Pandora Wealth Inc

ITEM 5.         FEES AND COMPENSATION
Portfolio Management Services
Most clients receiving this brochure will be signing up for our private wealth management service,
which can best be defined as giving continuous investment advice to a client and making investments for
the client based on their individual needs. Through this service, we offer a highly customized investment
program for each client, with a specific investment strategy crafted to focus on the specific client’s goals
and objectives.
We provide our private wealth management service through accounts maintained at a qualified
custodian (please refer to Item 15 – Custody for more information). Qualified custodians include, but are
not limited to, certain registered broker-dealers, certain banking institutions, and certain registered
futures commission merchants. We are also able to manage retirement and variable annuity accounts
held at select broker-dealers and qualified custodians, depending on availability. As a condition of this
program, Pandora Wealth will be granted discretionary trading authorization on the client’s account.
This enables us to move client funds among stocks, bonds, ETFs, mutual funds, or other investments at
our discretion (please refer to Item 16 – Investment Discretion for more information).
You are always responsible for notifying us of any changes to your financial situation or investment
objectives. We are always reasonably available to consult with you relative to the status of your
accounts under our management. Your beneficial interest in a security does not represent an undivided
interest in all the securities held by the custodian, but rather represents your direct and beneficial interest
in the securities which comprise your accounts. A separate account is always maintained for every client
with the custodian and you retain all rights of ownership to your accounts (e.g., right to withdraw
securities or cash, exercise or delegate proxy voting (although Pandora Wealth does not accept proxy

 Disclosure Brochure

voting authority – see Item 17 – Voting Client Securities for more information), and receive transaction
confirmations).
Asset Management Fees
Pandora Wealth offers advisory services for a negotiable asset-based fee that is governed by the
investment management agreement (“Agreement”) and based on the account value according to the
following fee schedule:

                                Pandora Wealth Management Fee Schedule
                            Account Value                                   Fee
                           Up to $2,000,000                                1.00%
                        $2,000,000 - $5,000,000                            0.85%
                       $5,000,000 - $10,000,000                            0.70%
                       $10,000,000 - $25,000,000                           0.50%
                           Over $25,000,000                                0.40%

Clients may negotiate the fees they agree to pay. Pandora Wealth calculates its management fee against
all assets in the investment account (including the gross value of those assets held on margin in the
client’s account), unless specifically excluded. Therefore, fee calculations include balances invested in
money market funds, short-term investment funds, ETFs, mutual funds, and all other investment
holdings. The fees that our clients will pay are provided for in the Agreement. All such fees, including
asset-based fees and any other fixed, non-asset-based fees, typically are paid quarterly in advance. To
the extent a client terminates the advisory contract before the end of the current billing period, the client
will be entitled to a refund of the unearned prepaid fee on a pro-rata basis. Such refunded fee will be
paid directly to the client’s account or will be refunded as a cash payment.
Fees are generally deducted directly from a client’s account by the custodian at the client’s direction.
When fees are deducted from your account, you will need to provide the custodian with written
authorization to have fees deducted from the account and paid to Pandora Wealth. The custodian will
send client statements, at least quarterly, showing all disbursements for the account including the
amount of the advisory fee, if deducted directly from the account (please refer to Item 13 – Review of
Accounts for more information regarding client statements).
Financial Planning Fees
To the extent the client has engaged Pandora Wealth solely for financial planning and consulting
services, Pandora Wealth charges a fixed fee as mutually agreed upon with each client for the creation of
an initial plan. The fee is dependent upon the nature and complexity of the engagement and scope of
work however it generally ranges from $5,000 - $15,000. Initial payment of ½ fee is due at the outset of
the engagement and the remainder upon presentation of the initial plan. The scope of work will be
outlined in the agreement.

 Disclosure Brochure

If a financial planning only client subsequently chooses to engage Pandora Wealth for Investment
Advisory services, the client’s fee will depend upon the nature and complexity of the engagement and
scope of work and upon mutual agreement with the client.
Separately Managed Account Program Fees
Clients may be referred to a Separately Managed Account through the wrap fee program. As part of
those services, Pandora Wealth may select and hire an investment manager for certain client portfolios
to provide a particular expertise. For these services, the investment manager receives directly from
Pandora Wealth – and not from any client – a portion of the wrap fee that each client has agreed to pay
Pandora Wealth. Depending on the arrangement, the client’s portfolio transactions may be executed
without commission charges. In evaluating such wrap fee arrangements, the client should consider,
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ITEM 7.         TYPES OF CLIENTS
Pandora Wealth provides portfolio management services to individuals as well as businesses,
corporations, and other entities. The minimum amount for establishing an account is generally
$500,000.00, although initial account sizes of a lesser amount may be accepted at the Firm’s discretion.