# EDGAR Filing Document

**Accession Number:** 0001594854
**File Stem:** 0001594854-26-000007
**Filing Date:** 2026-2
**Character Count:** 28465
**Document Hash:** 3aa32f65bebf341bfaf0f8c1e5fc236c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001594854-26-000007.hdr.sgml**: 20260202

**ACCESSION NUMBER**: 0001594854-26-000007

**CONFORMED SUBMISSION TYPE**: 497K

**PUBLIC DOCUMENT COUNT**: 4

**FILED AS OF DATE**: 20260202

**DATE AS OF CHANGE**: 20260202

**EFFECTIVENESS DATE**: 20260202

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GreenFi Funds Trust
- **CENTRAL INDEX KEY:** 0001594854

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 0131

**FILING VALUES:**
- **FORM TYPE:** 497K
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-192991
- **FILM NUMBER:** 26588678

**BUSINESS ADDRESS:**
- **STREET 1:** 1100 SANSOME STREET
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94111
- **BUSINESS PHONE:** 800-683-8529

**MAIL ADDRESS:**
- **STREET 1:** 1100 SANSOME STREET
- **CITY:** SAN FRANCISCO
- **STATE:** CA
- **ZIP:** 94111

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Aspiration Funds
- **DATE OF NAME CHANGE:** 20131219

## Series and Classes Contracts Data

### GreenFi Redwood Fund (Series ID: S000049577)

| Class ID   | Class Name           | Ticker Symbol   |
|:---|:---|:---|
| C000156670 | GreenFi Redwood Fund | REDWX           |

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![](image0.jpg)

**GreenFi Redwood Fund**<br> Ticker Symbol: REDWX

*A series of*

#### GreenFi Funds Trust

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#### SUMMARY PROSPECTUS
February 1, 2026

Before you invest, you may want to review the GreenFi Redwood Fund's (the "Fund") Prospectus, which contains more information about the Fund and its risks. You can find the Fund's Prospectus and other information about the Fund online at <u>funds.greenfi.com</u>. You can also get this information at no cost by calling 1-800-683-8529. The Fund's Prospectus and Statement of Additional Information, each dated February 1, 2026, are incorporated by reference into this Summary Prospectus.

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**Investment Objective:** The primary investment objective of the GreenFi Redwood Fund (the "Fund") is to maximize total return, consisting of capital appreciation and current income.

**Fees and Expenses:** This table describes the fees and expenses that you may pay if you buy, hold, and sell shares of the Fund. **You may pay other fees, such as brokerage commissions and other fees to financial intermediaries, which are not reflected in the tables and example below.**

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| | |
|:---|:---|
| **Shareholder Fees** | **Shareholder Fees** |
| *(fees paid directly from your investment)* | *(fees paid directly from your investment)* |
| <br> Maximum Sales Charge (Load) Imposed on Purchases<br> (as a percentage of offering price)<br>| <br> 0.00%<br>|
| <br> Maximum Deferred Sales Charge (Load)<br> (as a percentage of amount redeemed)<br>| <br> 0.00%<br>|
| <br> Redemption Fee<br> (as a percentage of amount redeemed)<br>| <br>0.00%<br>|

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| | |
|:---|:---|
| <br> **Annual Fund Operating Expenses**<br> *(expenses that you pay each year as a percentage of the value of your investment)* | <br> **Annual Fund Operating Expenses**<br> *(expenses that you pay each year as a percentage of the value of your investment)* |
| <br> Management Fees<br>| <br> 0.50%<br>|
| <br> Distribution and/or Service (12b-1) Fee<sup>1</sup><br>| <br> 0.01%<br>|
| <br> Other Expenses<br>| <br> 0.79%<br>|
| <br> **Total Annual Fund Operating Expenses**<br>| <br> **1.30%**<br>|

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*<sup>1.</sup> Distribution and/or Service (12b-1) Fees are less than 0.01% due to rounding. The Fund has adopted a plan pursuant to Rule 12b-1 promulgated under the Investment Company Act of 1940, as amended, that allows the Fund to pay for distribution and support services. Although the Fund is allowed to pay annual 12b-1 expenses of 0.25% under the plan, the Board of Trustees has only authorized the Fund to pay the amount charged by the Fund's principal underwriter and distributor and related offerings costs*

**<u>Example</u>**: The Example is intended to help you compare the cost of investing in the Fund with the cost of investing in other mutual funds. This Example assumes that you invest $10,000 in the Fund for the time period indicated and then sell or hold all of your shares at the end of those periods. The Example also assumes that your investment has a 5% return each year and that the Fund's operating expenses remain the same (The Example reflects applicable waivers and/or reimbursements for the duration of such arrangement(s). Although your actual costs may be higher or lower, based on these assumptions your costs would be:

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| | | | |
|:---|:---|:---|:---|
| <br> **<u>1 Year</u>**<br>| <br> **<u>3 Years</u>**<br>| <br> **<u>5 Years</u>**<br>| <br> **<u>10 Years</u>**<br>|
| <br> $132<br>| <br> $412<br>| <br> $713<br>| <br> $1568<br>|

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**<u>Portfolio Turnover</u>:** The Fund pays transaction costs, such as commissions, when it buys and sells securities (or "turns over" its portfolio). A higher portfolio turnover rate may indicate higher transaction costs and may result in higher taxes when Fund shares are held in a taxable account. These costs, which are not reflected in annual fund operating expenses or in the Example, affect the Fund's performance. During the most recent fiscal year, the Fund's portfolio turnover rate was 37.49% of the average value of its assets.

#### PRINCIPAL INVESTMENT STRATEGIES
To achieve its investment objective, the Fund invests in, or seeks exposure to, companies that are attractive based on their fundamental valuation profile in addition to evaluating specific sustainability factors. The Fund invests in equity securities that trade on U.S. securities markets, which may include securities of non-U.S. issuers as well as securities of U.S. issuers. The equity securities in which the Fund invests include, but are not limited to, dividend-paying securities, common stock, preferred stock, equity securities of real estate investment trusts ("REITS"), shares of investment companies, convertible securities, warrants, and rights. The Fund may purchase equity securities in an initial public offering ("IPO") provided that the investment is consistent with the Fund's investment strategy. The Fund may, but is not required to, use exchange-traded derivative instruments for risk management purposes or as part of the Fund's investment strategies. Generally, derivatives are financial contracts with value dependent upon, or derived from, the value of an underlying asset, reference rate, or index, and may relate to stocks, bonds, interest rates, currencies or currency exchange rates, and related indexes. The derivatives in which the Fund may invest include futures and forward currency agreements. These derivatives may be used for risk management purposes to manage or adjust the risk profile of the Fund. Futures on currencies and forward currency agreements may also be used to hedge against a specific currency. In addition, futures on indices may be used for investment (non-hedging) purposes to earn income; to enhance returns; to replace more traditional direct investments; or to obtain exposure to certain markets.

UBS Asset Management (Americas) LLC (the "Sub-Adviser") bases investment decisions upon price/value discrepancies as identified by the Sub-Adviser's fundamental valuation process. In selecting securities for the Fund, the Sub-Adviser focuses on, among other considerations, identifying discrepancies between a security's fundamental value and its market price. In this context, the fundamental value of a given security is the Sub-Adviser's assessment of what a security is worth. The Sub-Adviser will select a security whose fundamental value it estimates to be greater than its market value at any given time. For each stock under analysis, the Sub-Adviser bases its estimates of value upon economic, industry, and company analysis, as well as upon a company's management team, competitive advantage and core competencies. The Sub-Adviser then compares its assessment of a security's value against the prevailing market prices, with the aim of constructing a portfolio of stocks across industries with attractive relative price/value characteristics.

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The Sub-Adviser will employ both a positive and negative screening process in selecting securities for the Fund. The positive screening process seeks to identify securities of companies that are fundamentally attractive and that have superior valuation characteristics. In addition, the positive screening process will also include material sustainability factors that the Sub-Adviser believes confirm the fundamental investment case and can enhance the ability to make good investment decisions. The sustainability factors used by the Sub-Adviser in security selection are considered to be material factors that help the Sub-Adviser evaluate and compare the performance of environmental, social, and governance ("ESG") criteria relative to industry and/or sector. The Sub-Adviser combines these considerations with additional financial analysis to identify companies that the Sub-Adviser believes will provide attractively valued and sustainable investment opportunities. The Sub-Adviser believes that the sustainability strategy provides the Fund with a high-quality portfolio and mitigates risk.

The Sub-Adviser also applies a negative screening process that will exclude from the Fund's portfolio securities with more than 5% of sales in industries such as alcohol, tobacco, defense, nuclear, GMO (Genetically Modified Organisms), water bottles, gambling and pornography, and will entirely exclude all firearms issuers and companies within the energy sector as defined by MSCI and its Global Industry Classification Standard (GICS).

From time to time, the Fund may take temporary defensive positions that are inconsistent with the Fund's principal investment strategies, in attempting to respond to adverse market, economic, political, or other conditions. For example, the Fund may hold all or a portion of its assets in money market instruments (high quality income securities with maturities of less than one year), securities of money market funds or U.S. Government repurchase agreements. The Fund may also invest in such investments at any time to maintain liquidity or pending selection of investments in accordance with its policies. As a result, the Fund may not achieve its investment objective.

#### PRINCIPAL RISKS OF INVESTING IN THE FUND
All investments carry a certain amount of risk, and the Fund cannot guarantee that it will achieve its investment objective. The value of the Fund's investments will fluctuate with market conditions, and the value of your investment in the Fund also will vary. You could lose money on your investment in the Fund, or the Fund could perform worse than other investments. Investments in the Fund are not deposits of a bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation ("FDIC") or any other government agency. Below are the principal risks of investing in the Fund:

***Management Risk.*** There is a risk that the investment strategies, techniques and risk analyses employed by the Sub-Adviser may not produce the desired results. If the Fund's annual operating expenses exceed the contractual expense limit under the fund's expense limitation agreement and the Adviser is not able to pay Fund expenses required under such agreement, the Adviser may have to resign as adviser to the Fund or dissolve and liquidate the Fund. Dissolution or liquidation of the Fund may cause shareholders to liquidate or transfer their investments at inopportune times.

***Market Risk.*** The Fund's investments will face risks related to investments in securities in general and the daily fluctuations in the securities markets. In addition, the value of the Fund's investments may be negatively affected by the occurrence of global events, such as war, terrorism, environmental disasters or events, country instability, the establishment of tariffs or other trade restrictions, inflation/deflation, and infectious disease epidemics or pandemics.

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***Equity Securities Risk***. The Fund may invest in equity securities. Equity securities fluctuate in value, often based on factors unrelated to the fundamental economic condition of the issuer of the securities, including general economic and market conditions, and these fluctuations can be pronounced.

***Sustainability Risk.*** The Sub-Adviser's consideration of sustainability factors and the application of positive and negative screening processes may impact the Sub-Adviser's investment decisions as to securities of certain issuers and, therefore, the Fund may forgo some investment opportunities available to funds that do not consider sustainability factors or apply positive or negative screening processes, or that apply different sustainability criteria or screening processes. Consideration of sustainability factors and application of positive and negative screening processes is expected to impact the Fund's exposure to risks associated with certain issuers, industries and sectors, which may impact the Fund's investment performance. The Fund's performance may at times be better or worse than the performance of similar funds that do not consider sustainability factors or apply positive or negative screening processes, or that apply different sustainability criteria or screening processes. "Sustainability" is not a uniformly defined characteristic and consideration of sustainability factors involves subjective assessment. The Fund's investments are expected to include securities of issuers that derive revenue from non-sustainable activities. Sustainability information from third party data providers may be incomplete, inaccurate or unavailable, which could lead to an incorrect assessment of a company's sustainability characteristics.

***Focused Investment Risk.*** There is a risk that investing in a select group of securities or securities in a particular sector could subject the Fund to greater risk of loss and could be considerably more volatile than the Fund's primary benchmark or other funds that are diversified across a greater number of securities or sectors.

***Derivatives Risk.*** The value of "derivatives"—so called because their value "derives" from the value of an underlying asset, reference rate, or index—may rise or fall more rapidly than other investments. It is possible for the Fund to lose more than the amount it invested in the derivative. The risks of investing in derivative instruments also include market risk, management risk and counterparty risk (which is the risk that counterparty to a derivative contract is unable or unwilling to meet its financial obligations). In addition, non-exchange traded derivatives may be subject to liquidity risk, credit risk, and mispricing or valuation complexity. These derivatives risks are different from, and may be greater than, the risks associated with investing directly in securities and other instruments.

***Convertible Securities Risk.*** The Fund may invest in convertible securities. Convertible securities include debt obligations and preferred stock of the company issuing the security, which may be exchanged for a pre-determined price (the conversion price) into the common stock of the issuer. The market values of convertible securities and other debt securities tend to fall when prevailing interest rates rise. The values of convertible securities also tend to change whenever the market value of the underlying common or preferred stock fluctuates.

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***Limited Capitalization Risk.*** There is a risk that securities of small capitalization companies tend to be more volatile and less liquid than securities of larger capitalization companies. This can have a disproportionate effect on the market price of smaller capitalization companies and affect the Fund's ability to purchase or sell those securities. In general, smaller capitalization companies are more vulnerable than larger companies to adverse business or economic developments and they may have more limited resources.

***Portfolio Turnover Risk***. The Fund may buy and sell portfolio securities actively. If it does, its portfolio turnover rate and transaction costs will rise, which may lower the Fund's performance and may increase the likelihood of capital gains distributions.

***IPOs Risk.*** The purchase of equity securities issued in IPOs may expose the Fund to the risks associated with companies that have no operating history as public companies, as well as to the risks associated with the sectors of the market in which the companies operate. The market for IPO shares may be volatile and share prices of newly public companies may fluctuate significantly over a short period of time.

***Foreign Investing Risk.*** The Fund may invest in securities of non-U.S. issuers. Investments in non-U.S. issuers may be riskier than investments in U.S. issuers because of factors such as unstable international political and economic conditions, currency fluctuations, foreign controls on investment, withholding taxes, a lack of adequate company information, a lack of government regulation, and legal systems or market practices that permit inequitable treatment of minority and/or non-domestic investors.

***Futures Risk.*** Use of futures contracts may cause the value of the Fund's shares to be more volatile. Futures contracts expose the Fund to leverage and tracking risks because a small investment in futures contracts may produce large losses and futures contracts may not accurately track the underlying securities.

***Leverage Risk Associated with Financial Instruments Risk.*** The use of financial instruments to increase potential returns, including derivatives used for investment (non-hedging) purposes, may cause the Fund to be more volatile than if it had not been leveraged. The use of leverage may also accelerate the velocity of losses and can result in losses to the Fund that exceed the amount originally invested.

***Investment Company Risk.*** The price movement of an investment company may not correlate to the underlying investments and may result in a loss. Closed-end funds may trade infrequently, with small volume, and at a discount to net asset value ("NAV"), which may affect the Fund's ability to sell shares of the fund at a reasonable price. Further, investments in other investment companies subject the investor to fees and expenses charged by such other investment companies, including ETFs. Finally, the Investment Company Act of 1940, as amended, imposes certain limitations on a fund's investments in other investment companies. These limitations may limit the amount the Fund may invest in certain investment companies.

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***REITs Risk.*** The risk that the Fund's performance will be affected by adverse developments to REITs and the real estate industry. REITs and underlying real estate values may be affected by a variety of factors, including: local, national or global economic conditions; changes in zoning or other property-related laws; environmental regulations; interest rates; tax and insurance considerations; overbuilding; property taxes and operating expenses; or declining values in a neighborhood. Similarly, a REIT's performance depends on the types, values, locations and management of the properties it owns. In addition, a REIT may be more susceptible to adverse developments affecting a single project or market segment than a more diversified investment. Loss of status as a qualified REIT under the U.S. federal tax laws could adversely affect the value of a particular REIT or the market for REITs as a whole.

***Cybersecurity Risk*.** As part of their business, the Adviser, the Sub-Adviser, and third-party service providers process, store, and transmit large amounts of electronic information, including information relating to the transactions of the Fund. The Adviser, Sub-Adviser, third-party services providers, and the Fund are therefore susceptible to cybersecurity risk. Cybersecurity failures or breaches of the Adviser, Sub-Adviser, third-party service providers, or the Fund have the ability to cause disruptions and impact business operations, potentially resulting in financial losses, the inability of Fund shareholders to transact business, violations of applicable privacy and other laws, regulatory fines, penalties, and/or reputational damage. The Fund and its shareholders could be negatively impacted as a result.

#### PERFORMANCE INFORMATION
The following bar chart shows how the Fund's investment results have varied from year to year and the following table shows how the Fund's average annual total returns compared to that of a broad measure of market performance since the Fund's inception. This information provides some indication of the risks of investing in the Fund. All figures assume distributions were reinvested. Prior to October 10, 2024, the Fund had a different investment adviser. From the inception of the Fund until October 10, 2024, the Fund paid no management fees to the previous investment adviser. During this period investors in the Fund were required to be clients of the previous investment adviser. Advisory clients had the option to pay the previous investment adviser a fee in the amount they believed to be fair ranging from 0% to 2.00% of the value of the account, directly to the previous investment adviser. On October 10, 2024, the Fund entered into an agreement with the current investment adviser, under which the Fund pays the current investment adviser a management fee of 0.50%. Investors of the Fund are no longer required to be clients of the investment adviser, nor do they pay advisory fees directly to the investment adviser. Returns prior to October 10, 2024 are presented below assuming investors paid the maximum advisory fee of 2.00% and assuming investors paid 0%. Keep in mind that future performance may differ from past performance. Also, shareholder reports containing financial and investment return information will be available to shareholders semi-annually. Updated performance information is available at no cost by calling (800) 683-8529 (toll free) or by visiting <u>funds.greenfi.com</u>.

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**<u>Calendar Year Returns</u>**<br> *(with 0% assumed management fee reduction for periods prior to October 10, 2024)*

![](image00001.jpg)

#### Calendar Year Returns
*(with 2.00% assumed management fee reduction for periods prior to October 10, 2024)*

![](image00002.jpg)

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| | | |
|:---|:---|:---|
| <br> **Highest and Lowest Quarterly Returns (assumed with 0% management fee reduction for periods prior to October 10, 2024)** | <br> **Highest and Lowest Quarterly Returns (assumed with 0% management fee reduction for periods prior to October 10, 2024)** | <br> **Highest and Lowest Quarterly Returns (assumed with 0% management fee reduction for periods prior to October 10, 2024)** |
| <br> Highest return for a quarter<br>| <br> 29.65%<br>| <br> Quarter ended<br> June 30, 2020<br>|
| <br> Lowest return for a quarter<br>| <br> -29.73%<br>| <br> Quarter ended<br> March 31, 2020<br>|

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| | | |
|:---|:---|:---|
| <br> **Highest and Lowest Quarterly Returns (with assumed 2% management fee reduction for periods prior to October 10, 2024)** | <br> **Highest and Lowest Quarterly Returns (with assumed 2% management fee reduction for periods prior to October 10, 2024)** | <br> **Highest and Lowest Quarterly Returns (with assumed 2% management fee reduction for periods prior to October 10, 2024)** |
| <br> Highest return for a quarter<br>| <br> 27.65%<br>| <br> Quarter ended<br> June 30, 2020<br>|
| <br> Lowest return for a quarter<br>| <br> -31.73%<br>| <br> Quarter ended<br> March 31, 2020<br>|

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| | | | | |
|:---|:---|:---|:---|:---|
| <br> **Average Annual Total Returns<br> Periods Ended December 31, 2025**<br>| <br> **One Year**<br>| <br> **Five<br> Year**<br>| <br> **Ten<br> Year**<br>| <br> **Since<br> Inception\***<br>|
| <br> GreenFi Redwood Fund –<br> Without maximum contribution reduction (with assumed 0.00% management fee reduction for periods prior to October 10, 2024) | <br> GreenFi Redwood Fund –<br> Without maximum contribution reduction (with assumed 0.00% management fee reduction for periods prior to October 10, 2024) | <br> GreenFi Redwood Fund –<br> Without maximum contribution reduction (with assumed 0.00% management fee reduction for periods prior to October 10, 2024) | <br> GreenFi Redwood Fund –<br> Without maximum contribution reduction (with assumed 0.00% management fee reduction for periods prior to October 10, 2024) | <br> GreenFi Redwood Fund –<br> Without maximum contribution reduction (with assumed 0.00% management fee reduction for periods prior to October 10, 2024) |
|  &nbsp;&nbsp;&nbsp;&nbsp;Returns Before taxes<br> Returns after taxes on distributions<br> Returns after taxes on distributions and sale of shares<br>| 17.90%<br> 14.73%<br> 12.81%<br>| <br> 9.71%<br> 7.89%<br> 7.29%<br>| <br> 12.75%<br> 10.75%<br> 9.79%<br>| <br> 12.12%<br> 10.16%<br> 9.26%<br>|
| <br> GreenFi Redwood Fund –<br> With maximum assumed contribution reduction (with assumed 2.00% management fee reduction for periods prior to October 10, 2024.) | <br> GreenFi Redwood Fund –<br> With maximum assumed contribution reduction (with assumed 2.00% management fee reduction for periods prior to October 10, 2024.) | <br> GreenFi Redwood Fund –<br> With maximum assumed contribution reduction (with assumed 2.00% management fee reduction for periods prior to October 10, 2024.) | <br> GreenFi Redwood Fund –<br> With maximum assumed contribution reduction (with assumed 2.00% management fee reduction for periods prior to October 10, 2024.) | <br> GreenFi Redwood Fund –<br> With maximum assumed contribution reduction (with assumed 2.00% management fee reduction for periods prior to October 10, 2024.) |
|  &nbsp;&nbsp;&nbsp;&nbsp;Returns Before taxes<br> Returns after taxes on distributions<br> Returns after taxes on distributions and sale of shares<br>| <br> 17.90%<br> 14.73%<br> 12.81%<br>| <br> 8.49%<br> 6.67%<br> 6.07%<br>| <br> 11.60%<br> 9.60%<br> 8.64%<br>| <br> 10.99%<br> 9.03%<br> 8.13%<br>|
|  S&P 500 Total Return Index<br> (reflects no deductions for fees and expenses)<br>| <br> 17.88%<br>| <br>14.42%<br>| <br>14.81%<br>| <br> 14.59%<br>|

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*\* The Fund commenced operations on November 16, 2015.*

After-tax returns are calculated using the historical highest individual federal marginal income tax rates and do not reflect the impact of state and local taxes. Actual after-tax returns depend on an investor's tax situation and may differ from those shown and are not applicable to investors who hold Fund shares through tax-deferred arrangements such as a 401(k) plan or an individual retirement account (IRA).

#### MANAGEMENT OF THE FUND'S PORTFOLIO
***Investment Adviser.*** Mission Investment Advisors LLC

***Sub-Adviser.*** UBS Asset Management (Americas) LLC

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| | |
|:---|:---|
| <br> ***Sub-Adviser Portfolio Manager(s)*** | <br> ***Sub-Adviser Portfolio Manager(s)*** |
| <br> Alix Foulonneau<br> Portfolio Manager<br> Since 05/2025<br>| <br> Adam Jokich<br> Portfolio Manager<br> Since 08/2020<br>|

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#### MANAGER OF MANAGERS
The Fund obtained regulatory authority to hire one or more additional sub-advisers to manage portions of the Fund's portfolio without obtaining the approval of Fund shareholders. The Fund intends to amend the regulatory authority to include Mission Investment Advisors LLC as the new investment adviser. The Fund will notify all shareholders before making any changes to its sub-adviser.

#### BUYING AND SELLING OF FUND SHARES

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| | |
|:---|:---|
| <u>Minimum Initial Investment:</u> | $10 |
| <u>Minimum Additional Investment:</u> | $1 |

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You can buy or sell shares of the Fund on any business day on which the Fund is open. You can pay for shares via an Automated Clearing House ("ACH") transfer from your bank. For information about purchasing Fund shares, visit <u>funds.greenfi.com</u>.

#### TAX INFORMATION
Fund distributions are generally taxable to you as ordinary income or capital gains, unless your investment is held in an IRA, 401(k) or other tax-advantaged investment plan. Investments in such tax-advantaged plans will generally be subject to tax upon withdrawal of monies from the tax-advantaged plan.