Two Ways to Take Control of Education Saving

Our advisory process is designed to be efficient by having our clients provide us with just the key information we need to build a comprehensive plan for education saving:

1. Brief intro call: We learn about your family and discuss whether our service is a good fit
2. Detailed questionnaire: We send you personalized questions to answer at your own pace, covering your goals, timeline, risk tolerance, and current situation
3. Plan development: Our advisors analyze your situation and build your comprehensive roadmap
4. Plan delivery: You receive a detailed written plan including savings targets, investment recommendations, and year-by-year action steps
5. Implementation: You implement the plan yourself in your own accounts

The process doesn't take long, and you'll receive a complete plan you can start acting on as soon as you receive it. Unlike ongoing asset management relationships, it's a one-time project. You'll get a plan to move forward with confidence.

This is by design. We believe you shouldn't have to hand over control of your child's education fund to get quality guidance.

When an advisor manages your money, they typically:

• Have authority to make trades without asking you first
• Require you to move assets to their custody or platform
• Charge ongoing fees based on your account balance, so their fee grows as your savings grow

Our advice-only model works differently:

• Your accounts stay exactly where you want them, whether that's in your bank, your brokerage, or your 529 plan
• You see every recommendation and decide when to act
• You pay for our expertise, not a percentage of your assets

Our pricing is designed to be transparent and fair:

Advisor Service: Project-based fees quoted upfront based on the time we spend on your plan. You'll know the cost before we begin. There are no surprises and no ongoing charges.

Planning App (coming soon): Periodic subscription fees based on plan complexity. No fees based on your savings or assets.

In both cases, we never charge fees as a percentage of your assets. And we don't manage your money. That means our success is measured by the quality of our guidance, not by how much money you give us to manage.

For specific pricing on advisor services, contact us for a personalized quote based on your situation. We also encourage you to review our Form ADV Part 2 for more information on our pricing and our services.

Most calculators and tools give you a static number and leave you on your own. Our app (launching soon) provides ongoing, personalized guidance:

• Personalized targets: Based on your specific goals, not generic averages
• Ongoing recommendations: Periodic alerts on what to save and where to invest
• Adaptive guidance: Recommendations adjust when markets shift, costs change, or your situation evolves
• Transparent reasoning: Understand why every recommendation is made
• You stay in control: We advise; you decide what to implement

Think of it as having an advisor providing specific guidance when you need it, without handing over control of your money.

Join the waitlist to get early access when we launch in your state.

A Robo-advisor is typically a website and/or a mobile app that is run by a registered investment adviser. Their clients sign up for an account and deposit money. The robo-advisor asks questions to determine the client's risk tolerance and then invests the client's money accordingly, performing certain tasks automatically such as rebalancing the client's portfolio and optimizing taxes via strategies like tax loss harvesting.

Robo-advisors and Centoic serve different needs:

Robo-advisors typically:

• Manage your investments for you (you give them control of your money)
• Charge ongoing fees based on how much you deposit (known as "assets under management"). Fees are typically in the range of 0.25% per year.
• Provide generic portfolio allocation based on your risk tolerance
• Offer limited personalization for complex family situations
• Focus on investment management, not comprehensive planning

Centoic's approach:

• Provides guidance while you keep full control of your accounts
• Charges flat, project-based fees (advisor) or subscription fees (app), never a percentage of your savings
• Creates personalized plans based on your specific goals, timeline, and schools
• Offers ongoing recommendations that adapt to changing circumstances (app)
• Can be focused specifically on education savings

The key difference: Centoic provides the roadmap, while you drive. Your money stays in accounts you choose at institutions you trust. We never manage your assets, so our only incentive is helping you reach your education savings goals.