying agent for PPI or from third party management firms, the investment advisory fee and PPL may retain a portion as a charge to the investment advisor (not the client) for functions PPL is required to carry out by NASD. This portion of the fee does not increase the fee the client has agreed to pay pursuant to the client's advisory agreement. Mark A. Schneider owns 100% of both PPI and PPL. 10. If you use PPI to develop a Financial Plan are you required to purchase recommended products from PPI or Mark A. Schneider? No. Mark A. Schneider, CFP, EA, is president and 100% shareholder of PPI and is also president, principal, registered representative and 100% shareholder of Plan Professionals, Ltd. (PPL) and is a licensed insurance agent and broker for various insurance companies. PPL, a member of NASD, is a diversified financial services company engaged in the sale of specialized investment products. If you purchase financial products from Mr. Schneider, he may receive the normal commission as disclosed in the contract between you and PPI. However, you are under no obligation to purchase any recommended product or to purchase any product from officers or PPL. Officers may buy or sell recommended investments for their own personal accounts. However officers are too small of advisors or investors to noticeably affect the market. The restrictions or internal procedures used for conflicts of interest are incorporated in Mr. Schneider's Certified Financial Planner certification which requires conduct mandated by The International Board of Standards and Practices for Certified Financial Planners, Inc. (IBCFP). Code of Ethics and Standards of Practice which state in Section II Objectivity, in part, "A Certified Financial Planner designee shall exercise reasonable and prudent professional judgment and shall otherwise act in the best interest of the client". Further Officers and all employees of PPI are required to continually adhere to the mission statement of PPI, "Always act in the best interest of the client." Full disclosure will be provided at the time of solicitation pursuant to Rule 206(4)-3 of The Investment Advisors Act of 1940. 11. What types of securities does PPI provide advice? PPI provides advice on equities (exchange-listed, over-the-counter and foreign issues), warrants, corporate, municipal debt (bonds), commercial paper, certificates of deposit, Investment Company (mutual funds, variable annuities and variable life), Unites States government (bonds), interests in partnerships (real estate, oil and gas, equipment leasing and cable vision), real estate investment trusts (REITS) and precious metals. No load vehicles are normally recommended, but if buying or selling securities is involved, PPI helps you find the most efficient low cost brokerage service. 12. What method of analysis, sources of information and strategies does PPI use to analyze investments? PPI uses technical analysis, charting, fundamental analysis and cyclical analysis. The sources of information used by PPI include financial newspapers and magazines, newsletters, research materials and recommendations prepared by others, corporate rating services, annual reports, prospectuses, filings with the Securities and Exchange Commission and company press releases. Strategies implemented by PPI include both long term and short term perspectives as they relate to securities purchases and overall asset allocation. PPI utilizes different management styles depending upon client preference or PPI discretion. Generally during bull markets PPI utilizes their WealthCare strategy that allocates the portfolio over several asset categories according to client risk tolerance or a WealthCare Hedged strategy that also utilizes bear fund mutual funds. Both strategies may use traditional mutual funds, enhanced index and sector mutual funds, and/or strocks, bonds, and iShares. 13. Does PPI guarantee investment performance?No. 14. Will client information be kept confidential? Yes. It is the law as it relates to fiduciary relationships. 15. Once a plan is completed, does our relationship end?