1. KFMC Client Relationship Experience Introduction (Call) Step 1: Involves SD Goal: Qualification & set next appt. Exploration Step 2: Involves LK Goal: Determine client’s goals & priorities; introduce them to the KFMC Process. Step 3: Involves LK Goal: Establish formal relationship; begin vision/obstacle work. Step 4: Involves LK, Staff Goal: Deliver initial financial life plan & investment strategy; begin implementation Step 5: Involves LK & Staff Goal: Ongoing contact to assist clients in achieving their financial life plan. Vision/ Obstacles Two 2 hr. meetings Month 1 Knowledge/ Execution Month 2 - 3 Maintenance 2-3 meetings/CC per year CC/meetings as needed Ongoing

2. Step 1 - Introduction Who involved: SD Process: ½ cc to determine potential client’s needs & briefly introduce the KFMC client relationship Goal: Qualification Client Follow-Up: None KFMC Work: 1) Send email reply to inbound emails to schedule call 2) Have conference call 3) Set appointment or refer elsewhere 4) Send out package info with intro letters 5) Enter data into Relationship Manager

3. Step 2- Exploration Who Involved: LK Process: 1hr. meeting at KFMC (all parties must attend) Goal: To determine the client’s priorities; to discuss the goals for the relationship with KFMC; to further review/discuss the KFMC Financial Life Planning process. Client Brings To Meeting: 3 Kinder Questions, financial planning data KFMC Brings To Meeting: KFMC Client Experience Diagram and Finametrica, Kinder grids Client Follow-Up: Finametrica (do online), Kinder grids and any outstanding financial planning data KFMC Follow-Up: Send out initial assessment and Letter of engagement with agreements and initial fee invoice, Privacy Notice, Form ADV Part II.

4. Step 3- Vision & Obstacles – Mtg. 1 Who Involved: LK Process: 2 hr. meeting (meetings 1 and 2 are within a 4-6 week period-all parties must attend) Goal: “Light the torch” and begin to gather information to build the life plan. 1) Formally establish the relationship via signing the appropriate agreements and receipt of 1 st quarterly fee. 2) Begin the visionary work with the client. Client Brings To Meeting : Kinder grids, Finametrica KFMC Brings To Meeting: Review of 3 Kinder Questions, Kinder grids, initial assessment, 7 Stages book. Client Follow- Up : Finish Kinder grids, missing financial planning data, list of potential obstacles and solutions KFMC Follow- Up: FP data input, send welcome letter with copies of signed documents, relationship manager input/changes

5. Step 3- Vision & Obstacles – Mtg. 2 Who Involved: LK Process: 2 hr. meeting (meetings 1 and 2 within a 4-6 week period (all parties must attend) Goal: “Light the torch” and begin to build the life plan. Explore the potential obstacles and solutions Client Brings To Meeting: Finametrica (online preferred), Kinder grids, list of potential obstacles and solutions KFMC Brings To Meeting: Review of 3 Kinder Questions, financial planning data, Finametrica results, list of potential obstacles & solutions Client Follow-Up: None KFMC Follow-Up: FP data input, list of potential obstacles & solutions, Initial financial life plan with proposed investment strategy, relationship manager input/changes

6. Step 4- Knowledge & Execution Who Involved: LK, staff as needed. Process: One or two 2 hour meetings within 3 months of Exploration Meeting. Goal: To deliver the initial financial life plan and proposed investment strategy and begin implementation. Client Brings To Meeting: None KFMC Brings To Meeting: Financial life plan, proposed investment strategy, all necessary investment paperwork (new account, transfer, IM agreement) Client Follow-Up : Begin implementation of financial life plan, assistance with eMoney setup. KFMC Follow-Up: Begin implementation of financial life plan, referrals to other advisors as needed, implementation of investment strategy if KFMC will be handling the investment management (i.e. account transfers); eMoney set up/aggregation/classification.

7. Step 5- Maintenance Who Involved: LK & Staff Process: Two-three meetings or conference calls per year and interim meetings/calls as needed Goal: On-going, proactive contact with the clients to stay on top of their financial life planning Client Brings To Meeting: Updates, questions, complete any outstanding action items KFMC Brings To Meeting: Meetings: Formal agenda of overall items to discuss, performance reports (if KFMC is handling investment management) Conf. Calls: Review of outstanding action items, performance reports (if KFMC is handling investment management) Client Follow-Up: Complete outstanding action items KFMC Follow-Up: Complete outstanding action items (service, review, coordination, management)