Terms & Conditions

This Financial Planning Agreement (“Agreement”) is entered into as of the date last signed below, by and between TriCord Advisors, Inc. (“Advisor”) and the undersigned client (“Client”).

1. Scope of Services. Advisor will provide Comprehensive Financial Planning for the Client unless limited services or consulting only services are requested by Client and described on Schedule A. Such services may include retirement planning, cash-flow analysis, tax planning coordination, investment review, risk management analysis, education planning, estate and legacy planning coordination, and other planning-related topics as agreed. Advisor’s services are advisory only. Client retains full discretion over whether and how to implement any recommendations and with whom.

2. Services Not Included. If Client desires discretionary investment management services, such services must be governed by a separate Investment Management Agreement. Unless expressly agreed in writing under a separate agreement, this Agreement does not include: Investment implementation or execution, Discretionary investment management, Ongoing monitoring or
supervision of investments, Brokerage services, Insurance product sales, or Legal or accounting services.

3. Client Responsibilities. Client agrees to provide accurate and complete financial information and to promptly notify Advisor of any material changes. Advisor may rely on information provided by Client and Client’s other professional advisers without independent verification.

4. Fees and Term. Unless otherwise set forth on Schedule A, Client agrees to pay Advisor a flat financial planning fee of $2,500. Payment is due upon execution of this Agreement. This Agreement covers financial planning services for a period of up to twelve (12) months and is generally complete upon delivery of the financial plan to Client. Client may terminate this Agreement at any time, without penalty, by providing written notice to Advisor. Upon termination, Advisor will refund any unearned portion of prepaid fees, if applicable.

5. Risk Acknowledgment. Client understands that financial planning recommendations involve assumptions and forward-looking analysis, and that actual results may differ. Advisor does not guarantee outcomes or results. Nothing in this Agreement waives or limits any rights Client may have under applicable federal or state securities laws.

6. Termination. Either party may terminate this Agreement at any time, without penalty, by providing written notice to the other party. Termination shall be effective upon receipt of such notice.

7. Disclosure and Privacy. Client acknowledges receipt of Advisor’s Form ADV Part 2A and applicable Part 2B(s) and Advisor’s Privacy Notice. Client has the right to terminate this Agreement without penalty within five (5) business days of execution if required disclosures were not delivered prior to execution.

8. Assignment. This Agreement may not be assigned by either party without the consent of the other, except as permitted by applicable law.

9. Governing Law. This Agreement shall be governed by the laws of the State of California, consistent with applicable federal securities laws.

10. Entire Agreement. This Agreement and Schedule A constitute the entire understanding between the parties with respect to financial planning services and supersede all prior planning or consulting agreements.