Coldstream Capital Management Inc

Item 5 – Fees and Compensation
The current Coldstream standard fee schedule is as follows:

The minimum management fee for private wealth management is $10,000. Minimum management fees for
Family Office management is $150,000. The minimum may be waived at Coldstream's discretion. Non-
standard fee schedules are subject to the approval of the Chief Operating Officer or their designee.

Fees for investment management services are negotiable and range up to 1%, based on the size and
complexity of the services required to manage the assets and will typically be debited directly from client
accounts with the client's written authorization, unless a different method of payment is mutually agreed to.
A client’s specific advisory fees will be disclosed clearly in the client agreement. The basic fee schedule can
vary at the wealth manager's discretion based on the scope of the total relationship. Fee rates can vary
based on factors such as client type, asset class, pre-existing relationship, service levels, portfolio
complexity, and account size or other special circumstances or requirements. Endowment and Foundation
services client management fees are assessed at a different rate than private wealth management clients,
and may be charged a flat rate for certain services; these are disclosed in the client agreement. These
endowment or foundation client management fees will typically be debited directly from client accounts with
the client's written authorization, unless a different method of payment is mutually agreed to.

Some existing clients may pay higher or lower fees than new clients; some clients may pay management
fees quarterly in arrears or on a non-quarterly frequency, per client agreements on file assigned via merger
transactions to Coldstream. Over time these fee agreements will transition to alignment with our standard
fee schedules and frequency. The specific annual fee applicable to your relationship with us will be
identified in the written Investment Advisory Agreement between us. As we charge fees on a relationship
basis, we may group certain related client accounts together for the purposes of determining the annualized
fee. Discounts may be offered to family members or associated persons of Coldstream.

In certain circumstances, Coldstream may charge an hourly or flat fee for advice not directly related to a
specific account or for advice on investment accounts not actively managed by Coldstream. The fees will
vary based on the circumstances involved, e.g., responsibilities involved, relationship to Coldstream,
expectations of significant capital additions in the future, and/or the composition of the client's account,
among other reasons. In each case, the fee arrangements are negotiated with each client separately.

Investment advisory clients transitioned to Coldstream Wealth Management, and formerly served by
Seidman Capital Group, should refer to the tri-party Investment Advisory Agreement between Client,
Coldstream Wealth Management, and Orion Portfolio Solutions, LLC dba Brinker Capital Investments
("Brinker") for the investment advisory fees applicable to their specific investment services relationship. For
clients formerly served by Seidman Capital Group who have transitioned to accounts serviced by Orion
Portfolio Solutions, please see the Orion Portfolio Solutions Applications and Addenda for further
information regarding the Orion Portfolio Solutions Schedule of Fees (the “Fees”), which may be amended
from time to time by Coldstream upon 30 days’ written notice to Client. Please see the Orion Portfolio
Solutions Applications and Addenda for details on payment timing, valuation date, valuation methodology,
and treatment of margin balances when billing. Accounts will be subject to fees and expenses charged,
directly or indirectly, by mutual funds or other investment funds; the Custodian; Broker-Dealers; and other
service providers. All of these fees and expenses shall be included in the Fees charged to the Account.

Financial Planning

Financial planning reviews and basic financial consulting services are included in the standard fee schedule
for clients with assets under management greater than $2 million or paying in excess of $20,000 in annual
fees. Financial planning services and fees are individually negotiated for clients with assets under
management less than $2 million, or paying less than $20,000 in annual fees, and are dependent on the
complexity of the planning and scope of services to be provided. Coldstream may charge a retainer and/or
hourly fees for Client Services, which is designed to assist those clients who require a higher level of
structure and coordination with outside providers such as estate planning, concierge, consulting, and
related services.

For clients choosing to engage Coldstream solely for financial planning, the fee is negotiable based on the
complexity and scope of the engagement. The fee for our typical engagement is a flat fee, based on depth
and complexity of services, or can be charged as an hourly fee for planning and consulting services. Hourly
fees are due and payable upon completion of the plan or services. In each case, the fee arrangements are
negotiated with the client separately.

If clients elect to implement recommendations, their accounts may incur transaction costs, retirement plan
administration fees, and other mutual fund annual expenses that are charged by broker-dealers, plan
administrators or mutual fund companies that sell securities or provide additional services to Advisor’s
clients. These fees are in addition to and separate from planning and consulting fees.

There is a potential conflict of interest because there is an incentive for the Advisor offering financial
planning services to recommend products or services for which the Advisor or an associated person
receives compensation. However, financial planning clients are under no obligation to act upon any
...

Item 7 – Types of Clients
Coldstream provides comprehensive wealth management services to the following types of clients:

   o   Affluent Individuals and their Families                o   Corporate Pension and Profit Sharing
   o   Corporate Executives                                       (ERISA) Plans
   o   Business Owners                                        o   Public Sector Defined Contribution Plans
   o   Multi-Generational Family Wealth                       o   Endowments, Foundations, and Not-for-
   o   Professional Athletes                                      Profit Organizations

Limitations to authority may be based upon specific written objectives and guidelines between Coldstream
and the client, ERISA regulations, or other regulatory body directives.

The minimum management fee for private wealth management is $10,000. Minimum management fee for
Family Office management is $150,000. The minimums may be waived at Coldstream’s discretion. In
addition, Coldstream may continue to service existing accounts that have values and fees that are below the
minimum.

For ERISA clients, Coldstream will provide certain required disclosures to the “responsible plan fiduciary”
(as such term is defined in ERISA) in accordance with Section 408(b)(2), regarding the services we provide
and the direct and indirect compensation we receive by such clients. Generally, these disclosures are also
contained in this Form ADV Part 2A, in the Retirement Plan Investment Advisory Agreement and in
separate ERISA disclosure documents, and are designed to enable the ERISA plan’s fiduciary to:
(1) determine the reasonableness of all compensation received by Coldstream; (2) identify any potential
conflicts of interests; and (3) satisfy reporting and disclosure requirements for plan participants.

Coldstream is deemed to be a fiduciary to advisory clients that are employee benefit plans or individual
retirement accounts (“IRAs”) pursuant to the Employee Retirement Income and Securities Act (“ERISA”).
As such, we are subject to specific duties and obligations under ERISA and the Internal Revenue Code that
include among other things, restrictions concerning certain forms of compensation. To avoid engaging in
prohibited transactions, we may only charge fees for investment advice about products for which we and/or
our related persons do not receive any commissions or 12b-1 fees, or conversely, investment advice about
products for which we and/or our related persons receive commissions or 12b-1 fees, however, only when
such fees are used to offset our advisory fees.

Institutional Investment Management Consulting - Endowments, Foundations, and Not-for-Profits

Coldstream provides comprehensive investment consulting services designed to ensure that clients are
meeting their fiduciary responsibility as defined by UPIA (Uniform Prudent Investor Act), UPMIFA (Uniform
Prudent Management of Institutional Funds Act), or other pertinent laws.

The services listed below are generally a core part of Coldstream’s Investment Management consulting for
Endowments, Foundations, and Not-for-Profits:
   o • Asset Management Services
   o   • Investment Policy Management
   o   • Performance Monitoring
   o   • Risk Assessment
   o   • Fiduciary Services
   o   • Discretionary Management
   o   • Vendor/Manager Due Diligence
   o   • Performance and Attribution Measurement