Disclosures
& relationships.

Our planning role

Tomi Plan LLC provides subscription-based, non-securities financial planning support, financial education, organization, and coordination. TomiPlan is not registered as an investment adviser or broker-dealer. It does not provide securities recommendations, portfolio management, investment implementation, tax advice or return preparation, legal advice or document drafting, or insurance advice and product sales.

CFP® certification reflects a professional credential. It does not expand the scope of services offered by TomiPlan or authorize securities, tax, legal, or insurance services through TomiPlan.

Planner compensation and restrictions

TomiPlan CFP® professionals are prohibited from selling financial instruments or insurance, receiving product-related compensation, and accepting compensation or other benefits for implementation referrals. Their planning role does not depend on the client buying a financial product or selecting a particular implementation provider.

These restrictions address product and implementation incentives. They do not mean that every potential conflict of interest has been eliminated.

Your implementation team

You and your professional affiliate select the professionals who provide implementation services. TomiPlan coordinates with your professional affiliate and your selected, appropriately licensed professionals who provide securities, tax, legal, and insurance services. With your permission, we share planning information and agreed action items. You can choose unaffiliated professionals and are not required to move assets, open accounts, or use an affiliated provider.

Your selected professionals are responsible for advice and implementation within their respective areas. Their services may require separate agreements and fees.

Professional and institutional affiliate compensation

Eligible professional affiliates and institutional affiliates may receive a percentage of planning professional revenue for their contribution to the financial planning process. Responsibilities, applicable percentages, payment terms, and disclosures are established in a written agreement.

Receiving compensation can create an incentive to recommend or continue TomiPlan services. Applicable arrangements and relationships are disclosed so clients can evaluate that incentive. Affiliate compensation is distinct from the prohibition on TomiPlan planners receiving product or implementation referral compensation.

Eligibility depends on the actual services, the compensation arrangement, applicable law, professional standards, and firm policies. A non-securities planning role is not authorization to perform regulated securities activities. CPAs must assess independence and compensation restrictions, particularly for attest clients. Attorneys, registered firms, and insurance professionals must assess their own professional and licensing obligations.

For CPA professional standards, see the AICPA Code of Professional Conduct, including its commissions and referral fees rules. State rules and engagement-specific independence requirements may also apply.

Affiliated entities and separate services

TomiPlan has common ownership with MHL Investments, Aegis Wealth Group LLC (doing business as Everspire), and E6 Portfolios. These relationships create potential conflicts. Clients remain free to select other providers.

E6 supplies certain technology, portal, planning software, and aggregation functions under a separate arrangement. Optional Aegis analysis support, when engaged separately, is delivered to the client’s designated financial advisor or investment adviser representative for interpretation. That advisor remains responsible for formulating and delivering investment recommendations. These services do not turn TomiPlan into an investment adviser.

Pricing, technology, and planning assumptions

TomiPlan’s pricing approach is based on service costs plus a reasonable profit margin. Your scope, setup fee, ongoing subscription, and guarantee are provided in the written engagement materials. Separate professional and implementation services may have separate costs.

Planning tools and AI support organization, modeling, and analysis; they do not replace professional judgment. Outputs depend on assumptions and the accuracy of the information provided. Projections do not guarantee outcomes, returns, tax savings, or protection from loss.

Account aggregation depends on institution support and provider refresh timing and is not a promise of real-time information. Ongoing portal access depends on your subscription and provider terms. Technology-provider names describe tools used in the planning process and do not imply endorsement of TomiPlan.

Investipal risk-score tool

The embedded risk-tolerance questionnaire is provided by Investipal for financial education and discussion. TomiPlan does not develop the scoring methodology. A score reflects the answers supplied and the tool’s assumptions; different tools or different answers may produce different results, and results may change as circumstances change.

A score is not a complete assessment of your financial circumstances, a determination of suitability or best interest, a recommendation to buy, sell, or hold a security, or a prediction of investment returns or losses. Any illustrations or hypothetical results shown are not actual investment results or guarantees of future performance. All investing involves risk, including loss of principal.

Discuss the results with the appropriately licensed investment professional you select. That professional is responsible for evaluating your overall circumstances, goals, time horizon, liquidity needs, ability to bear loss, and other relevant factors before making recommendations. Using this tool does not establish a securities advisory or brokerage relationship with TomiPlan. TomiPlan coordinates the planning process with your professional affiliate and chosen licensed professionals; it does not provide securities, tax, legal, or insurance advice.

Investipal hosts the questionnaire and processes information entered into it. Account connections, where offered, use third-party services such as Plaid. Review the data recipients, permissions, and consent screens before submitting information or authorizing access. Do not assume that your responses or results have been delivered to a particular professional; confirm how they will be shared.

Use of the tool is subject to the provider’s terms and data practices. See Investipal’s Privacy Policy and Terms & Conditions. You may also review FINRA’s explanation of risk tolerance for additional educational context.

Your information and next steps

We coordinate information sharing with the professionals you authorize. You may update or revoke those authorizations in writing. Ask us for our current privacy policy, service agreement, guarantee, and any applicable affiliate disclosures before engaging TomiPlan.