Pine Harbor Wealth Management LLC

Item 5 Fees and Compensation
Portfolio Management Services
Our fee for portfolio management services is based on a percentage of the net value of the
securities in your account and is set forth in the following annual fee schedule:

                                         Annual Fee Schedule

            Assets Under Management                                      Annual Fee
                Up to $1,000,000                                           0.89%

              $1,000,001 to $3,000,000                                      0.79%

              $3,000,001 to $6,000,000                                      0.69%

                 Over $6,000,000                                             0%

Our annual portfolio management fee is billed and payable, monthly in advance, based on the prior
month-end balance. Fees are calculated based on your account balance for the previous month and
do not include accrued income. Fees are based on the number of days in the month (i.e., 31 days for
January, 28 days for February, etc.).

Here is an example of how our fees are calculated:

An account with a $350,000 balance as of January 31st will pay $238.96 for the month of February
(assuming 28 days in February), which is deducted directly from your account. The calculation is:
$350,000 x 0.89% / 365 days x 28 days = $238.96. The number of days in the year are either 365
or 366 depending on if it is a leap year.

If your account balance is $1,600,000 as of January 31st, you will pay $1,046.35 for the month of
February (assuming 28 days in February), which is deducted directly from your account. The
calculation is $1,000,000 x 0.89% / 365 days x 28 days plus $600,000 x 0.79% / 365 days x 28 days =
$1,046.35. If you have any questions about how your fees are calculated, please contact us.

If the portfolio management agreement is executed at any time other than the first day of a calendar
month, our fees will apply on a pro rata basis, which means that the advisory fee is payable in
proportion to the number of days in the month for which you are a client. Our advisory fee is
negotiable, depending on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household
to determine the applicable advisory fee. For example, we may combine account values for you and
your minor children, joint accounts with your spouse, and other types of related accounts. Combining
account values may increase the asset total, which may result in your paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

The qualified custodian holding your funds and securities will deduct our fee directly from your account.
Advisory fee will only be deducted from your account when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian; and
    • The qualified custodian agrees to send you a statement, at least quarterly, indicating all
      amounts disbursed from your account including the amount of the advisory fee paid directly to
      our firm.

You may terminate the portfolio management agreement upon written notice. You will incur a pro rata
charge for services rendered prior to the termination of the portfolio management agreement, which
means you will incur advisory fees only in proportion to the number of days in the month for which you
are a client. If you have pre-paid advisory fees that we have not yet earned, you will receive a prorated
refund of those fees.

Financial Planning Services
Financial planning services are provided to our portfolio management clients at no additional cost. You
will only pay the stated assets under management fee listed above.

For clients that do not participate in our portfolio management services, we offer financial planning only
at either a fixed fee, hourly fee, or a monthly retainer fee depending on your needs. Fixed fees are
based on the complexity of your financial situation and the scope of the financial plan needed, and they
can range between $1,000 and $10,000. For hourly financial planning, we will charge $395 an hour.
Prior to entering into the agreement we will estimate the number of hours needed for the project and
upon completion of the project and delivery of the financial plan will invoice you for the hours used.
Fixed fees and hourly arrangements end at delivery of the financial plan. For clients that prefer an
ongoing relationship without portfolio management services, we offer a monthly retainer option based
on the expected number of hours dedicated to your financial planning services on a monthly basis.
Monthly retainer fees will vary and are typically between $300 and $800. All fees are agreed upon in
advance and will be stated in your financial planning agreement. Fees are negotiable depending upon
the complexity and scope of the plan, your financial situation, and your objectives. Our monthly retainer
fees will be payable in advance of services rendered.

Monthly retainer fees will be billed on a monthly or quarterly basis with the total fee divided into
quarterly or monthly installments as agreed upon and stated in the financial planning agreement.
Clients using the hourly billing option and fixed fee option will receive a final one-time bill upon
completion of the project.

We will not require prepayment of financial planning fees more than six months in advance and in
excess of $1,200. Should the financial planning engagement last longer than six months between
acceptance of the financial planning agreement and delivery of the financial plan, we will endeavor to
provide continual services and updates. You may, however, request the return of any prepaid
unearned fees, and they will be promptly returned to you less a pro rata charge for bona fide financial
planning services rendered to date.
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Item 7 Types of Clients
We offer investment advisory services to individuals, including high net worth individuals,
corporations and other businesses.

In general, we do not require a minimum dollar amount to open and maintain an advisory account;
however, we have the right to terminate your Account if it falls below a minimum size which, in our sole
opinion, is too small to manage effectively.

We may also combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts to meet the stated minimum.