Coastwise Capital Group LLC

Item 5: Fees and Compensation

Asset and Portfolio Management Services to Separate Accounts
The Adviser bases its fees on a percentage of assets under management. Fees are negotiable and
may be a flat fee rate or a tiered fee rate. A flat fee rate would charge a single fee for all assets in
the client(s) household portfolios; whereas a tiered fee rate would charge a different fee for assets
at each level (see table). The negotiated fee may be more or less than the ranges reflected in the fee
schedule. The specific negotiated fee will be stated on the Investment Advisory Agreement.

                          Asset Under Management Annualized Fee
                          First $500,000                1.50%
                          Next $1,000,000               1.25%
                          Next $1,500,000               1.00%
                          $3,000,000                    Negotiable

Fees on the majority of portfolios managed by the Adviser are paid monthly in arrears, are due on
the first day of the next calendar month and are based on the account’s asset value as of the last day
of the prior calendar month. In very few cases, fees are paid quarterly in advance, due on the first
day of the quarter based on the account’s asset value as of the last day of the prior quarter. Fees are
prorated for accounts opened during the month as well as inter-month capital flows. In addition,
management fees may be adjusted and prorated during a billable month based upon the listed
breakpoints described above. The Adviser generally deducts fees directly from client accounts;
however, clients do have the option to be invoiced monthly. Invoiced clients are invoiced on the
first business day of the calendar month.

Lower fees for comparable services may be available from other sources at other advisors.

Financial Consulting
Clients are charged an hourly fee or a package rate fee for consulting services. Fees are based on
the complexity of the project and the range of services provided. Clients who select consulting
services are billed at the maximum rate of $250 an hour for Chief Investment Officer services.
Clients will be invoiced on a monthly basis. Monies owed are payable upon receipt of invoice.

The Adviser considers fees for a consulting project(s) to be earned as progress is realized toward
completion of the service. Under no circumstances will the Adviser earn fees in excess of $1200
more than six months in advance of services rendered.
In the event of unearned fees upon early termination of a Financial Consulting Agreement, the
client will be due a refund. Also, the Adviser’s fees may be prorated to the date of termination
where applicable.
Lower fees for comparable services may be available from other sources.

Financial Planning
Clients are charged a package rate fee for planning services. Fees are based on the complexity of

the project and the range of services provided. Clients who select planning services are billed at the
minimum rate of $750 per project. These fees are paid in advance and all services will be promptly
completed, not to exceed 180 days. Monies owed are payable upon receipt of invoice.
The Adviser considers fees for planning project(s) to be earned as progress toward completion of
the service. Under no circumstances will the Adviser earn fees in excess of $1200 more than six
months in advance of services rendered.
In the event of unearned fees upon early termination of a Financial Planning Agreement, the client
will be due a refund. Also, the Adviser’s fees may be prorated to the date of termination where
applicable.
Lower fees for comparable services may be available from other sources.

Other Compensation
The Adviser does not receive any compensation from the purchase or sale of any securities.
The Adviser currently does not receive compensation from any hedge funds or for acting in a sub-
advisory role. If the firm would enter into such an agreement, the compensation would be in the
form of a percentage of management fees and/or performance fees, collected by the partner firm’s
clients.

Other Fees
The client will likely incur fees from brokerages, custodians, administrators, and other service
providers. These fees are incurred as a result of managing a client account and are charged by the
service provider. The amount and nature of these fees is based on the service provider’s fee
schedule(s) at the provider’s sole discretion. These fees are separate and distinct from any fees
charged by the Adviser.
The Adviser may include mutual funds, variable annuity products, ETFs, and other managed
products or partnerships in clients’ portfolios. Clients may be charged for the services by the
providers/managers of these products in addition to the management fee paid to the Adviser. The
fees and expenses are described in each mutual fund’s or underlying annuity fund’s prospectus or
in the offering memorandums of a partnership. These fees will generally include a management
fee, other fund expenses, and a possible distribution fee. No-load or load waived mutual funds may
be used in client portfolios so there would be no initial or deferred sales charges; however, if a
fund that imposes sales charges is selected, a client may pay an initial or deferred sales charge. A
client could invest in a mutual fund or variable annuity or investment partnership directly, without
the services of the Adviser. Accordingly, the client should review both the fees charged by the
funds and the applicable program fee charged by the Adviser to fully understand the total amount
of fees to be paid by the client and to thereby evaluate the advisory services being provided. If it is
determined that a client portfolio shall contain corporate debt or other types of over-the-counter
securities, the client may pay a mark-up or mark-down or a “spread” to the broker or dealer on the
other side of the transaction that is built into the purchase price of the security. The CEO may enter
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Item 7: Types of Clients

Description
The Adviser generally provides investment advice to individuals, corporations or business entities,
and trusts. Additionally, the Adviser may provide investment advice to banks or thrift institutions,
estates, investment companies or charitable organizations. Client relationships vary in scope and
length of service.

Account Minimums
The Adviser does not impose a minimum dollar value of assets for starting or maintaining an
account with the Adviser.