Cross Border Wealth LLC

Item 5 Fees and Compensation
ADVISORY FEES

The following information describes how CBW is compensated for the advisory services we provide
to our clients. The specific manner in which fees are charged and the compensation we receive may
differ between clients depending upon the individual Investment Advisory Agreement with each
client. CBW reserves the right to negotiate our compensation with clients depending on the scope
of our advisory relationship, and we may charge higher or lower fees than are available from other
firms for comparable services. CBW has the general discretion to waive all or a portion of our fees,
but typically only exercises this discretion for our employees.

Fees for Portfolio Management Services. In consideration for providing portfolio management
services and pursuant to the Investment Advisory Agreement with the client, CBW charges an
annual asset-based fee based on the client’s assets under management (“AUM”) as valuedby the
custodian. Fees are negotiated with each client based on a variety of factors, such as the amount of
assets being managed, future deposits in the accounts under our management, the level and type
of services provided and/or the nature of the relationship with the client. Our standard fee rates
are provided below.

Schedule of Fees.

 Assets Under Management                           Annual Fee
 Assets less than $500,000                         1.25%
 $500,001 to $1,500,000                            1.00%
 $1,500,001 to $3,000,000                          0.75%
 $3,000,001 to $5,000,000                          0.50%
 $5,000,001 and above                              0.25%

CBW generally bills our fees on a monthly or quarterly basis in arrears, in cases where Charles
Schwab is the custodian, the firm will bill clients quarterly in advance. Clients must authorize the
deduction of our fees from their managed accounts by the qualified custodian and choose the
method by which our fees will be calculated. Clients may elect to have our advisory fees calculated
by our firm and deducted from their accounts. The client makes this election when applying for
their account at custodian of choice or at any time or cancel the existing arrangement.

CBW charges a minimum monthly investment advisory fee of 100 USD for Interactive Brokers
accounts and minimum quarterly investment advisory fee of 300 USD for Charles Schwab accounts.

Fees for U.S. Pension Consulting Services. CBW may charge a fixed investment advisory fee of up
to 1% of the client’s assets held within the applicable U.S. pension plan. The advisory fee is subject
to a minimum fee of USD 2,000, based on the value and scope of the pension assets under
advisement.

Cross Border Wealth, LLC                                                                        6
Form ADV Part 2A

Upon completion of the investment advisory services, the agreed upon fee will be deducted directly
from the client’s pension assets by the pension trustee or custodian and remitted to CBW. Fees are
fully disclosed and agreed upon with the client in advance of services being provided.

Fees for U.K. Pension Consulting Services. CBW charges a fixed consulting fee of up to 3% of the
client’s assets held within the applicable U.K. pension plan. The fee is subject to a minimum of GBP
3,000 and a maximum of GBP 20,000, depending on the size and complexity of the pension assets
under review. Upon completion of the consultation, the agreed upon fee will be deducted directly
from the client’s pension assets by the pension trustee or custodian and paid to CBW. Clients will
not be billed separately unless otherwise agreed in writing.

Additional Fees and Expenses. Clients will incur transaction charges and/or brokerage fees
when purchasing or selling securities. These charges and fees are typically imposed by the broker-
dealer, qualified custodian trustee, administrator and/or plan sponsor through which account
transactions are executed. For more information on our brokerage practices, please refer to the
“Brokerage Practices” section of this Brochure.
The fees that clients pay to our firm for investment advisory services are separate and distinct from
the fees and expenses charged by mutual funds and/or exchange traded funds (described in each
fund’s prospectus) to their shareholders. The fees charged directly by mutual funds and exchange
traded funds will typically include a management fee and other fund expenses.

To fully understand the total costs associated with their investment portfolio, clients should review
all the fees charged by mutual funds, exchange traded funds, our firm and others.

Termination. The Investment Advisory Agreement may be terminated by either party at any time
upon thirty (30) days written notice to the other party. Upon termination of our status as the client’s
investment adviser, CBW will not take any further action with respect to the client’s account(s)
unless specifically notified by the client in writing. Clients will be responsible for instructing their
custodian and monitoring their account for the final disposition of assets.

Refunds. Upon receipt of a proper notice of termination from the client, as described in the
Investment Advisory Agreement, any unpaid fees earned will be billed on a pro-rata basis basedon
the amount of work performed by us up to the point of termination.

Brokerage Commissions. CBW does not receive brokerage commissions from the sale of securities
or other investment products. Our compensation for recommending securities and investment
products is limited to the advisory fees described above.

Any material conflicts of interest between clients and CBW or our employees are disclosed in this
Brochure. If at any time, additional material conflicts of interest develop, CBW will provide our
clients with written notification of those material conflicts of interest or an updated Brochure.
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TYPES OF CLIENTS

CBW offers investment advisory services to a diversified group of clients including individuals, high
net worth individuals, trusts, estates, and corporations and other business entities. Our advisory
services are tailored to the needs of Expatriates Globally, Americans Overseas, and Foreign
Nationals. Client relationships may vary in scope and length of service.

ACCOUNT REQUIREMENTS

CBW generally requires a minimum account balance of $250,000 for our portfolio management
services. However, CBW in its sole discretion may waive or lower our minimum account balance
requirement based on various criteria (i.e., anticipated future additional assets to be managed,
related accounts, account composition, negotiations with the client, etc.).