BlueSky Wealth Advisors LLC

Item 5 Fees and Compensation
Please refer to the Advisory Business section in this brochure for information on our pricing, payment
arrangements, and refund policy according to each service we offer.

Additional Fees and Expenses
As part of our investment advisory services to you, we may invest, or recommend that you invest, in
mutual funds and Exchange Traded Funds ("ETFs"). The payments that you pay to our firm for
investment advisory services are separate and distinct from the fees and expenses charged by mutual
funds or ETFs (described in each fund's prospectus) to their shareholders. These fees will generally
include a management fee and other fund expenses. You may also incur transaction charges and/or
brokerage fees when purchasing or selling securities. These charges and fees are typically imposed by
the broker-dealer or custodian through whom your account transactions are executed. We do not
share in any portion of the brokerage fees/transaction charges imposed by the broker-dealer or
custodian. To fully understand the total cost you will incur, you should review all the fees charged by
mutual funds, ETFs, our firm, and others. For information on our brokerage practices, please refer to
the Brokerage Practices section of this brochure.

We may trade client accounts on margin. Each client must sign a separate margin agreement before
margin is extended to that client account. The use of margin may also result in interest charges in
addition to all other fees and expenses associated with the security involved.

IRA Rollover Recommendations and Considerations
For purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02")
where applicable, we are providing the following acknowledgment to you. When we provide
investment advice to you regarding your retirement plan account or individual retirement account, we
are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the
Internal Revenue Code, as applicable, which are laws governing retirement accounts. Under this
special rule's provisions, we must:

    • Meet a professional standard of care when making investment recommendations (give prudent
      advice);
    • Never put our financial interests ahead of yours when making recommendations (give loyal
      advice);
    • Avoid misleading statements about conflicts of interest, fees, and investments;
    • Follow policies and procedures designed to ensure that we give advice that is in your best
      interest;
    • Charge no more than is reasonable for our services; and
    • Give you basic information about conflicts of interest.

As a fiduciary, we only recommend a rollover when we believe it is in your best interest.

As part of our advisory services, we may recommend that you withdraw the assets from your employer's
retirement plan and roll the assets over to an individual retirement account ("IRA") that we can manage on
your behalf. This process is called a "rollover". You are under no obligation, contractually or otherwise, to
perform a rollover to an IRA. Moreover, if you do complete the rollover, you are under no obligation to have
the assets in an IRA managed by our firm. Whether you withdraw the assets from your employer's
retirement plan and roll them into an IRA, or leave them where they are, the fee you pay to our firm will
remain the same. We do not charge differently to advise you on, or manage, assets based on where the
assets are located.

Most people consider performing a rollover when they leave an employer by way of job change or
retirement. However, sometimes employees can also move assets out of their company plan while still
employed. Typically, when leaving a company due to retirement or job change an employee will have four
options:

    1.   Leave the funds where they are, in your former employer's plan.
    2.   Move the funds to a new employer's retirement plan.
    3.   Cash out and take a taxable distribution from the plan.
    4.   Roll the funds tax-free into an IRA account.

Each of these options has advantages and disadvantages. As a fiduciary, we accept the requirement to act
in your best interest at all times, and our compensation is not dependent upon choosing a particular option.
Thus, before making any changes to your retirement plan accounts, we will discuss these options and
recommend a course of action, that in our opinion, best serves your goals and financial objectives. Here are
some of the considerations we will evaluate when developing a recommendation:

    • Fees and expenses of both the retirement plan and the IRA and whether the employer pays for
      some or all of the plan's administrative expenses
    • Services offered under the plan, such as investment advice, planning tools, telephone help
      lines, educational materials. and workshops, or other services versus services that may not be
      offered, such as asset allocation and distribution planning
    • Investment options that are available in the retirement plan and whether your goals and
      financial objectives can be met within the current employer or a new employer's plan
    • Withdrawal-related differences between IRAs and qualified retirement plans
    • Differential in protection from creditors and legal judgments
    • Possibility to delay taking Required minimum distributions ("RMDs") from a retirement plan if
      still employed
    • Special tax and investment considerations for employer stock held in a retirement plan

Item 7 Types of Clients
We offer investment advisory services to individuals, endowments, pension and profit sharing plans,
trusts, estates, charitable organizations, corporations, and other business entities.

We do not require a minimum account size; however, our services are usually best for people with a
minimum of $1,000,000 in investable assets.