New Wave Financial Services LLC

Item 5 - Fees and Compensation
Our services and associated fee structure have been developed so that we may work with clients regardless
of the size of their investable assets.

New Wave Financial Services, LLC
Form ADV Part 2 – 2026-01-29

We may be paid by check or, following your prior written authorization, your advisory fees may be paid
through a qualified, unaffiliated third-party processor or withdrawal from your investment account held at
your custodian of record. Note that we do not accept cash or money orders for payment for our
engagements.

Our current fees are described below. We reserve the right to offer fee waivers or discounts at our
discretion. Legacy clients may have different fee schedules. Each client’s specific fee is as described in the
advisory agreement.

Types of Fees and Payment Schedule
Ongoing Financial Advising
Ongoing Financial Advising includes comprehensive financial planning, portfolio management, tax planning,
and individual tax preparation. For these services, our fees are as follows:

           Initial Fee: An initial fee of $2,250 is due upon engagement. This initial fee is for the initial client
            onboarding, including initial meetings, data gathering, and account setup. The Initial Fee may be
            paid by check or, following your prior written authorization, may be paid through a qualified,
            unaffiliated third-party processor.
           Financial Planning Base Fee: We charge a Financial Planning Base Fee of $9,000 per year, payable
            quarterly in arrears. The Financial Planning Base Fee may be combined with the Investment
            Management Asset-Based Fee and deducted from your brokerage account as described below or,
            following your prior written authorization, may be paid through a qualified, unaffiliated third-party
            processor.
           Investment Management Asset-Based Fee: In addition, we charge an Investment Management
            Asset-Based fee calculated as a percentage of assets under management, payable quarterly in
            arrears. The asset-based Fee is calculated on the average daily balance of your account from the
            prior calendar quarter according to the schedule below. The Investment Management Asset-Based
            Fee will be deducted from your brokerage account and paid directly to us by the qualified custodian
            that holds your account. You will authorize the qualified custodian to deduct fees from your account
            and pay them to us.

                              Assets Under Management                      Annual Fee
                                     $0 up to $5M                            0.35%
                                     $5M and over                            0.25%
We will never collect fees of $1,200 or more six months or more in advance for services to be rendered.
Note that we do not accept cash or money orders for payment for our engagements.

If we use a model portfolio available through the Altruist Model Marketplace to manage your investment
account, you will incur an additional asset-based fee between 0.12% and 0.40% annually, depending on the
strategy selected. This fee is collected from your investment account monthly in arrears.

Please note that some legacy clients may have fee schedules that vary from the standard fee schedule
stated above, which may result in fees that are higher or lower than our standard fee schedule. Clients are
billed at the rates shown in their respective advisory agreements.

Standalone Financial Planning
When Financial Planning services are provided on a standalone basis, we will charge a fixed fee that will
generally range from $899 for an ask me anything meeting to $6,000 for a financial review, based on the
complexity of the situation and the needs of the client. The fixed fee will be agreed upon before the start of
any work. Half of the fee is due at the beginning of the process and the remainder is due at completion of

New Wave Financial Services, LLC
Form ADV Part 2 – 2026-01-29

work; however, New Wave Financial Services will not bill an amount of $1,200 or more, six months or more
in advance. Additional ad hoc services are available at the hourly rate of $400 per hour.

Standalone financial planning fees may be paid by check or, following your prior written authorization, may
be paid through a qualified, unaffiliated third-party processor. Note that we do not accept cash or money
orders for payment for our engagements.

Negotiable Fees
Our published fees may be discounted by a firm supervisor but they are not negotiable. We reserve the right
to waive or discount fees at our discretion. In some cases, legacy clients may have different fee schedules
than those shown below. Clients’ specific fees are set forth in their advisory agreement.

We strive to offer fees that are reasonable in light of the experience of the firm and its associates as well as
the range of services to be rendered to our clients. We are obligated under statute to inform you that similar
services may be made available from others and potentially at a lesser fee.

Additional Client Fees
Any transactional or service fees (sometimes termed brokerage fees), individual retirement account fees,
qualified retirement plan fees, account termination fees, or wire transfer fees will be borne by the account
holder and per the separate fee schedule of the selected custodian of record. We will ensure you receive a
copy of our custodian’s fee schedule at the beginning of the engagement, and you will be notified of any
future changes to these fees by the custodian of record and/or third-party administrator for certain tax-
qualified plans. Fees paid by our clients to our firm for our advisory services are separate from any of these
fees or other similar charges.

In addition, advisory fees for our firm’s services are separate from any transactional charges a client may
...

Item 7 - Types of Clients
Our current client-base consists of individuals, high net worth individuals, and small businesses. We
encourage interested parties of all economic levels and investment experience to seek our advisory services.
Although we do not require minimum income, minimum asset levels or other similar preconditions, we do
impose a Financial Planning Base Fee of $9,000 annually. When viewed as a percentage of the assets under
management, this minimum fee could exceed 2% of the client’s assets under management; however, the
fee covers financial planning, tax planning, and annual tax return preparation in addition to portfolio
management. Clients should be aware that similar services may be available for other sources for a lower
fee.

New Wave Financial Services reserves the right to waive or reduce certain fees based on unique individual
circumstances, special arrangements or preexisting relationships. We also reserve the right to decline
services to any prospective client for any non-discriminatory reason.

New Wave Financial Services, LLC
Form ADV Part 2 – 2026-01-29