Financial Coaching Agreement

THIS AGREEMENT between Worth Winning LLC ("Adviser" or "W W") and the Client, is in effect from the time Adviser receives and accepts a copy of this Agreement executed by the Client. By signing this Agreement, the Client acknowledges engaging the Adviser on the following terms and conditions.

1. APPOINTMENT AS INVESTMENT ADVISER: The Client hereby appoints Adviser as investment

2. SERVICES BY ADVISER: By execution of this Agreement, Adviser hereby accepts the appointment as investment adviser for the Relationship and agrees from and after the effective date, as referred to in the Fee Schedule attached hereto as Schedule A, to provide consultations addressing the specific issue or issues the Client requests as indicated in Schedule A. Adviser will provide the Client with a detailed financial analysis and recommendations, on a discretionary basis, to guide the Client toward the achievement of their objectives. Adviser will limit its analysis to the specific areas indicated below. The Client understands that information regarding specific issues not revealed to or analyzed by the Adviser may have a direct impact on the suitability or accuracy of specific recommendations given.

3.CONFIDENTIAL RELATIONSHIP: Information received by Adviser from Client will be kept confidential by Adviser in a manner consistent with applicable law and with the Adviser's Privacy Policy (incorporated into this agreement), which Client acknowledges receiving, and which will be sent to Client annually, as required by law. All information or advice furnished by Adviser to Client shall be treated as confidential and not be disclosed by Client except as required by law.

4. FEES: The compensation of Adviser for its services rendered hereunder shall be calculated in accordance with the Fee Schedule attached hereto as Schedule A. Any increase in fees will require the Client be given thirty (30) days' prior written notice and an amendment to this agreement which the Client will need to sign. There are no set-up or termination fees.

5. ELECTRONIC COMMUNICATIONS ACCEPTABLE: The Client consents to electronic delivery of required disclosure documents and other communications by the Adviser. Such consent will remain effective unless revoked by the Client, in writing. The Adviser will transmit information by email in text, PDF, Microsoft Word, or other formats that can be readily viewed, printed, and saved. The Client has provided the Adviser with one or more valid email addresses that the Adviser may use to communicate with the Client. The Client may revoke its consent to receive communications electronically at any time by notifying the Adviser.

I (We) consent to electronic delivery of required disclosure documents.

6. LIMITED LIABILITY:  The Adviser shall not be liable for any mistake in judgment or for any loss whatsoever except that which may result from a violation of fiduciary duty, applicable law or an act of bad faith or negligence by the Adviser concerning its duties under this Agreement. Furthermore, the Adviser, its officers, directors, employees, and agents shall not be responsible for any loss, claim, cost or liability incurred by reason of any independent act or omission by any broker, dealer, custodian or another third party.

7. NON-WAIVER OF RIGHTS BY CLIENT:  Federal and state securities laws impose certain obligations on persons acting in good faith, and as such, nothing in this Agreement shall result in any waiver of any or all of the rights which the Client shall otherwise enjoy under the federal and state securities laws.

8. RECEIPT OF FORM ADV, PART 2:  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.

9. TERMINATION/ASSIGNMENT: This Agreement shall remain in effect and full force until either the presentation of recommendations to the Client and payment is received of the final invoice, or the agreement is terminated by either party, with 30 calendar days' written notice. In the event of early termination by the Client, any fees for the hours already worked will be due and any completed work, such as completed sections of the financial plan and analysis, will be given to the Client. No assignment of the Agreement by Adviser shall be effective without the prior

10. GOVERNING LAW: This Agreement shall be governed by and construed in accordance with the laws of the State of Texas, except to the extent that the federal securities laws shall otherwise be controlling.

11. VENUE: In the event that any dispute shall arise by and between the parties, it is hereby agreed that any litigation, cause, suit, arbitration, mediation or any other proceeding shall take place in the State of Texas.

12. ARBITRATION: Any controversy or claim arising out of or relating to this agreement or the breach thereof shall be settled by arbitration, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The Client understands that this agreement to arbitrate does not constitute a waiver of the rightto seek a judicial forum where such waiver would be void under federal or state securities laws. Arbitration is final and binding on the parties.

13. MISCELLANEOUS: All paragraph headings in this Agreement are for convenience of reference only, do not form part of this Agreement, and shall not affect in any way the meaning or interpretation of this Agreement. If any provision herein is or should become inconsistent with any present or future law, rule or regulation of any governmental or regulatory body having jurisdiction over the subject matter of this Agreement, such provision shall be deemed to be rescinded or modified in accordance with any such law, rule or regulation. In all other respects, this Agreement shall continue and remain in full force and effect. No term or provision of this Agreement may be waived or modified unless in writing and signed by the party against whom such waiver or modification is sought to be enforced. This Agreement contains the entire understanding between Client and Adviser concerning the subject matter of this Agreement. To the extent that this Agreement is inconsistent with any other agreement governing the Client's Account, the provisions of this Agreement shall govern. Client agrees that this Agreement shall be binding upon Client's heirs, executors, administrators, and personal representatives. All notifications required to be sent shall be sent: if to Adviser, to the Adviser's address contained in this Agreement or such other address as may later be designated; if to Client, to Client's address as provided to Adviser at the time this Agreement is entered into, or such other address as may later be designated.

14. DURATION OF AGREEMENT: This Agreement will be effective upon execution by both the Client and Adviser, and shall remain in effect and full force until either the presentation of recommendations to you and payment is received of the final invoice, or the agreement is terminated by either party, pursuant to Item 10 of this agreement.

We recognize the importance of protecting our clients' privacy. We have policies to maintain the confidentiality and security of your nonpublic personal information. The following is designed to help you understand what information we collect from you and how we use that information to serve your account.

Categories of Information We May Collect

In the normal course of business, we may collect the following types of information: 

• Information you provide in the subscription documents and other forms (including name, address, social security number, date of birth, income, and other financial-related information); and
• Data about your transactions with us (such as the types of investments you have made and your account status).

How We Use Your Information That We Collect

Any and all nonpublic personal information that we receive with respect to our clients who are natural persons is not shared with nonaffiliated third parties which are not service providers to us without prior notice to, and consent of, such clients, unless otherwise required by law. In the normal course of business, we may disclose the kinds of nonpublic personal information listed above to nonaffiliated third-party service providers involved in servicing and administering products and services on our behalf. Our service providers include, but are not limited to, our administrator, our auditors and our legal advisor. Additionally, we may disclose such nonpublic personal information as required by law (such as to respond to a subpoena) or to satisfy a request from a regulator and/or to prevent fraud. Without limiting the foregoing, we may disclose personal information about you to governmental entities and others in connection with meeting our obligations nonpublic to prevent money laundering including, without limitation, the disclosure that may be required by the Uniting and Strengthening America Act by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT) Act of 2001 and the regulations promulgated thereunder. In addition, if we choose to dispose of our clients' nonpublic personal information that we are not legally bound to maintain, we will do so in a manner that reasonably protects such information from unauthorized access. The same privacy policy also applies to former clients who are natural persons.

Confidentiality and Security

We restrict access to nonpublic personal information about our clients to those employees and agents who need to know that information to provide products and services to our clients. We maintain physical, electronic and procedural safeguards to protect our clients' nonpublic personal information. We respect and value that you have entrusted us with your private financial information, and we will work diligently to maintain that trust. We are committed to preserving that trust by respecting your privacy as provided herein.

Please note, unless a client has received the Firm’s disclosure brochure at least 48 hours prior to signing the investment advisory contract, the investment advisory contract may be terminated by the client within five (5) business days of signing the contract without incurring any advisory fees. How we are paid depends on the type of advisory service we are performing. Please review the fee and compensation information below.

Fixed Fee Project Based Financial Planning

Financial Planning will generally be offered on a fixed fee basis. The fixed fee will be agreed upon before the start of any work. The fixed fee can range between $500 and $5000. The fee is negotiable at the firm's discretion. If a fixed fee program is chosen, half of the fee is due at the beginning of the process and the remainder is due upon completion of work, however, WW will not bill an amount above $500.00 more than 6 months in advance. Fees for this service may be paid by electronic funds transfer, credit, or debit. In the event of early termination any prepaid but unearned fees will be refunded to the Client and any completed deliverables of the project will be provided to the Client and no further fees will be charged.

Hourly Financial Planning

Financial Planning fee will also be offered at an hourly rate between $100.00 and $500.00 per hour, depending on complexity and client’s needs. Fees are paid half upon initiation of services and half upon completion. The fee may be negotiable in certain cases. In the event of early termination by the client, any fees for the hours worked will be due.
 

Financial Planning

Specific areas covered are outlined above in SERVICES BY ADVISER.  Clients may terminate their contracts without penalty within five business days of signing the advisory contract. 

Description:

One Time Meeting

The fee is based on the standard hourly fee of $480. Fees are paid in full prior to the meeting. In the event of early termination by the client, any fees for the hours worked will be due.

Two Meeting Project: 

The fee is 1% of annual income based on line 9 of your most recent tax return ($1980 minimum). Fees are paid upon initiation of services. In the event of early termination by the client, any fees for the hours worked will be due.

Four Meeting Plan: 

The fee is a one-time fee based on 2% of the client’s total income on line 9 of the IRS form 1040 but no less than $3,000 and no more than $10,000. This may be negotiable in certain cases. In the event of early termination by the client, any fees for the hours worked will be due.

Financial Checkup:

You can choose from either a 60 or 90-minute session where we will work in real-time to address your specific questions. We provide these checkups at an hourly rate of $250/hour.  

Principles we live by 

Do what’s right, always.

We act in a fiduciary role. That means we are here to do what’s in your best interest. 

Transparency is key.

Creating and maintaining wealth requires long-term thinking and often, behavioral or lifestyle changes. This means being honest with you even when you will not like what is being said. It’s all love though. 

No hidden fees, no commissions.

Our fee is as discussed. We receive no additional compensation other than from you. So, no kickbacks or commissions or any other outside compensation. 

Education is important.

We believe that understanding why you’re doing something helps you execute, for that reason we educate as much as we plan. We took the time to develop our financial expertise all so you can focus on what you do best. However, we don’t believe in enabling or keeping our clients in the dark. We want you to feel comfortable discussing your strategy with friends. 

Save, grow, save, grow.

Our investment philosophy is based on creating portfolios that are reflective of the overall markets. We are also dedicated to keeping internal fund expenses and transaction fees as low as possible. We do not try to time the market. 

Communication is critical.

We will do our best to respond to every request in a timely manner. The practice of planning is a conversation and is always evolving. We want to know when we’re doing well and when there are areas that could use improvement. We’re here to serve. 

Time is valuable and priceless.

Life happens. We will all go through crazy times with busy schedules, deadlines, unexpected events, and a set meeting will no longer be the priority. However, leaving us high and dry repeatedly makes for a hard to manage schedule on our end, leaving less time for you, our client. 

Collaboration

In order for us to best serve you, collaboration with your other financial professionals is key. We appreciate being kept in the loop as you work with other members of your financial entourage. We share information only as needed with attorneys, accountants, and other professionals with your permission. 

Worth Winning LLC

9903 Witham St

Dallas, TX 75220