Berkeley Advisors Inc

Item 5 - Fees and Compensation
General Fee Information
Fees paid by clients to participate in the Berkeley Advisors Wrap Fee Program include
brokerage expenses (e.g., commissions, ticket charges, etc.) as well as the management fee
paid to Berkeley Advisors. Under this inclusive billing alternative, Berkeley Advisors will
assess one client fee that captures the management and brokerage expenses collectively.
Inasmuch as Berkeley Advisors pays to the broker/dealer the transaction and execution
costs associated with client accounts, this can create a disincentive for Berkeley Advisors to
trade securities in accounts.

In most instances’ clients will be invested in mutual funds (open- or closed-end) and/or
exchange traded funds (“ETFs”) though cash, individual equities and bonds, options, futures,
and other investment products are available and included as appropriate. The fees noted
above are separate and distinct from the internal fees and expenses charged by mutual funds,
ETFs or other investment pools to their shareholders (generally including a management fee
and fund expenses, as described in each fund’s prospectus or offering materials). The client
should review all fees charged by funds, brokers, Berkeley Advisors, and others to fully
understand the total amount of fees paid by the client for investment and financial-related
services.

Portfolio Management Fees
Portfolio management services are offered through the Berkeley Advisors Wrap Fee
Program. Fees are individually negotiated with each client and range from 0.35% to 1.00%
per annum. Factors considered in determining the fee include, without limitation, the value
of the client’s assets under management, the types of services requested, the complexity of
the relationship, related accounts, account composition, pre-existing client, account
retention, the potential for future assets, etc. Some smaller clients are not served under a
Wrap Fee Agreement and may or may not be charged a fee.

Fees are billed at the beginning of each month or quarter, on the prior months or quarter’s
average daily balance. Fees will be assessed pro rata in the event the Investment Advisory
Agreement (“Agreement”) is executed or terminated at any time other than the first day of a
billing period. The client’s specific fees and applicable billing period (monthly/quarterly) is
set forth in the Agreement signed by the client and Berkeley Advisors.

Financial Planning Fees
Berkeley Advisors may, at its discretion, charge an ongoing monthly or annual fixed fee for
financial planning services under a written agreement with the client. The agreement has a
minimum period of one-year and will automatically renew for an additional year. The client
or Berkeley Advisors may cancel the agreement with 30-day written notice. Berkeley
Advisors, at its sole option, may agree to release a client from further obligations under the
agreement prior to the first annual period’s end.

Berkeley Advisors may, at its discretion, charge a flat, specified dollar fee to provide services
ranging from $250 to $10,000 depending on the scope and complexity of services agreed to
with a client. Berkeley Advisors may, at its discretion, off-set future monthly fee billings
against a flat, specified dollar fee collected which led to new assets under management with
the firm.

A client may engage for ongoing access to financial planning services for an annual or a
monthly fixed fee under an agreement providing detailed information on how each client is
charged. In the event a client has assets under management in the Wrap Fee Portfolio
program, those fees will off-set fees charges for a fixed fee service.

Stand-alone Financial Planning Fees outside of a Wrap Fee Agreement may be collected by
check, ACH, electronic payment and/or in conjunction with Portfolio Management Fees.

Berkeley Advisors may, at its discretion, make exceptions to the foregoing or negotiate
special fee arrangements where Berkeley Advisors deems it appropriate under the
circumstances.

Either Berkeley Advisors or the client may terminate their Agreement at any time, subject to
any written notice requirement of thirty (30) days in the Agreement. Upon termination, any
unpaid, earned fees will be due and payable based on the number of days the portfolio was
managed prior to the termination date. Refunds are generally not applicable as fees are
payable in arrears. However, in the event there are any prepaid unearned fees, Berkeley
Advisors will return a pro rata share to the client.

For a more detailed description of Berkeley Advisors’ fee billing practices for assets under
management, see Berkeley Advisors’ Appendix 1, Wrap Fee Program Brochure.

Other Compensation
Associated Persons of our firm are licensed as independent insurance agents. These persons
will earn commission-based compensation for selling insurance products, including
insurance products they sell to our clients. Insurance commissions earned by these persons
are separate from and in addition to our advisory fees. The sale of insurance instruments and
other commissionable products offered by Associated Persons are intended to complement
our advisory services. However, this practice presents a conflict of interest because persons
providing investment advice on behalf of our firm who are insurance agents have an
incentive to recommend insurance products to you for the purpose of generating
commissions rather than solely based on your needs. We address this conflict of interest by
recommending insurance products only where we, in good faith, believe that it is appropriate
for the client’s particular needs and circumstances and only after a full presentation of the
recommended insurance product to our client. In addition, we explain the insurance
underwriting process to our clients to illustrate how the insurer also reviews the client’s
application and disclosures prior to the issuance of a resulting insuring agreement. Clients
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Item 7 - Types of Clients
Berkeley Advisors serves individuals, high net worth individuals, trusts, and estates.
Berkeley Advisors does not generally impose a minimum portfolio value for conventional
investment advisory services or a minimum fee.

Berkeley Advisors primary methods of marketing are the firm’s website, client or
professional referrals, and/or networking. Advisors may have personal LinkedIn profiles.