FINANCIAL PLANNING SOLUTIONS, LLC

D I S C L O S U R E B R O C H U R E Financial Planning Solutions, LLC Office Address: 134 Rumford Ave Suite 203 Auburndale, MA 02466 Tel: 617-630-4978 Lyman@planwithFPS.com Rick@PlanwithFPS.com www.planwithfps.com MARCH 19, 2025 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Financial Planning Solutions, LLC (“FPS” or the “Advisor”). The information in this Disclosure Brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information through FPS to assist you in determining whether to retain the Advisor. If you have any questions about the contents of this brochure, please contact us at 617-630-4978. Additional information about Financial Planning Solutions, LLC (CRD #168211) is available on the SEC’s website at www.adviserinfo.sec.gov. i Financial Planning Solutions, LLC  Item 2: Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement[s]"). This combined Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about Advisory Persons of FPS. For convenience, the Advisor has combined these documents into a single disclosure document. FPS believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. FPS encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with us. Annual Update The Material Changes section of this Disclosure Brochure and the attached Brochure Supplements will be updated annually or when material changes occur since the previous release of these documents. Material Changes since the Last Update The following material changes have been made to this Disclosure Brochure since the annual amendment filing on March 15, 2024. • The Advisor has updated the city information for the primary office location as a result of an update with the United States Postal Service. • The Advisor has amended Item 15 to reflect it no longer maintains constructive custody as a result of third-party Standing Letters Of Authorization. Brochure Available This Disclosure Brochure and the applicable Brochure Supplements serve as the complete brochure for the Advisor and its Advisory Persons and is available at any time. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs in the business practices of FPS. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 168211. ii Financial Planning Solutions, LLC  Item 3: Table of Contents Form ADV – Part 2A – Firm Brochure Item 1: Cover Page Item 2: Material Changes .................................................................................................................... ii Annual Update ..................................................................................................................................................................... ii Material Changes since the Last Update .................................................................................................................. ii Brochure Available ............................................................................................................................................................ ii Future Changes ................................................................................................................................................................... ii Item 3: Table of Contents ................................................................................................................. iii Item 4: Advisory Business .................................................................................................................. 1 Firm Description ................................................................................................................................................................ 1 Types of Advisory Services ............................................................................................................................................ 1 Client Tailored Services and Client Imposed Restrictions ............................................................................... 4 Wrap Fee Programs .......................................................................................................................................................... 4 Client Assets under Management ............................................................................................................................... 4 Item 5: Fees and Compensation ....................................................................................................... 4 Method of Compensation and Fee Schedule .......................................................................................................... 4 Client Payment of Fees .................................................................................................................................................... 7 Additional Client Fees Charged .................................................................................................................................... 7 Prepayment of Client Fees ............................................................................................................................................. 7 External Compensation for the Sale of Securities to Clients ........................................................................... 7 Item 6: Performance-Based Fees and Side-by-Side Management ........................................ 8 Sharing of Capital Gains .................................................................................................................................................. 8 Item 7: Types of Clients ....................................................................................................................... 8 Description ........................................................................................................................................................................... 8 Account Minimums ........................................................................................................................................................... 8 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ................................ 8 Methods of Analysis .......................................................................................................................................................... 8 Investment Strategy ......................................................................................................................................................... 9 Security Specific Material Risks ................................................................................................................................... 9 iii Financial Planning Solutions, LLC  Item 9: Disciplinary Information .................................................................................................. 10 Item 10: Other Financial Industry Activities and Affiliations ............................................. 11 Broker-Dealer or Representative Registration .................................................................................................. 11 Futures or Commodity Registration ....................................................................................................................... 11 Material Relationships Maintained by this Advisory Business and Conflicts of Interest ................ 11 Recommendations or Selections of Other Investment Advisors and Conflicts of Interest ............. 11 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .................................................................................................................................................. 11 Code of Ethics Description .......................................................................................................................................... 11 Investment Recommendations Involving a Material Financial Interest and Conflict of Interest 12 Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest 12 Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Transactions and Conflicts of Interest ................................................................................................................... 12 Item 12: Brokerage Practices ........................................................................................................ 12 Factors Used to Select Broker-Dealers for Client Transactions ................................................................. 12 Aggregating Securities Transactions for Client Accounts ............................................................................. 13 Item 13: Review of Accounts .......................................................................................................... 13 Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved .............................................................................................................................................................................. 13 Review of Client Accounts on Non-Periodic Basis ............................................................................................ 14 Content of Client Provided Reports and Frequency ........................................................................................ 14 Item 14: Client Referrals and Other Compensation ............................................................... 14 Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest ................................................................................................................................................................................ 14 Client Referrals and other Compensation ............................................................................................................ 15 Item 15: Custody ................................................................................................................................ 15 Account Statements ....................................................................................................................................................... 15 Item 16: Investment Discretion .................................................................................................... 15 Discretionary Authority for Trading ...................................................................................................................... 15 Item 17: Voting Client Securities .................................................................................................. 15 Proxy Votes ........................................................................................................................................................................ 15 Item 18: Financial Information ..................................................................................................... 16 Balance Sheet .................................................................................................................................................................... 16 iv Financial Planning Solutions, LLC  Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients ............................................................................................................................................................................. 16 Bankruptcy Petitions during the Past Ten Years .............................................................................................. 16 Brochure Supplements .................................................................................................................... 17 Privacy Policy ...................................................................................................................................... 33 v Financial Planning Solutions, LLC  Item 4: Advisory Business Firm Description Financial Planning Solutions, LLC (“FPS” or the “Advisor”) was founded in June 2013 as a Massachusetts limited liability company (“LLC”). Lyman H. Jackson (“Managing Partner and Co-Founder”) and Richard H. Fingerman (“Managing Partner and Co-Founder”) each own 50% of the Advisor. FPS provides personalized financial planning and investment management primarily to individuals, high net worth individuals and pension and profit sharing plans (each a “Client”). Advice is provided through consultation with the Client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and legacy planning. FPS is a fee-only financial planning and investment management firm. FPS serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. The Advisor’s fiduciary commitment is further described in the Code of Ethics. For more information regarding our Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. FPS will provide investment management and portfolio management services and at no time will FPS accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within their designated account[s], pursuant to the Wealth Management Agreement. For additional information, please see Item 12 – Brokerage Practices. An evaluation of each Client's initial situation is provided to the Client, often in the form of a net worth statement, risk analysis or similar document. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the Client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, tax preparers, insurance agents, etc.) are engaged directly by the Client on an as-needed basis and may charge fees of their own. Conflicts of interest will be disclosed to the Client in the unlikely event they should occur. Types of Advisory Services FPS provides investment supervisory services, also known as Wealth Management Services and furnishes financial planning and investment advice through consultations. WEALTH MANAGEMENT SERVICES FPS primarily delivers its wealth management services on a discretionary basis, but may, at times, engage for non-discretionary services. FPS will offer Clients ongoing investment management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset 1 Financial Planning Solutions, LLC  allocation, portfolio monitoring and the overall investment program will be based on the above factors. When the Client provides FPS with discretionary authority, the Client will provide such authority through the Wealth Management Agreement and limited trading authorization[s] at the Client’s designated custodian. FPS will have the authority to implement transactions in the Client’s account[s] without seeking Client approval on each transaction. When the Client elects to use FPS on a non-discretionary basis, FPS will determine the securities to be bought or sold and the amount of the securities to be bought or sold. However, FPS will obtain prior Client approval on each and every transaction before executing any transactions. Participant Account Management: As part of the Advisor’s Wealth Management Services, when appropriate, the Advisor will use a third-party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform (we pay them so Clients can use the platform). A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, Advisor will review the current account allocations. When deemed necessary, Advisor will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. FINANCIAL PLANNING AND CONSULTING SERVICES If financial planning services are applicable, the Client will compensate FPS on a negotiable hourly fee basis or fixed fee basis described in detail under “Fees and Compensation” section of this Disclosure Brochure. Services include, but are not limited to, a thorough review of all applicable topics including cash flow and budgeting, retirement, wills, estate plan/trusts, investments, taxes, insurance and, college and divorce planning, as applicable. If a conflict of interest exists between the interests of the Advisor and the interests of the Client, the Client is under no obligation to act upon the Advisor’s recommendation[s]. If the Client elects to act on any recommendation[s], the Client is under no obligation to implement the transaction through FPS. Financial plans will generally be completed and delivered inside of ninety (90) days. COLLEGE FINANCIAL PLANNING SERVICES Based on Client goals and needs, Advisor shall provide Client with college financial planning and advice services (herein “College Financial Planning Services”) related to Client’s college planning. College Financial Planning services may include analysis and recommendations for the following: 2 Financial Planning Solutions, LLC  • College Pre-Approval - Identification of colleges/universities that match student profile and budget (up to 10 colleges can be selected for evaluation) • Assess student academics, e.g., grades, SAT/ACT scores, special student activities • Determine Cost of Attendance (COA), Expected Family Contribution (EFC), and Need • Evaluate Need-based vs. Merit-based aid eligibility • Assistance in completing the first year FAFSA and CSS Profile • Estimate expected aid from selected colleges/universities that match student profile • Identification of scholarship opportunities • A plan to pay for selected colleges/universities College financial planning services include: • Initial and final presentation meetings • Written assessment and recommendations for up to 10 prospective colleges • Email communications for up to 12 months after the date of this agreement College financial planning does not include comprehensive financial planning, investment management or supervision services. These services can be provided under a separate agreement. College financial planning only pertains to college planning. RETIREMENT PLAN ADVISORY SERVICES FPS provides retirement plan advisory and related consulting services (herein “Plan Services”) to the sponsors of qualified retirement plans (herein a “Plan Sponsor” or the “Plan”). FPS will customize its advice to the needs of each Plan or Plan Sponsor, as appropriate. FPS provides the following retirement plan advisory services. Plan Fiduciary Services - FPS serves as a 3(21) Fiduciary in support of the Plan Sponsor. FPS provides the following Plan Fiduciary Services pursuant to the terms of the Advisor’s agreement with each Plan Sponsor: • Vendor Analysis • Plan Participant Enrollment and Education Tracking • Investment Policy Statement • Investment Monitoring • Performance Reporting • Ongoing Investment Recommendation and Assistance • ERISA 404(c) Assistance Communication and Education - FPS provides communication and education to the Plan and its Participants, pursuant to the terms of the Advisor’s agreement with each Plan Sponsor: • Direct employee contact by phone, e-mail or letter upon eligibility to promote enrollment • Investment education • Regular on-site advisor visits with staff for account updates and reviews • Periodic company-wide employee survey of retirement plan understanding • Customer satisfaction surveys • Periodic employee group education opportunities 3 Financial Planning Solutions, LLC  Discretionary Investment Advisory Services – FPS may also serve as a discretionary investment manager to the Plan pursuant to ERISA Rule 3(38). Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each Client are documented in Client files. Investment strategies are created that reflect the stated goals and objective. Clients may impose reasonable restrictions on investing in certain securities or types of securities. Agreements may not be assigned without written Client consent. Wrap Fee Programs FPS does not sponsor any wrap fee programs. Client Assets under Management As of December 31, 2024, FPS has $279,534,361 in discretionary assets under management and $32,875,643 in non-discretionary assets under management for a total of $312,410,004 in assets under management. Clients may request more current information at any time by contacting the Advisor. Item 5: Fees and Compensation Method of Compensation and Fee Schedule FPS bases its fees on a percentage of assets under management, hourly charges, and fixed fees. WEALTH MANAGEMENT SERVICES – ASSET-BASED FEES FPS offers discretionary and non-discretionary direct Wealth Management Services to advisory Clients. Wealth Management fees are paid quarterly in advance for each calendar quarter, pursuant to the terms of the agreement. FPS charges an annual Wealth Management fee based on the total assets under management based on the following schedules, continued on the next page. 4 Financial Planning Solutions, LLC  Assets Under Management* $0-249,999* $250,000 - 499,999* $500,000 - 749,999* $750,000 - 1,249,999 $1,250,000 - 1,999,999 $2,000,000 - 4,999,999 $5,000,000 - 9,999,999 $10 million + Wealth Management Services (Financial Planning and Investment Management) Non-Tiered Schedule Maximum Annual Fee - % 1.40% 1.40% 1.30% 1.20% 1.10% 1.00% 0.90% 0.70% Maximum Quarterly Fee - % 0.350% 0.350% 0.325% 0.300% 0.275% 0.250% 0.225% 0.175% *Minimum relationship size is $750,000; however, FPS reserves the right to accept accounts with fewer assets. The maximum annual fee may be negotiable at the sole discretion of the Advisor. Accounts within the same household may be combined for a reduced fee. Clients may be grandfathered under a different fee schedule than the one disclosed above. Wealth Management Fees are billed quarterly, in advance of each calendar quarter, based on the market value of assets under management as of the last business day of the previous quarter. Initial fees for partial quarters are pro-rated. Wealth Management fees will be calculated by the Advisor and deducted from the Client’s account[s] at the Custodian or, if requested, billed directly to the Client. The amount due is calculated by multiplying the quarterly rate (annual rate divided by 4) by the total assets under management with FPS at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the Wealth Management fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement, as the Custodian does not assume this responsibility. Clients provide written authorization permitting Wealth Management fees to be deducted by FPS directly from their accounts held by the Custodian as part of the Wealth Management Agreement and separate account forms provided by the Custodian. Lower fees for comparable services may be available from other sources. Clients may terminate their account within five (5) business days of signing the Wealth Management Agreement for a full refund. Either party may terminate services with thirty (30) days written notice. After the five-day period, the Client will incur charges for bona fide services rendered to the point of termination and such fees will be due and payable by the Client. For accounts closed during a quarter, the Client will be entitled to a pro-rata refund for the days service was not provided in the quarter. Client shall be given thirty (30) days prior written notice of any increase in fees, and Client will acknowledge, in writing, any agreement of increase in said fees except for fixed rate fee arrangements which are subject to an annual increase based on the Consumer Price Index. WEALTH MANAGEMENT SERVICES – FIXED FEE The Advisor also offers Wealth Management Services for a fixed rate of $5,000 to $15,000 per year. Fees are paid either monthly or quarterly in advance of each month or calendar quarter, pursuant to the terms of the agreement. Fixed Fees are paid in advance either 5 Financial Planning Solutions, LLC  monthly or quarterly, pursuant to the terms of the Agreement. Fixed Fees range from $416.66 to $1,250 per month or $1,250 to $3,750 per quarter. However, the Advisor may charge more or less than these fees depending on individual client circumstances. Fixed Fees increase annually based on the annualized Consumer Price Index-Urban as published by the U.S. Bureau of Labor Statics. Clients will pay the Fixed Fee either via deduction from Client account at the Custodian or via electronic funds transfer (EFT) directly from the Client’s bank or credit/debit card account. Fixed Fees are collected from the Client via an independent, third-party billing service, currently known as AdvicePay. FINANCIAL PLANNING AND CONSULTING SERVICES FPS charges either a project-based fixed fee ranging from $2,000 - $7,000 or an annual fee up to $15,000 for ongoing financial planning and consulting services. At the discretion of the Advisor, Clients may be offered hourly financial planning services at up to $500 per hour for Managing Partners and Wealth Advisors, and up to $250 per hour for Financial Planners. Prior to engaging for Financial Planning Services, the Client will be provided with an estimate of total costs. The services include, but are not limited to, a thorough review of all applicable topics including cash flow and budgeting, retirement, wills, estate plan/trusts, investments, taxes, insurance and college planning as applicable. Client will pay half of the estimated fee at the signing of the Financial Planning Agreement with the balance due upon delivery of the completed plan. Project-based services are typically completed and delivered inside of ninety (90) days. The Client may cancel within five (5) business days of signing the Agreement for a full refund. If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned fees will be due to FPS. COLLEGE FINANCIAL PLANNING SERVICES FPS charges a project-based fixed fee ranging from $750 - $2,000 for College Financial Planning Services. At the discretion of the Advisor, Clients may be offered hourly planning services at up to $250 per hour. Prior to engaging for these services, the Client will be provided with an estimate of total costs. The services are listed on page 2 of this document. Client will pay half of the estimated fee at the signing of the Agreement with the balance due upon delivery of the completed plan. Project-based services are typically completed and delivered inside of ninety (90) days. The Client may cancel within five (5) business days of signing the Agreement for a full refund. If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned fees will be due to FPS. RETIREMENT PLAN ADVISORY SERVICES Fees for retirement plan advisory services may be based on a percentage of Plan assets or on a fixed annual fee, which shall be payable in advance. Fees may be negotiable at the sole discretion of the Advisor. The fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Plan investments will be independently valued by the Plan’s 6 Financial Planning Solutions, LLC  administrator or custodian. FPS will conduct periodic reviews of the Custodian’s valuations. Client Payment of Fees Wealth Management fees are billed either monthly or quarterly in advance, meaning Client will be billed at the beginning of the month or three-month period. Unless otherwise agreed, fees are deducted from the Client account[s] at the Custodian to facilitate billing. The Client must consent in advance to direct debiting of their investment account[s]. Fees for financial plans are billed fifty percent (50%) in advance with the balance due upon plan delivery or the completion of engagement deliverables, as applicable. Additional Client Fees Charged The Advisor's recommended Custodian does not charge securities transaction fees for exchange-traded funds (ETFs) and equity trades in Client accounts, but typically charges for mutual funds and other types of investments. The Client is responsible for all securities execution and custody fees charged by the Custodian, if applicable. These charges may include mutual fund transactions fees, postage and handling and miscellaneous fees (fee levied to recover costs associated with fees assessed by self- regulatory organizations). These transaction charges are usually small and incidental to the purchase or sale of a security. The selection of the security is more important than the nominal fee that the custodian charges to buy or sell the security. FPS does not earn any portion of these fees. FPS, in its sole discretion, may charge a lesser Wealth Management fee based upon certain criteria (e.g., historical relationship, type of assets, anticipated future earning capacity, anticipated future additional assets, dollar amounts of assets to be managed, related accounts, account composition, negotiations with Clients, etc.). For more details on the brokerage practices, see Item 12 of this Disclosure Brochure. Prepayment of Client Fees Wealth Management fees are billed either monthly or quarterly in advance for each month or calendar quarter. Project-based Financial Planning fees will be billed half of the estimated fee at the signing of the agreement with the balance due upon delivery of the completed plan. Ongoing Financial Planning and Consulting Service fees are billed either monthly or quarterly in advance of each month or calendar quarter. Fees for retirement plan advisory services may be billed in advance or arrears, depending on the terms of the retirement plan advisory agreement. If the Client cancels after five (5) business days, any unearned fees will be refunded to the Client, or any unpaid earned fees will be due to FPS. External Compensation for the Sale of Securities to Clients FPS does not receive any external compensation for the sale of securities to Clients, nor do any of the investment advisor representatives of FPS. 7 Financial Planning Solutions, LLC  Item 6: Performance-Based Fees and Side-by-Side Management Description FPS does not charge performance-based fees for its investment advisory services. The fees charged by FPS are as described in Item 5 above. FPS does not manage any proprietary funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7: Types of Clients Description FPS generally provides investment advice primarily to individuals, high net worth individuals and pension and profit sharing plans. Client relationships vary in scope and length of service. The amount of each type of Client is available on the Advisor's Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. Account Minimums FPS requires a minimum Client relationship size of $750,000 to establish services with FPS. At its sole discretion, FPS reserves the right to reduce this minimum requirement. Project-based Financial Planning Services do not require a minimum account size. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Security analysis methods may include fundamental analysis, technical analysis, and cyclical analysis. Investing in securities involves risk of loss that Clients should be prepared to bear. Past performance is not a guarantee of future returns. Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria consists generally of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends, which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in 8 Financial Planning Solutions, LLC  the future. Even if the trend will eventually reoccur, there is no guarantee that FPS will be able to accurately predict such a reoccurrence. Cyclical analysis is similar to technical analysis in that it involves the analysis of market conditions at a macro (entire market/economy) or micro (company specific) level, rather than the overall fundamental analysis of the health of the particular company that FPS is recommending. The risks with cyclical analysis are similar to those of technical analysis. When creating a financial plan, FPS utilizes fundamental analysis to provide review of insurance policies for economic value and income replacement. Fundamental and technical analysis methods are used to review mutual funds and individual stocks. The main sources of information include fi360, Morningstar, Client documents such as tax returns and insurance policies. In developing a financial plan for a Client, FPS’s analysis may include cash flow analysis, investment planning, retirement planning, risk management, tax planning and estate planning. Based on the information gathered, a detailed strategy is tailored to the Client’s specific situation. The main sources of information include fi360, Morningstar, financial publications, company and government websites, annual reports, prospectuses, and filings with the Securities and Exchange Commission. Investment Strategy The investment strategy for a specific Client is based upon the objectives stated by the Client during consultations. The Client may change these objectives at any time. Each Client executes an Investment Policy Statement or Risk Tolerance Questionnaire that documents their objectives and their desired investment strategy. Other strategies may include long-term purchases, short-term purchases, and trading. Security Specific Material Risks All investment programs have certain risks that are borne by the investor. Fundamental analysis may involve interest rate risk, market risk, business risk, and financial risk. Risks involved in technical analysis are inflation risk, reinvestment risk, and market risk. Cyclical analysis involves inflation risk, market risk, and currency risk. Our investment approach constantly keeps the risk of loss in mind. Investors face the following investment risks and should discuss these risks with FPS: • Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. • Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a security’s particular underlying circumstances. For example, political, economic and social conditions may trigger market events. • Inflation Risk: When any type of inflation is present, a dollar today will buy more than a dollar next year, because purchasing power is eroding at the rate of inflation. 9 Financial Planning Solutions, LLC  • Currency Risk: Overseas investments are subject to fluctuations in the value of the US dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. • Reinvestment Risk: This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. • Business Risk: These risks are associated with a particular industry or a particular company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. • Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. • Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of loss, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. • • Alternative Investment Risk: The performance of alternative investments (including limited partnerships) can be volatile and may have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry higher risks. Clients should only have a portion of their assets in these investments. Interval Mutual Funds / Liquidity Risk: Clients invested in an interval mutual funds should be aware of the illiquidity of holding such a mutual fund. Liquidity for fund shares is generally provided through a repurchase offer with a frequency disclosed in the fund’s prospectus. An example of such repurchase offer might be 5% of the fund’s shares on a quarterly basis. This agreement does not guarantee that a Client will be able to sell all the shares that the Client desires to sell in the offer. There is currently no secondary market for the shares of these funds. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9: Disciplinary Information There are no legal, regulatory or disciplinary events involving FPS or any of its associated persons (hereinafter “Supervised Persons”). FPS and its Supervised Persons value the 10 Financial Planning Solutions, LLC  trust you place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and Supervised Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 168211. Clients may also contact the Massachusetts Securities Division at (617) 727-3548 to request background information on any advisor or advisory person. Item 10: Other Financial Industry Activities and Affiliations Broker-Dealer or Representative Registration Neither the Advisor nor its Advisory Persons will sell any securities for a commission. In order to sell securities for a commission, FPS would need to have its Advisory Persons registered with a broker-dealer. FPS has chosen not to do so. No Advisory Person of FPS is also registered representative of a broker-dealer. Futures or Commodity Registration Neither FPS nor its Advisory Persons are registered or has an application pending to register as a futures commission merchant, commodity pool operator, or a commodity- trading advisor. Material Relationships Maintained by this Advisory Business and Conflicts of Interest The Advisor is a “fee-only” advisory firm. The Advisor does not have any conflicts to disclose. Recommendations or Selections of Other Investment Advisors and Conflicts of Interest FPS does not utilize the services of Third Party Money Managers to manage Client accounts. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Description The Supervised Persons of FPS have committed to a Code of Ethics (“Code”). The purpose of the Advisors Code is to set forth standards of conduct expected of FPS Supervised Persons and addresses conflicts that may arise. The Code defines acceptable behavior for Supervised Persons of FPS. The Code reflects FPS and each Supervised Person’s responsibility to act in the best interest of the Client. One area the Code addresses is when Supervised Persons buy or sell securities for their personal accounts and how to mitigate any conflict of interest with Clients. FPS does not allow any Supervised Person to use non-public material information for their personal profit or to use internal research for their personal benefit in conflict with the benefit to our Clients. FPS’s policy prohibits any Supervised Person from acting upon or otherwise misusing non-public or inside information. No Advisory Person or other Supervised Person including officers or directors of FPS may recommend any transaction in a security or its 11 Financial Planning Solutions, LLC  derivative to Clients or engage in personal securities transactions for a security or its derivatives if Supervised Person possesses material, non-public information regarding the security. FPS’s Code is based on the guiding principle that the interests of the Client are the Advisor’s top priority. FPS’s officers, directors, advisors, and other Supervised Persons have a fiduciary duty to Clients and must diligently perform that duty to maintain the complete trust and confidence of Clients. When a conflict arises, it is the Advisor’s obligation to put the Client’s interests over the interests of either Supervised Persons or the Advisor. The Advisor will provide a copy of the Code of Ethics to any Client or prospective client upon request. Investment Recommendations Involving a Material Financial Interest and Conflict of Interest FPS and its Supervised Persons do not recommend to Clients securities in which they have a material financial interest. Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest FPS and its Supervised Persons may buy or sell securities that are also held by Clients. In order to mitigate conflicts of interest such as trading ahead of Client transactions, Supervised Persons are required to disclose all reportable securities transactions as well as provide FPS with copies of their brokerage statements. The Chief Compliance Officer (“CCO”) of FPS is Lyman H. Jackson. He reviews trading activity for all Supervised Persons each quarter. The personal trading reviews ensure that the personal trading of Supervised Persons does not affect the markets and that the trades of Supervised Persons do not impact or disadvantage any Client. Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Transactions and Conflicts of Interest FPS does not maintain a firm proprietary trading account and does not have a material financial interest in any securities being recommended and therefore no conflicts of interest exist. However, Supervised Persons may buy or sell securities at the same time they buy or sell securities for Clients. In order to mitigate conflicts of interest such as front running, Supervised Persons are required to disclose all reportable securities transactions as well as provide FPS with copies of their brokerage statements. As noted above, the CCO reviews all Supervised Persons trades each quarter. The personal trading reviews ensure that the personal trading of Supervised Persons does not affect the markets and that the trades of Supervised Persons do not impact or disadvantage any Client. Item 12: Brokerage Practices Factors Used to Select Broker-Dealers for Client Transactions FPS will generally recommend that Clients establish their account[s] at Charles Schwab & Co., Inc. (“Schwab”), a FINRA-registered broker-dealer and member SIPC. Schwab will serve as the Client’s “qualified custodian”. FPS maintains an institutional relationship with 12 Financial Planning Solutions, LLC  Schwab, whereby the Advisor receives economic benefits from Schwab (Please see Item 14 below.) • Directed Brokerage In circumstances where a Client directs FPS to use a certain broker-dealer, FPS still has a fiduciary duty to its Clients. The following may apply with Directed Brokerage: FPS’s inability to negotiate commissions, to obtain volume discounts, there may be a disparity in commission charges among Clients and conflicts of interest arising from brokerage firm referrals. • Best Execution Investment advisors who manage or supervise Client portfolios on a discretionary basis have a fiduciary obligation of best execution. The determination of what may constitute best execution and price in the execution of a securities transaction by a broker involves a number of considerations and is subjective. Factors affecting brokerage selection include the overall direct net economic result to the portfolios, the efficiency with which the transaction is effected, the ability to effect the transaction where a large block is involved, the operational facilities of the broker- dealer, the value of an ongoing relationship with such broker and the financial strength and stability of the broker. The firm does not receive any portion of the trading fees. • Soft Dollar Arrangements Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with the broker- dealer/custodian in exchange for research and other services. FPS does not participate in soft dollar programs sponsored or offered by any broker- dealer/custodian. However, FPS does receive certain benefits due to its relationship with Schwab. These benefits include: A dedicated trading desk, a dedicated service group and an account services manager dedicated to FPS’s accounts, ability to conduct “block” Client trades, electronic download of trades, balances and positions, duplicate and batched Client statements, and the ability to have advisory fees directly deducted from Client accounts. A conflict of interest exists when FPS receives soft dollars. This conflict is mitigated by the fact that FPS and its investment adviser representatives have a fiduciary responsibility to act in the best interest of their Clients and the services received are beneficial to all Clients. Members also adhere to the CFP® Board’s Code of Ethics. Aggregating Securities Transactions for Client Accounts FPS is authorized in its discretion to aggregate purchases and sales and other transactions made for the account with purchases and sales and transactions in the same securities for other Clients of FPS. All Clients participating in the aggregated order shall receive an average share price with all other transaction costs shared on a pro-rated basis. Item 13: Review of Accounts Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved Securities in Client accounts are reviewed regularly. Formal account reviews are generally performed quarterly by each Investment Advisory Representative of FPS. Account 13 Financial Planning Solutions, LLC  reviews are performed more frequently when market conditions dictate. Financial Plans are considered complete when recommendations are delivered to the Client and a review is done only upon request of Client. Review of Client Accounts on Non-Periodic Basis Other conditions that may trigger a review of a Client’s accounts are changes in the tax laws, new investment information, and changes in a Client’s own situation. Content of Client Provided Reports and Frequency Clients receive account statements no less than quarterly by the Client’s custodian. Client receives confirmations of each transaction in account from Custodian and an additional statement during any month in which a transaction occurs. Item 14: Client Referrals and Other Compensation Economic Benefits Provided to the Advisory Firm from External Sources and Conflicts of Interest FPS has established an institutional relationship with Schwab through its “Schwab Advisor Services” unit, a division of Schwab dedicated to serving independent advisory firms like FPS. As a registered investment advisor participating on the Schwab Advisor Services platform, FPS receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Schwab. Services provided by Schwab Advisor Services benefit the Advisor and many, but not all services provided by Schwab will benefit Clients. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a custodian creates a potential conflict of interest since these benefits may influence the Advisor’s recommendation of this custodian over one that does not furnish similar software, systems support, or services. Services that Benefit the Client – Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of Client’s funds and securities. Through Schwab, the Advisor may be able to access certain investments and asset classes that the Client would not be able to obtain directly or through other sources. Further, the Advisor may be able to invest in certain mutual funds and other investments without having to adhere to investment minimums that might be required if the Client were to directly access the investments. Services that May Indirectly Benefit the Client – Schwab provides participating advisors with access to technology, research, discounts and other services. In addition, the Advisor receives duplicate statements for Client accounts, the ability to deduct advisory fees, trading tools, and back office support services as part of its relationship with Schwab. These services are intended to assist the Advisor in effectively managing accounts for its Clients, but may not directly benefit all Clients. Services that May Only Benefit the Advisor – Schwab also offers other services to FPS that may not benefit the Client, including: educational conferences and events, financial start-up support, consulting services and discounts for various service providers. Access to these 14 Financial Planning Solutions, LLC  services creates a financial incentive for the Advisor to recommend Schwab, which results in a potential conflict of interest. FPS believes, however, that the selection of Schwab as Custodian is in the best interests of its Clients. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15: Custody Description FPS does not accept or maintain custody of Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees – To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom FPS exercises discretionary authority must hold their assets with a “qualified custodian.” Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct FPS to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by FPS to ensure accuracy, as the Custodian does not perform this review. Item 16: Investment Discretion Discretionary Authority for Trading FPS typically requires discretionary authority to manage securities accounts on behalf of its Clients. FPS has the authority to determine, without obtaining specific Client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. If an account is nondiscretionary, FPS consults with the Client prior to each trade to obtain concurrence if a blanket trading authorization has not been given. The Client engages the Custodian to be used and the commission rates paid to the Custodian. FPS does not receive any portion of the transaction fees or commissions paid by the Client to the Custodian. Item 17: Voting Client Securities Proxy Votes FPS does not vote proxies on securities. Clients are expected to vote their own proxies. The Client will receive their proxies directly from the custodian of their account or from a transfer agent. When assistance on voting proxies is requested, FPS will provide recommendations to the Client. If a conflict of interest exists, it will be disclosed to the Client. 15 Financial Planning Solutions, LLC  Item 18: Financial Information Balance Sheet A balance sheet is not required to be provided because FPS does not serve as a custodian for Client funds or securities and FPS does not require prepayment of fees of more than $1,200 to be delivered six months or more in advance. Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients FPS has no condition that is reasonably likely to impair our ability to meet contractual commitments to our Clients. Bankruptcy Petitions during the Past Ten Years Neither FPS nor its management has had any bankruptcy petitions in the last ten years. 16 Financial Planning Solutions, LLC  B R O C H U R E SUPPLEMENT F O R M A D V P A R T 2 B Lyman H. Jackson, Certified Financial Planner™ Practitioner Accredited Investment Fiduciary™ Financial Planning Solutions, LLC Office Address: 134 Rumford Ave Suite 203 Auburndale, MA 02466 Tel: 617-630-4978 Lyman@PlanWithFPS.com www.planwithfps.com MARCH 19, 2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about Lyman Jackson and supplements the Financial Planning Solutions, LLC’s Disclosure Brochure. You should have received a copy of that Disclosure Brochure. Please contact Lyman Jackson if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. Additional information about Lyman Jackson (CRD #12,63219) is available on the SEC’s website at www.adviserinfo.sec.gov. 17 Financial Planning Solutions, LLC  Brochure Supplement (Part 2B of Form ADV) Principal Executive Officer Lyman H. Jackson, CFP®, AIF® • Year of birth: 1961 Item 2 Educational Background and Business Experience Educational Background: • Boston University; Program for Certified Financial Planners; 2004 • Northeastern University; Master in Business Administration – Finance and International Marketing; 1991 • Boston University; Bachelor of Science in Business Administration – Marketing; 1983 Business Experience: • Financial Planning Solutions, LLC; Member/Managing Partner and Co-Founder; • • 08/2013 – Present Independent Insurance Agent; 02/2003 – 01/2019 Jackson Financial Advisors; President/Investment Advisor Representative; 01/2006 – 08/2013 • Royal Alliance Associates, Inc.; Registered Representative; 01/2008 – 08/2013 • FSC Securities Corporation; Registered Representative; 02/2004 – 01/2008 • Holm Investment Advisors; Independent Contractor/Financial Planner; 02/2004 – 12/2005 Professional Certifications Employees have earned certifications and credentials that are required to be explained in further detail. Certified Financial Planner™ Practioner (CFP®), May 2006 to present. CFP® is a designation granted by the CFP® Board. CFP® requirements: • Bachelor’s degree from an accredited college or university. • Completion of the financial planning education requirements set by the CFP® Board (www.cfp.net). • Successful completion of the 10-hour CFP® Certification Exam. • Three-year qualifying full-time work experience. • Successfully pass the Candidate Fitness Standards and background check. • When you achieve your CFP® designation, you must renew your certification every year, pay a certification fee and complete 30 hours of continuing education, including two hours of ethics, every two years. Accredited Investment Fiduciary (AIF®): AIF® is a designation awarded by the Center for Fiduciary Studies, LLC. AIF® requirements: • Complete training curriculum. • Pass the 60 question AIF® exam with 75% correct answers. • Sign and agree to abide by a Code of Ethics. • Complete six hours of continuing professional education. • Maintain current contact information in fi360’s designee database. • Submit yearly renewal application with annual dues. 18 Financial Planning Solutions, LLC  Item 3 Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Lyman Jackson. Mr. Jackson has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Jackson. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Jackson. However, we do encourage you to independently view the background of Mr. Jackson on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1263219. Item 4 Other Business Activities Real Estate Investment and Ownership Mr. Jackson is also an owner of a residential real estate property. As an owner, Mr. Jackson’s duties include oversight of property management, review and approval of leases, collection and deposit of rent, and negotiation and payment of bills. Mr. Jackson receives additional compensation in the form of rental income that is separate and distinct from his advisory fees. Mr. Jackson spends less than 5% of his time per month in this capacity. Item 5 Additional Compensation Mr. Jackson has additional business activities where compensation is received that are detailed in Item 4 above Item 6 Supervision Lyman Jackson is a Managing Partner and Co-Founder of Financial Planning Solutions, LLC. He is responsible for supervision, formulation and monitoring of investment advice offered to Clients. He will adhere to the policies and procedures as described in the Advisor’s Compliance Manual. 19 Financial Planning Solutions, LLC  B R O C H U R E SUPPLEMENT F O R M A D V P A R T 2 B Richard H. Fingerman, Certified Financial Planner™ Practitioner Certified Divorce Financial Analyst® Certified College Planning Specialist™ Financial Planning Solutions, LLC Office Address: 134 Rumford Ave Suite 203 Auburndale, MA 02466 Tel: 617-630-4978 Rick@PlanWithFPS.com www.planwithfps.com MARCH 19, 2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about Richard H. Fingerman and supplements the Financial Planning Solutions, LLC’s Disclosure Brochure. You should have received a copy of that Disclosure Brochure. Please contact Richard H. Fingerman if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. Additional information about Richard H. Fingerman (CRD #1976526) is available on the SEC’s website at www.adviserinfo.sec.gov. 20 Financial Planning Solutions, LLC  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Principal Executive Officer Richard H. Fingerman, CFP®, CDFA® • Year of birth: 1960 Item 2 Educational Background and Business Experience Educational Background: • Boston University; Program for Certified Financial Planners; 2001, Diploma in Financial Planning Business Experience: • Financial Planning Solutions, LLC; Member/ Managing Partner and Co-Founder; 08/2013 – Present • Cambridge Investment Research Advisors, Inc.; Investment Advisor Representative; 04/2013 – 08/2013 • Cambridge Investment Research Advisors, Inc.; Investment Advisor Representative; 03/2005 – 8/2013 • Cambridge Investment Research, Inc.; Investment Advisor Representative; 10/2001 – 03/2005 Professional Certifications Employees have earned certifications and credentials that are required to be explained in further detail. 2. Certified Financial Planner™ Practioner (CFP®), September 1995 to present. CFP® is a designation granted by the CFP® Board. CFP® requirements: • Bachelor’s degree from an accredited college or university*. • Completion of the financial planning education requirements set by the CFP® Board (www.cfp.net). • Successful completion of the 10-hour CFP® Certification Exam. • Three-year qualifying full-time work experience. • Successfully pass the Candidate Fitness Standards and background check. • When you achieve your CFP® designation, you must renew your certification every year, pay a certification fee and complete 30 hours of continuing education, including two hours of ethics, every two years. 2. Certified Divorce Financial Analyst™ (CDFA™): CDFA™ is a designation awarded by the Institute for Divorce Financial Analysts™ CDFA™ requirements: • Complete training curriculum. • Minimum or 70% of higher on all exams. • Sign and agree to abide by a Code of Ethics. • Complete 15 hours of divorce-related continuing professional education every 2 years. • Submit yearly designation fee. * NOTE: Mr. Fingerman has not received a bachelor’s degree from an accredited college or university. However, he received his CFP® designation prior to the designation’s credential requirement update. 21 Financial Planning Solutions, LLC  ’ 3. Certified College Planning Specialist™ (CCPS): CCPS is a professional certification granted in the United States by the National Institute of Certified College Planners. To attain the right to use the CCPS certification an individual must complete sixteen (16) one-hour courses, after each course an exam is administered requiring a passing grade of 70% or better to move on to the next course. The candidate must meet one of the following requirements: • Professional financial certification/designation or • Professional financial license (securities, insurance, accounting, etc.), or • A combination of education and experience deemed satisfactory by the NICCP Advisory Council Individuals who become certified are required to complete 24 hours of continuing education in order to maintain the right to continue to use the CCPS designation. Item 3 Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Richard Fingerman. Mr. Fingerman has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Fingerman. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Fingerman. However, we do encourage you to independently view the background of Mr. Fingerman on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1976526. Item 4 Other Business Activities Real Estate Investment and Ownership Mr. Fingerman is also an owner of a residential real estate property. As an owner, Mr. Fingerman’s duties include oversight of property management, review and approval of leases, collection and deposit of rent, and negotiation and payment of bills. Mr. Fingerman receives additional compensation in the form of rental income that is separate and distinct from his advisory fees. Mr. Fingerman spends less than 5% of his time per month in this capacity. Item 5 Additional Compensation Mr. Fingerman has additional business activities where compensation is received that are detailed in Item 4 above. 22 Financial Planning Solutions, LLC  Item 6 Supervision Richard H. Fingerman is a Managing Partner and Co-Founder of FPS. He is responsible for supervision, formulation and monitoring of investment advice offered to Clients. He is supervised by Lyman Jackson, Chief Compliance Officer and will adhere to the policies and procedures as described in the firm’s Compliance Manual. 23 Financial Planning Solutions, LLC  B R O C H U R E SUPPLEMENT F O R M A D V P A R T 2 B Janet Rhodes Friedman, Certified Financial Planner™ Practitioner Certified Divorce Financial Analyst® Financial Planning Solutions, LLC Office Address: 134 Rumford Ave Suite 203 Auburndale, MA 02466 Tel: 617-630-4978 Janet@PlanWithFPS.com www.planwithfps.com MARCH 19, 2025 This Form ADV Part 2B (“Brochure Supplement”) provides information about Janet Rhodes Friedman and supplements the Financial Planning Solutions, LLC’s Disclosure Brochure. You should have received a copy of that Disclosure Brochure. Please contact Janet Rhodes Friedman if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. Additional information about Janet Rhodes Friedman (CRD #1976526) is available on the SEC’s website at www.adviserinfo.sec.gov. 24 Financial Planning Solutions, LLC  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Senior Financial Advisor Janet Rhodes Friedman, CFP®, CDFA® • Year of birth: 1956 Item 2 Educational Background and Business Experience Educational Background: • The Tuck School at Dartmouth College, M.B.A. in General Management, 1984 • Duke University, A.B. cum laude in Management Science, 1978 Business Experience: Investment Advisor Representative, CWM, LLC – 4/2019 to 4/2022 Investment Advisor Representative, Abaris Financial Group, LLC – 10/2009 to 6/2019 • Financial Planning Solutions, LLC; Senior Financial Advisor; 5/2022 to Present • Wealth Advisor, Abaris Financial Group, LLC – Wealth Advisor, 10/2019 to 4/2022 • • • Freelance Writer, Concord Public Schools – 2006 to 2018 • Consultant, Insight Experience, LLC – 2005 to 2009 • Treasurer & Other Roles, Fifteen Community Non-Profit Boards – 1999 to Present • Vice President, Fidelity Investments – 1987 to 1995 • Senior Consultant, KPMG – 1984 to 1987 • Corporate Accounts Officer, First National Bank of Atlanta – 1978 to 1982 Professional Certifications Employees have earned certifications and credentials that are required to be explained in further detail. 1. Certified Financial Planner™ Practitioner (CFP®), 1996 to present. CFP® is a designation granted by the CFP® Board. CFP® requirements: • Bachelor’s degree from an accredited college or university. • Completion of the financial planning education requirements set by the CFP® Board (www.cfp.net). • Successful completion of the 10-hour CFP® Certification Exam. • Three-year qualifying full-time work experience. • Successfully pass the Candidate Fitness Standards and background check. • When you achieve your CFP® designation, you must renew your certification every year, pay a certification fee and complete 30 hours of continuing education, including two hours of ethics, every two years. 2. Certified Divorce Financial Analyst® (CDFA®), 2014 to present. CDFA® is a designation awarded by the Institute for Divorce Financial Analysts™ CDFA® requirements: • Complete training curriculum. • Minimum or 70% of higher on all exams. • Sign and agree to abide by a Code of Ethics. 25 Financial Planning Solutions, LLC  • Complete 15 hours of divorce-related continuing professional education every 2 years. • Submit yearly designation fee. Item 3 Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Janet Rhodes Friedman. Ms. Friedman has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Ms. Friedman. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Ms. Friedman. However, we do encourage you to independently view the background of Ms. Friedman on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1771048. Item 4 Other Business Activities Janet Rhodes Friedman is dedicated to the investment advisory activities of FPS’ Clients. Ms. Friedman does not have any other business activities. Item 5 Additional Compensation Janet Rhodes Friedman is dedicated to the investment advisory activities of FPS’ Clients and does not have other forms of compensation. Item 6 Supervision Janet Rhodes Friedman is a Senior Financial Advisor at FPS. Ms. Friedman is responsible for supervision, formulation and monitoring of investment advice offered to Clients. She is supervised by Lyman Jackson, Chief Compliance Officer and will adhere to the policies and procedures as described in the firm’s Compliance Manual. 26 Financial Planning Solutions, LLC  B R O C H U R E SUPPLEMENT F O R M A D V P A R T 2 B Andrew F. Holmes Certified Financial Planner™ Practitioner Certified College Planning Specialist™ Certified Student Loan Professional (CSLP®) Financial Planning Solutions, LLC Office Address: 134 Rumford Ave Suite 203 Auburndale, MA 02466 Tel: 617-630-4978 Andrew@PlanWithFPS.com www.planwithfps.com This Form ADV Part 2B (“Brochure Supplement”) provides information about Andrew F. Holmes and supplements the Financial Planning Solutions, LLC’s Disclosure Brochure. You should have received a copy of that Disclosure Brochure. Please contact Andrew F. Holmes if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. MARCH 19, 2025 Additional information about Andrew F. Holmes (CRD #7137994) is available on the SEC’s website at www.adviserinfo.sec.gov. 27 Financial Planning Solutions, LLC  Brochure Supplement (Part 2B of Form ADV) Financial Advisor Andrew F. Holmes • Year of birth: 1997 Item 2 Educational Background and Business Experience Educational Background: • Boston University; Program for Certified Financial Planners; Diploma in Financial Planning 2020 • Bentley University; Bachelor of Science in Finance; 2019 Business Experience: • Financial Planning Solutions, LLC; Financial Planner; 06/2019 – Present • Financial Planning Solutions, LLC; Intern; 09/2018 – 05/2019 • State Line Propane LLC; Service Technician; 05/2016 – 08/2018 • Grass Helper Lawn Care LLC; Irrigation Servicer; 05/2016 – 08/2016 Professional Certifications Employees have earned certifications and credentials that are required to be explained in further detail. 1. Certified Financial Planner™ Practitioner (CFP®), March 2022. CFP® is a designation granted by the CFP® Board. CFP® requirements: • Bachelor’s degree from an accredited college or university. • Completion of the financial planning education requirements set by the CFP® Board (www.cfp.net). • Successful completion of the 10-hour CFP® Certification Exam. • Three-year qualifying full-time work experience. • Successfully pass the Candidate Fitness Standards and background check. • When you achieve your CFP® designation, you must renew your certification every year, pay a certification fee and complete 30 hours of continuing education, including two hours of ethics, every two years. 2. Certified Student Loan Professional® • Certified Student Loan Professional (CSLP®): CSLP® is a certification for licensed financial professionals. It denotes specialized knowledge to accurately advise clients about student loan repayment within the scope of their financial goals. To attain the credential, individuals must complete 4 courses and over forty (40) modules on advising consumers repayment student debt in the form of a comprehensive financial plan. After completing the courses, CSLP® certification requires a 3 hour and 15 minute remotely proctored examination with a passing grade of 70%. • Certified Student Loan Professionals must abide by a code of ethics and standards of professional conduct and renew their credentials annually. Certification holders must complete all new or amended educational lessons and pass the annual recertification exam with a minimum score of 70%. The recertification validates their ongoing competency in student loans within the context of financial and tax planning. 28 Financial Planning Solutions, LLC  3. Certified College Planning Specialist™ (CCPS): CCPS is a professional certification granted in the United States by the National Institute of Certified College Planners. To attain the right to use the CCPS certification an individual must complete sixteen (16) one-hour courses, after each course an exam is administered requiring a passing grade of 70% or better to move on to the next course. The candidate must meet one of the following requirements: • Professional financial certification/designation or • Professional financial license (securities, insurance, accounting, etc.), or • A combination of education and experience deemed satisfactory by the NICCP Advisory Council Individuals who become certified are required to complete 24 hours of continuing education in order to maintain the right to continue to use the CCPS designation. Item 3 Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Andrew F. Holmes. Mr. Holmes has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Holmes. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Holmes. However, we do encourage you to independently view the background of Mr. Holmes on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7137994. Item 4 Other Business Activities Andrew F. Holmes is dedicated to the investment advisory activities of FPS’ Clients. Mr. Holmes does not have any other business activities. Item 5 Additional Compensation Andrew F. Holmes is dedicated to the investment advisory activities of FPS’ Clients and does not have other forms of compensation. Item 6 Supervision Andrew F. Holmes serves as a Financial Planner of FPS and is supervised by Lyman Jackson, the Chief Compliance Officer. Mr. Holmes can be reached at (617) 630-4978. 29 Financial Planning Solutions, LLC  B R O C H U R E SUPPLEMENT F O R M A D V P A R T 2 B Margaret A. Dolan Client Service Specialist Financial Planning Solutions, LLC Office Address: 134 Rumford Ave Suite 203 Auburndale, MA 02466 Tel: 617-630-4978 Maggie@PlanWithFPS.com www.planwithfps.com This Form ADV Part 2B (“Brochure Supplement”) provides information about Margaret A. Dolan and supplements the Financial Planning Solutions, LLC’s Disclosure Brochure. You should have received a copy of that Disclosure Brochure. Please contact Margaret A. Dolan if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. MARCH 19, 2025 Additional information about Margaret A. Dolan (CRD #2244249) is available on the SEC’s website at www.adviserinfo.sec.gov. 30 Financial Planning Solutions, LLC  Brochure Supplement (Part 2B of Form ADV) Client Service Specialist Margaret A. Dolan • Year of birth: 1969 Item 2 Educational Background and Business Experience Educational Background: • Bentley University; Bachelor of Science in Management; 1991 Business Experience: • Financial Planning Solutions, LLC; Client Service Specialist; 04/2022 – Present • Rosenblum – Silverman – Sutton; Chief Compliance Officer / Director of Operations; 2013-2021 • Conifer Securities, LLC; Client Relationship Manager; 2010-2012 • Catalina Partners; Financial Services Consultant; 2009-2010 • MTV Networks/Viacom; Director of Finance and Planning; 2006-2009 • HC Associates, LLC; Hedge Fund Consultant; 2006-2009 • Dunlap Equity Management; Director of Operations; 2005-2006 • BKP Partners/Jessnick Capital Management; CFO/Director of Trading and Operations; 2002-2004 • Bear Stearns Global Clearing; Vice President of Sales; 2000-2002 • Bear Stearns Global Clearing; Proprietary Systems Trainer; 1999-2000 • Donaldson, Lufkin & Jenrette; Registered Sales Associate; 1995-1999 • Lehman Brothers, Inc.; Registered Sales Associate; 1992-1995 • Investors Bank & Trust; Fund Accountant; 1991-1992 Item 3 Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Margaret A. Dolan. Ms. Dolan has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Ms. Dolan. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Ms. Dolan. However, we do encourage you to independently view the background of Ms. Dolan on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2244249. Item 4 Other Business Activities Margaret A. Dolan is dedicated to the investment advisory activities of FPS’ Clients. Ms. Dolan does not have any other business activities. 31 Financial Planning Solutions, LLC  Item 5 Additional Compensation Margaret A. Dolan is dedicated to the investment advisory activities of FPS’ Clients and does not have other forms of compensation. Item 6 Supervision Margaret A. Dolan serves as a Client Service Specialist of FPS and is supervised by Lyman Jackson, the Chief Compliance Officer. Ms. Dolan can be reached at (617) 630-4978. 32 Financial Planning Solutions, LLC  Privacy Policy Effective Date: March 19, 2025 Our Commitment to You Financial Planning Solutions, LLC (“FPS” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. FPS protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. FPS does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Assets and liabilities Date of Birth, Driver’s License Number, Social Security or taxpayer identification number Name, address and phone number[s] E-mail address[es] Account information (including other institutions) Income and expenses Investment activity Investment experience and goals What Information do we collect from other sources? Account applications and forms Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Investment questionnaires and suitability documents Other information needed to service Client account[s] 33 Financial Planning Solutions, LLC  Privacy Online FPS’ website (www.PlanWithFPS.com) integrates third party data collection tools, which have their separate privacy policies. FPS only collects data through these services to provide users with requested information. Your information is never sold or shared, except for this specific business purpose How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you protect the personal information they receive from us. How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No No Not Shared Yes Yes Servicing our Clients We may share non-public personal information with non- affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Marketing Purposes FPS does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where FPS or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. 34 Financial Planning Solutions, LLC  No Not Shared Information About Former Clients FPS does not disclose and does not intend to disclose, non- public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Massachusetts In response to Massachusetts law, the Client must “opt-in” to share non- public personal information with non-affiliated third parties before any personal information is disclosed. Client opt-in is obtained through the Client’s execution of authorization forms provided by the third parties, by executing an Information Sharing Authorization Form, or by other written consent by the Client, as appropriate and consistent with applicable laws and regulations. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy, and will provide you with a revised policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at 617-630-4978. 35 Financial Planning Solutions, LLC