Blue Water Wealth Inc

Item 5 – Fees and Compensation
Advisory fees for our specific service offerings are set forth below.

BlueWaterWealth.com      Portland Office                           Seattle Office
                         500 SW 116th Avenue, Portland, OR 97225   701 N 36th Street, Suite 310, Seattle, WA 98103
                         503-296-8700 Office | 503-296-8701 Fax    206-292-2103 Office | 206-438-4839 Fax

       A. & B. Compensation for Advisory Services

Financial Planning Advisory Fees:

We charge on a fixed fee basis for financial planning services, with fees typically ranging from
$2,000 - $20,000 per engagement, although the specific fixed fee charged to you may vary outside
of this range. The fee you will pay for these services is agreed upon in advance and will be set forth
in a written financial planning agreement you will enter with our firm. The fixed fee amount we
charge you will be determined based on our evaluation of the complexity of your financial
circumstances and financial planning needs. As part of this analysis, we will consider, among other
factors, your net worth, the complexity, amount, location, and types of investable assets you hold
or expect to obtain, your income, liabilities, cash reserves, retirement time horizon, educational
funding needs, and the time, resources, and personnel expected to be involved in completing your
engagement.

We typically collect 100% of the financial planning fee at the start of our relationship. On an annual
basis, we will automatically send comprehensive financial planning clients an invoice and a new
advisory contract offering to renew our financial planning services. These fees are due within thirty
(30) days of the invoice date and are payable by check or credit card. One-time financial planning
engagements conclude with our delivery of the requested written financial plan, report, summary,
or checklist to the client.

Financial planning fees are paid to us via check, ACH, bank transfer, or credit/debit card. Clients
who elect to pay our financial planning fees via credit/debit card will incur a 2.95% credit/debit
card processing fee. We do not require a retainer exceeding $1,200 when financial planning
services cannot be rendered within 6 (six) months.

CAMP Advisory Fees:

Advisory fees for CAMP services are charged as an annual percentage of the market value of the
client’s assets under management within the Program, as set forth in the following fee schedule:

                           [CONTINUED ON THE FOLLOWING PAGE]

BlueWaterWealth.com      Portland Office                           Seattle Office
                         500 SW 116th Avenue, Portland, OR 97225   701 N 36th Street, Suite 310, Seattle, WA 98103
                         503-296-8700 Office | 503-296-8701 Fax    206-292-2103 Office | 206-438-4839 Fax

                                          CAMP FEE SCHEDULE

                                                         Monthly
                           Assets Under                                Annualized
                                                        Percentage
                           Management                                 Percentage of
                                                         of Assets
                             Fee Tiers                                Asset Charge
                                                          Charge
                          Up to $500,000                    0.1250%        1.50%
                      $500,001 - $1,000,000                 0.1042%        1.25%

                      $1,000,001 - $3,000,000               0.0833%        1.00%
                           $3,000,001 -
                                                            0.0625%        0.75%
                           $10,000,000
                      $10,000,001 and greater               0.0420%        0.50%

We may amend the fee applicable to your account only upon thirty (30) days’ prior written notice
to you. Advisory fees for CAMP services will be charged to you monthly in arrears at the rates set
forth in the fee schedule above, based on the total market value of your account(s) within the
Program (exclusive of any cash balances) as of the last day of the previous billing period, as
calculated by the Custodian of your account(s). Our advisory fee shall be calculated using the
“linear” billing method, meaning that the lowest fee rate available based on the market value of
your account within the above fee schedule shall be charged across your entire account. For
example, a client account with a market value of $600,000 would be charged an advisory fee of
0.1042% per month on the value of their entire account.

At our sole discretion, we may agree to reduce or eliminate our advisory fees as they relate to
certain specific holdings in your account to include, for example, legacy stocks held in your account
at the inception of our relationship. We may also reduce or eliminate our advisory fees as they
relate to our management of certain insurance products and securities, including, without
limitation variable annuity sub-accounts. In circumstances where we determine in our sole
discretion that a client’s portfolio management, information, and/or reporting needs exceed our
ordinary CAMP program service level (“Curated Management”), your CAMP account may be
subject to an additional fee of up to 0.25% per annum from the annualized rates set forth in the
fee schedule above. Any such fee adjustments will be reflected in our CAMP Agreement with the
client.

Our CAMP advisory fees will be directly deducted from your account held at the Custodian upon
your written approval of such arrangement and our periodic submission to the Custodian of a
written invoice reflecting the amount of advisory fees to be charged to your account. Your
authorization for direct fee deduction is set forth in our CAMP Agreement and/or the account
...

Item 7 – Types of Clients and Account Requirements
        A. Types of Clients

We typically provide investment advisory services to individuals and high net worth individuals.

        B. Account Requirements

We typically impose the following requirement(s) to open or maintain an account:

    •   The minimum account balance for our CAMP service is $5,000.
    •   We charge a minimum fee of $2,000 for written financial plans.

BlueWaterWealth.com       Portland Office                             Seattle Office
                          500 SW 116th Avenue, Portland, OR 97225     701 N 36th Street, Suite 310, Seattle, WA 98103
                          503-296-8700 Office | 503-296-8701 Fax      206-292-2103 Office | 206-438-4839 Fax

We reserve the right to waive these requirements for individual clients in our sole discretion.