Pacific Coast Investment Advisors LLC

Item 5: Fees and Compensation

Client acknowledges receipt of Part 2 of Form ADV and a Privacy Statement. If the appropriate
disclosure statement was not delivered to the Client at least 48 hours prior to the Client entering
into any written advisory contract with this investment adviser, then the Client has the right to
terminate the contract without penalty within five business days after entering into the contract.
For the purposes of this provision, a contract is considered “entered” when all parties to the
contract have signed the contract. Our ADV Part 2: Firm Brochure and Privacy Statement is
available on our website (www.PacificCoastiaIA.com).

Investment Management Services

Pacific Coast Investment Advisors, LLC charges a fee as a percentage of your account value. The
fee schedule is detailed below. Our fees are negotiable. Fees are deducted from accounts at the
client’s custodian and paid on a quarterly basis. The custodian may charge brokerage commissions
on securities transactions which are additional to our management fee. More information about
custodian brokerage fees can be found on their websites. Fees charged by a sub-advisor will be
fully disclosed to Client. Sub-advisory fees may be paid by Advisor from its advisory fees and will
not result in increased fees to Client. Fees associated with Pacific Coast Investment Advisors, LLC
are billed quarterly in advance.

                        Fee Schedule

                        Asset Range                      Fee (Annual)

                        $0-$500,000                      1.25%

                        $500,001-$1,000,000              1.00%

                        $1,000,001 - $5,000,000          0.80%

                        $5,000,001 - $10,000,000         0.65%

                        $10,000,000.00 and up            Negotiable

All fees charged are subject to change upon 30 days advance written notice from Pacific Coast
Investment Advisors. Accounts of family members will be assigned a Rate Level based on
aggregate value of all accounts in family group. Fees are generally negotiable. The Advisory
Contract may be terminated with written notice 30 calendar days in advance. Upon termination
of the Advisory Contract, a prorated refund will be provided to the Client. To prorate the fee Pacific

Coast Investment Advisors, LLC determines the number of days which have already passed in the
billing quarter and divides this number by the total number of days in the quarter. The remaining
unused balance is the amount refunded to the client.

Financial Planning Services

Pacific Coast Investment Advisors, LLC offers Financial Planning services to its clients for a fixed or
hourly fee. Fixed fees for Financial Planning are $2500 for initial planning and $500 for annual
updates to the plan. Our hourly rate is $250, with a minimum fee of $2,000. $500 is due when
entering into any written advisory contract; the initial fee is not refundable. Remaining fees are
due within 30 days upon completion of the service and delivery of the plan. The Advisory Contract
may be terminated with written notice 30 calendar days in advance. Upon termination of the
Advisory Contract, a prorated refund will be provided to the Client. If fees are paid in advance, a
prorated refund will be given, if applicable, upon termination of the Advisory Contract for any
unearned fee. For fees paid in arrears, Client shall be charged a pro-rata fee based upon the
percentage of the work done up to the date of termination.

Pacific Coast Investment Advisors, LLC receives no compensation for the purchase or sale of any
securities or other investment products. Pacific Coast Investment Advisors, LLC uses only no-load
mutual funds for the mutual fund portion of the portfolios we manage. Compensation from the
purchase or sale of securities or other investment products presents a conflict of interest and gives
the salesperson or the supervised person an incentive to recommend investment products based
on the compensation received, rather than on a client’s needs. Since Pacific Coast Investment
Advisors, LLC receives no compensation from the purchase or sale of securities or mutual funds,
we are free of this conflict of interest.

Item 7: Types of Clients

The services of Pacific Coast Investment Advisors, LLC are available to individuals, trusts, and small
businesses. Pacific Coast Investment Advisors, LLC has a minimum account size of $300,000 but
exceptions are made for friends and family of current clients. Small retirement accounts are
accepted if the client meets the $300,000 minimum in other accounts.