Standard Planning Agreement

Actual Agreement will have the prices based on the selected scope of agreement. This and any agreement is null-&-void if no signature is attained by either party

Standard Planning Agreement

Singh PWM

The undersigned party (herein referred to as “Client”) enters into this Financial Planning & Consulting Agreement (“Agreement”) dated_______________________(the “Effective Date”) with Singh Private Wealth Management LLC (“Singh PWM”), a Registered Investment Adviser located at 3829 N 4th ST, Phoenix, AZ 85012.

Financial Planning & Consulting Services

Singh PWM provides various financial planning and consulting services based on the Client’s current financial circumstances and the Client’s financial and personal goals and objectives. Generally, such financial planning and consulting services will involve preparing a financial plan or rendering a financial consultation based on the Client’s financial goals and objectives. Singh PWM will summarize its services to the Client in a written plan, which will typically include general recommendations for a course of action or specific actions to be taken by the Client. Implementation of the recommendations will be at the Client’s discretion. Singh PWM provides its financial planning and consulting services on either a project basis or as an ongoing, comprehensive annual plan.

Singh PWM will provide financial planning and/or consulting services in the areas specified below:

Business Tax Planning

Actual Agreement will have the prices based on the selected scope of agreement. This and any agreement is null-&-void if no signature is attained by either party

______________________________________________________________________________________________________________________________________________________

When Singh PWM provides investment advice to you regarding your retirement plan account or individual retirement account, Singh PWM and its representatives are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way Singh PWM make money creates some conflicts with your interests, so Singh PWM operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours.

Singh PWM does not render tax advice but provides planning when suitable as it relates to tax liability minimization strategies.

Client’s Responsibilities

The Client represents and confirms that the Client is authorized to engage in this Agreement with Singh PWM. In order to produce an accurate and useful plan, Singh PWM may reasonably request certain documents in order to permit a complete financial evaluation, including, but not limited to: insurance policies, wills, tax returns, and other documents depending upon the Client’s circumstances. The Client understands that Singh PWM’s performance of the services agreed to under this Agreement are dependent upon the Client providing current and complete copies of the requested information. The Client agrees to promptly notify Singh PWM if there are any changes in the Client’s financial situation or investment objectives or if the Client wishes to impose any reasonable restrictions upon Singh PWM’s financial planning services.

Fees and Expenses

The Client agrees to pay Singh PWM a fee for the financial planning and/or consulting services provided under this Agreement. Singh PWM’s financial planning and consulting services are available on either an hourly basis, an ongoing basis, or for a fixed fee. The fees are set forth in Exhibit A, pursuant to the terms of this Agreement and the terms set forth in Exhibit A. All fees may be negotiable depending upon the complexity of the Client’s circumstances and are due within thirty (30) days from the Client’s receipt of the relevant invoice.

The Client acknowledges and agrees that the fees are reasonable in light of the services to be provided by Singh PWM. The Client acknowledges and agrees that fees are established for each individual client of Singh PWM based on the individual circumstances of such client and that Singh PWM may charge any client a different fee in its sole discretion, then the fee established for the Client.

Singh PWM may amend the fees outlined in Exhibit A if Singh PWM provides the Client with written notice of the amendment 30 days in advance.

Non-Exclusivity

The Client understands that Singh PWM provides investment advisory and financial planning and consulting services to multiple clients with different economic needs and agrees that Singh PWM may give advice and take action concerning any of its other clients, which may differ from the advice given or the timing or action taken regarding the Client’s Account. Nothing in this Agreement shall put Singh PWM under any obligation to purchase or sell, or to recommend for purchase or sale for the account, any securities which Singh PWM, its employees, affiliates, representatives, or agents, may purchase or sell for themselves or for the account of any other client unless, in Singh PWM’s determination, such investment would be in the best interest of the Client.

Implementation

The services provided under this Agreement are limited to recommending strategies for the Client to consider in achieving the Client’s financial objectives. The Client is under no obligation to purchase any financial product or service from Singh PWM during or after this planning process.

At the Client’s request, Singh PWM will assist in the facilitation of the implementation of the written financial plan with the Client’s attorney, tax accountant, and any other professional advisors.

Risk Acknowledgment

Singh PWM does not guarantee any specific level of performance of any recommendations made. The Client understands that recommendations and strategies made as part of the plan created for the Client are subject to various markets, currency, economic, political, and business risks, and that those investment decisions will not always be profitable.

Actual Agreement will have the prices based on the selected scope of agreement. This and any agreement is null-&-void if no signature is attained by either party

Liability

The Client recognizes that recommendations made by Singh PWM are opinions only and that Singh PWM cannot guarantee any level of performance. All investments have a potential risk of loss that the Client must understand and be willing to bear before implementing any of Singh PWM’s recommendations. It is further understood that neither Singh PWM nor any of its employees are qualified to render legal services or prepare legal documents.

The federal and state securities laws impose liabilities under certain circumstances on persons who act in good faith. Therefore, this Agreement does not constitute a waiver of any of the Client’s legal rights under common law or Federal and State securities laws.

Non-Waiver of Compliance

Nothing in this Agreement may be interpreted to waive or limit any obligation of Singh PWM to comply with the Advisers Act or any rights that the Client may have under applicable federal and state securities laws, rules and regulations.

Termination; Cancellation; Assignment

For project-based, fixed fee planning services, this Agreement will terminate upon plan delivery. For ongoing, annual planning services, this Agreement will renew automatically each year. In any case, either party may terminate the Agreement at any time by giving thirty (30) days signed written notice to the other party. In the event that either party terminates this Agreement, any fees will be prorated to the date of termination, and the Client will be refunded any unearned portion of those fees. The Client will be responsible for any earned portion of those fees based on an hourly rate and work completed.

Neither the Client nor Singh PWM may assign this Agreement without the express prior written consent of the other party, within the meaning of the Advisers Act and/or any applicable state securities law.

Governing Law

This Agreement will be governed by and construed in accordance with the laws of the state in which the client resides without giving effect to its conflict of laws principles. The Agreement shall be interpreted in a manner consistent with federal and state securities laws, and nothing in this Agreement shall be construed in any manner inconsistent with such laws or any rule, regulation, or order promulgated thereunder and applicable to Singh PWM.

Disclosures

Client acknowledges receipt of Part 2 of Form ADV; a disclosure statement containing the equivalent information; or a disclosure statement containing at least the information required by Part 2A Appendix 1 of Form ADV, if the client is entering into a wrap fee program sponsored by the investment adviser. If the appropriate disclosure statement was not delivered to the client at least 48 hours prior to the client entering into any written or oral advisory contract with this investment adviser, then the client has the right to terminate the contract without penalty within five business days after entering into the contract. For the purposes of this provision, a contract is considered entered into when all parties to the contract have signed the contract, or, in the case of an oral contract, otherwise signified their acceptance, any other provisions of this contract notwithstanding.

The Client has received and reviewed a copy of Singh PWM’s Privacy Policy detailing how Singh PWM protects the Client’s non-public personal information. Except as otherwise agreed in writing, or as required by law, Singh PWM will keep confidential all information concerning the Client’s identity, financial affairs, and investments; provided, however, that the Client authorizes the Singh PWM to contact the Client’s accountants, attorneys and other consultants as deemed necessary by the Advisor.

Arbitration Agreement

Conforming to applicable law, the Client and Singh PWM agree to settle by arbitration any controversy between themselves and/or any officers, directors, employees, or agents of Singh PWM relating to this Agreement, this account or any account transactions, or in any way arising from the Client’s relationship with Singh PWM. The parties further agree that this arbitration shall be conducted in accordance with the rules of the American Arbitration Association (“AAA”) and shall be submitted to the AAA for resolution if the AAA accepts jurisdiction.

By signing this Agreement, the Client and Singh PWM understand and agree that: (i) The parties are giving up the right to sue each other in court, including the right to a trial by jury, but this agreement to arbitrate does not constitute a waiver of the right to seek a judicial forum where such waiver would be void under federal securities laws, including but not limited to the Advisers Act; (ii) Arbitration awards are generally final and binding, and a party’s ability to have a court reverse or modify an arbitration award is very limited; (iii) The parties’ ability to obtain pre-arbitration discovery including documents, witness statements, or other discovery is more limited in arbitration than in court proceedings; (iv)The arbitrators do not generally have to explain the reason(s) for their award and any party’s right to appeal or to seek modification of rulings by the arbitrators is strictly limited; (v) The list from which the arbitrators are selected may include a minority of arbitrators who were or are affiliated with the securities industry; (vi) The rules of some arbitration forums may impose time limits for bringing a claim in arbitration; (vii) The rules of the arbitration forum in which the claim is filed, and any amendment thereto are incorporated into this Agreement; (viii) The arbitration will be under the Federal Arbitration Act; (ix) Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction; and (x) This pre-dispute arbitration agreement shall survive the termination of this Agreement or services under this Agreement.

The Client acknowledges and agrees that it has had a reasonable opportunity to review and consider this arbitration provision before executing this Agreement.

Any arbitration is voluntary, and the parties understand that, by agreeing to arbitrate their disputes, that they are not waiving any rights under the Advisers Act and/or any applicable federal or state securities laws.

Death and Disability

The Client’s death, disability, or incompetency will not automatically terminate or change the terms of this Agreement. However, the Client’s executor, personal representative, guardian, attorney-in-fact, or other authorized representative may terminate this Agreement by giving written notice to Singh PWM. The Client recognizes that the Custodian may not permit any further account transactions until such time that the Client's representative provides any documentation required to establish authority regarding the Client's account.

Notices and Consent to Electronic Delivery

Any notice given to a party under this Agreement (including notices, instructions, and directions related to changes in the Client’s investment objectives) must be in writing and shall be effective upon receipt by the other party if delivered to the party at its mailing or email address specified in this Agreement. By signing this Agreement, the Client hereby consents to communications from Singh PWM via email without also receiving written copies from Singh PWM. The Client may revoke this consent to email delivery at any time by providing advance written notice to Singh PWM. The Client acknowledges and agrees that it must inform Singh PWM in writing of any changes to the Client’s email address. Client must send to Singh PWM all notices, correspondence, or other communication electronically to raman@singhpwmcom.

Entire Agreement and Amendment

This Agreement contains the entire agreement and understanding between the Client and Singh PWM with respect to the subject matter hereof and supersedes all prior written agreements and understandings with respect thereto. This Agreement may only be amended or modified, and the terms hereof may only be waived upon written agreement of all parties hereto or, in the case of a waiver, by the party entitled to the benefit of the terms being waived.

Acknowledgment

By executing this Agreement, the parties acknowledge, accept, and agree to their respective rights, duties, and responsibilities.

By executing this Agreement, the Client acknowledges receipt of Singh PWM’s Form ADV Part 2A, a copy of the Agreement signed by both parties, and a copy of Singh PWM’s Privacy Policy.

Actual Agreement will have the prices based on the selected scope of agreement. This and any agreement is null-&-void if no signature is attained by either party

EXHIBIT A

FEE SCHEDULE

The Client agrees to pay Singh PWM a Financial Planning & Consulting Fee (“Fee”) for financial planning and/or consulting services outlined in the Agreement, determined, calculated, and payable as follows.

Financial Planning and Consulting Fee Schedule

Hourly: $250 per hour

On-Going Financial Planning Fee

$4,000 Annually

Flat Investment Management Fee

$6,000 Annually

Hourly Rate

The Hourly Rate is based on the amount of time that goes into reviewing your documents (1-2 Hours), research work (1-2 Hours), completion of the plan (1-1.5 Hours), and delivery (1 Hour) of your results via email and a virtual meeting session session. The total # of hours are determined during the initial meeting & initial review your documents.

Fixed Fee

The Fixed Fee is the Comprehensive Financial Plan Fee which is $2,000 for a single person plan and $4,000 for Married Couples. The comprehensive plan fee is for clients desiring a thorough analysis of their current financial plan, along with optimized recommendations, without an ongoing commitment.

Ongoing Annual Planning Fee

The ongoing retainer fee is $250 per month for Single Person or $416 per month for Married/Couples Personalized CFO services based and is for clients seeking a Personalized CFO relationship, with Six pre-planned scheduled sessions aligned to your milestones and plan analysis, unlimited support via emails, access to texting Your Personalized CFO directly, check-ins as needed, an accountability plan; while encompassing on-going investment management and comprehensive financial planning. There is also an initial plan (onboarding fee) of $1,000 to establish this Personalized CFO service.

The Initial Plan Fee (Onboarding Fee) encompasses the expenses associated with onboarding procedures, granting access to the technological infrastructure, conducting preliminary planning analysis, and identifying the scope of planning work.

The Passive Planner Rate is for clients who are currently not in the right phase to work with a financial planner proactively, but need access to the planning tools and written communication from the planner with educational resources. Access to Elements Plan, Monarch Money Platform, and Right Capital Financial Planning Platform, Monthly newsletters. For Any Face-to-Face Sessions or Research work: $250 Per Hour

Financial planning and consulting fees are assessed on an hourly basis, as a one-time project fee, or as an annual fee payable monthly, quarterly, or semi-annually. Clients who choose the annual service will have the option to pay Quarterly. If the client chooses to engage in ongoing financial planning only with no assets under management, the minimum annual fee is $2,500. An estimate for total hours will be determined at the start of the relationship in order to determine whether hourly planning or a project-based plan is in the Client’s best interest. For Hourly fees, you will be required to make an initial payment of $500 (unless discussed to reduce or waived by Singh PWM) at the time of signing this plan agreement, and the remaining balance will be invoiced upon completion of the financial plan or the rendering of consulting services with a thirty (30) day written notice. For one-time projects, the Client agrees to pay the total fee upon signing the Financial Planning and Consulting Agreement. For ongoing financial planning or consulting services, the Client agrees to pay an annual fee paid out monthly, quarterly, or semi-annually in advance. Clients who choose to pay monthly will pay a slightly higher premium. We will not require a fee of $500 or more to be paid six months or more in advance. Financial planning and consulting fees are paid via check or by direct invoicing via an electronic payment processor.

¨Hourly Fee $__ per hour__

# of Projected Hours of Work __________________________

¨ One-Time Project $__________________________

¨ Initial Plan Fee $__________________________

¨ Ongoing Annual Arrangement $__________________________

¨ Add-Ons $__________________________

Total Fee $__________________________

Initial Deposit $__________________________

Balance Due Upon Plan Completion $__________________________

Upon completion of the Client’s financial plan or consulting engagement, Singh PWM will revisit all or some of the following areas of analysis: financial goals, tax planning strategies, asset allocation, risk management, retirement planning, and other areas and objectives such as budgeting, education planning, cash flow planning, charitable planning, lines of credit analysis, insurance analysis, business financial planning, mortgage/debt analysis, and real estate analysis throughout the course of a year via scheduled meetings, calls, or follow-up emails to ensure that the initial recommendations in the financial plan or consulting engagement are implemented or to make adjustments to the Client’s financial plan and/or the Client’s objectives.

¨ An initial plan fee of ____________ you “the client” agree to pay the total fee upon signing the Financial Planning and Consulting Agreement. The agreed upon fee can be paid via check (made payable to Singh PWM) or by direct invoicing via electronic payment processor.

¨ An annual fee of $ (paid monthly, quarterly, or semi-annually) shall be paid for on-going services. This service will automatically renew annually unless terminated by either Client or Singh PWM in accordance with the terms set forth in the Agreement.

¨ An One-Time project fee of $ you “the client” agree to pay the total fee upon signing the Financial Planning and Consulting Agreement. The agreed upon fee can be paid via check (made payable to Singh PWM) or by direct invoicing via electronic payment processor.

¨ The Hourly Project fee of $250 per hour , you “the client” agree to make the initial payment of $500 at the time you sign this agreement and the remaining balance will be due at the time plan is delivered. The agreed upon fee can be paid via check (made payable to Singh PWM) or by direct invoicing via electronic payment processor.

By signing this Exhibit, the Client and Singh PWM agree to the above-described calculation and procedures for paying the Fee due to Singh PWM for services provided under the Agreement.

End of Sample Plan Agreement

Actual Agreement will have the prices based on the selected scope of agreement. This and any agreement is null-&-void if no signature is attained by either party