Oak Crest Advisory LLC

Item 5 – Fees and Compensation

This section provides descriptions of each service’s fees and compensation arrangements.

Oak Crest Advisory, LLC                                                       Part 2A of Form ADV: Firm Brochure

Asset Management Services
The annual fee charged to each client is based on the amount of assets under management similar to the
following fee schedule.

                                Market Value of Portfolios        Annual Fee
                                     $0.00 - $1,000,000             1.00%
                                  $1,000,000 - $3,000,000           0.80%
                                  $3,000,000 - $4,000,000           0.60%
                                  $4,000,000 - $5,000,000           0.50%
                                 $5,000,000 - $10,000,000           0.40%

The specific fee charged to individual clients is negotiable based on factors such as, but not limited to, the
complexity of the client’s situation and the amount of assets under management. The specific fee charged
to a client will be agreed upon and described in the client agreement prior to commencing services.

Annual fees for Oak Crest Advisory, LLC’s asset management services are billed quarterly in advance
based on the market value of the client’s assets at the end of the previous quarter. The initial fee for new
accounts is pro-rated based on the number of days remaining in the initial quarter. Fees are typically
deducted directly from the client’s account. Clients must provide the custodian with written authorization to
have fees deducted from the account and paid to Oak Crest Advisory, LLC. At the discretion of Oak Crest
Advisory, LLC, clients can pay fees via invoice. In these situations, the advisory fee is due upon the Client’s
receipt of the billing invoice from Oak Crest Advisory, LLC. The custodian will send client statements, at
least quarterly, showing all disbursements for the account including the amount of the advisory fee, when
deducted directly from the account.

Negotiability of Fees: We allow Associated Persons servicing the account to negotiate the exact investment
management fees within the range disclosed in our Form ADV Part 2A Brochure. As a result, the Associated
Person servicing your account may charge more or less for the same service than another Associated
Person of our firm. Further, our annual investment management fee may be higher than that charged by
other investment advisors offering similar services/programs.

Billing on Cash Positions: The firm treats cash and cash equivalents as an asset class. Accordingly, unless
otherwise agreed in writing, all cash and cash equivalent positions (e.g., money market funds, etc.) are
included as part of assets under management for purposes of calculating the firm’s advisory fee. At any
specific point in time, depending upon perceived or anticipated market conditions/events (there is no
guarantee that such anticipated market conditions/events will occur), the firm may maintain cash and/or
cash equivalent positions for defensive, liquidity, or other purposes. While assets are maintained in cash or
cash equivalents, such amounts could miss market advances and, depending upon current yields, at any
point in time, the firm’s advisory fee could exceed the interest paid by the client’s cash or cash equivalent
positions.

Periods of Portfolio Inactivity: The firm has a fiduciary duty to provide services consistent with the client’s
best interest. As part of its investment advisory services, the firm will review client portfolios on an ongoing
basis to determine if any changes are necessary based upon various factors, including but not limited to
investment performance, fund manager tenure, style drift, account additions/withdrawals, the client’s
financial circumstances, and changes in the client’s investment objectives. Based upon these and other
factors, there may be extended periods of time when the firm determines that changes to a client’s portfolio
are neither necessary nor prudent. Notwithstanding, unless otherwise agreed in writing, the firm’s annual

Oak Crest Advisory, LLC                                                         Part 2A of Form ADV: Firm Brochure

investment advisory fee will continue to apply during these periods, and there can be no assurance that
investment decisions made by the firm will be profitable or equal any specific performance level(s).

IRA Rollover Considerations
As a normal extension of financial advice, we provide education or recommendations related to the rollover
of an employer-sponsored retirement plan. A plan participant leaving employment has several options.
Each choice offers advantages and disadvantages, depending on desired investment options and services,
fees and expenses, withdrawal options, required minimum distributions, tax treatment, and the investor's
unique financial needs and retirement plans. The complexity of these choices may lead an investor to seek
assistance from us.

An Associated Person who recommends an investor roll over plan assets into an Individual Retirement
Account (“IRA”) may earn an asset-based fee as a result, but no compensation if assets are retained in the
plan. Thus, we have an economic incentive to encourage an investor to roll plan assets into an IRA. In
most cases, fees and expenses will increase for the investor as a result because the above-described fees
will apply to assets rolled over to an IRA, and outlined ongoing services will be extended to these assets.

We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to
you regarding your retirement plan account or individual retirement account, we are also 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. We have to act in your best interests and not
...

Item 7 – Types of Clients

We offer our advisory services to individuals, trusts, estates and pension and profit-sharing plans.

Minimum Investment Amounts Required
The firm generally imposes a minimum investment amount of $250,000 to maintain a management account.
However, exceptions to the minimum investment amount may be waived at our discretion.