Pandowealth LLC

Item 5: Fees and Compensation

Pandowealth is a fee-only advisory firm. We do not sell products that generate a commission and only
receive fees from our clients as specifically identified by our engagement agreement. As fiduciaries, we
always act in good faith and in the best interests of our clients.
Fees are negotiable and may be paid by the following methods:
   ●​ Check/ACH for one-time engagements or initial fees
   ●​ Pre-authorized ACH draft for monthly subscription fee
   ●​ Withdrawal from your investment account held at your custodian of record for investment
      management
Our invoice will precede payment requests for our advisory fees, and fees paid to our firm will be noted
in your account statement you will receive from your custodian. In all instances, the Adviser will send
the client a written invoice, including the fee, the formula used to calculate the fee, the time period
covered by the fee, and, if applicable, the amount of assets under management on which the fee was
based. The Adviser will send these to the client concurrent with the request for payment or payment of
the Adviser’s advisory fees. We urge the client to compare this information with the fees listed in the
account statement. Our firm does not accept cash, money orders or similar forms of payment for its
engagements. Lower fees for comparable services may be available from other sources.

Personal + Business CFO Services
Upon Client's first engagement for any service with Pandowealth, there is a one-time fee of $2,000. The
up-front fee is due upon executing this agreement but waived if Pandowealth manages $1M or more of
combined investable assets. For ongoing Personal CFO service, there is a tiered, asset-based fee
schedule with a minimum quarterly fee of $1,250. Fees will be assessed quarterly, first by Client's
assets under management (AUM) and the remainder will be invoiced and billed through our third-party
payment processor.

              Assets Under Management                                     Annual Fee

                     $0 - $499,999                                           1.25 %

                $500,000 - $1,999,999                                        1.00 %

                $2,000,000 - $4,999,999                                      0.75 %

                $5,000,000 - $9,999,999                                      0.60 %

                     $10,000,000 +                                           0.50 %

This quarterly fee is paid in arrears based on the average daily balance of the Client’s account(s). The
fee is a blended tier. For example, for assets under management of $2,000,000, a Client would pay
1.25% on the first $499,999 and 1% on the remaining balance. The quarterly fee is determined by the

following calculation: (($499,999 x 1.25%) + ($1,500,001 x 1%)) ÷ 4 = $5,312.50. If the asset-based fee is
less than the $1,250 quarterly minimum, the client will be invoiced for the remainder. For example, a
Client with $200,000 in AUM would have a minimum quarterly fee of $1,250. They would be charged
$625 directly from their investment assets and have the remaining $625 invoiced directly to them.

Pandowealth may allow accounts of members of the same household to be aggregated. Pandowealth
relies on the valuation as provided by Client’s custodian in determining assets under management. Our
fee is prorated for any partial billing periods occurring during the engagement, including the initial and
terminating billing periods. Clients may make additions or withdrawals from their account at any time;
however, Pandowealth reserves the right to adjust our investment management fees on a pro-rata
basis on account of any such cash-flow transactions.

Investment Management
Accounts are assessed an annualized asset-based fee that is based on the average daily balance during
the calendar quarter. The fee will be based on a blended tier % that declines as asset levels increase.
For example, the first $500k of managed investments will be billed at an annual rate of 1.25%; the next
$1.5M of managed investments will be billed at an annual rate of 1.00%. If this Investment Service is
not paired with Financial Planning, there will be a minimum $1,250 quarterly management fee.
Accounts are billed quarterly, in arrears, per the following table:
           Total Household Investable Assets                              Annual % Fee

                      Up to $500k                                            1.25 %

                      $500k - $2M                                             1.0 %

                       $2M - $5M                                             0.75 %

                      $5M - $10M                                             0.60 %

                      Over $10M                                              0.50 %

Cash Management accounts managed by Pandowealth will be billed a separate annual fee of 0.25%
of assets under management. This fee is paid quarterly, in arrears, and is calculated based on the
average daily balance of the Client’s Cash Management account(s).
   ●​ Account Valuations: Accounts will be assessed in accordance with asset values disclosed on the
      quarterly statement the client will receive from the custodian of record for the purpose of
      verifying the computation of the advisory fee. We urge clients to compare the account
      statements they receive from the qualified custodian with invoices and reports they receive
      from the Adviser.
   ●​ Fee Withdrawals: Accounts initiated or terminated during a calendar quarter will be charged a
      pro-rated fee based on the amount of time remaining in the billing period. By signing our firm's
      engagement agreement, as well as the selected custodian account opening documents, you will
      be authorizing the withdrawal of our advisory fees from your account. The withdrawal will be
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Item 7: Types of Clients
Our firm primarily serves the Chick-fil-A community, Operators and Support Center Staff, Professional
Athletes, and high-powered, purpose-driven families. This was decided in order for the firm to
specialize its services to a tailored niche given its experience and professional relationships. We do
reserve the right to selectively serve clients outside of this group. We do not require minimum income,
minimum asset levels or other similar preconditions. We reserve the right to waive or reduce certain
fees based on unique individual circumstances, special arrangements or preexisting relationships. Our
firm reserves the right to decline services to any prospective client for any nondiscriminatory reason.