Sandy Cove Advisors LLC

Item 5 Fees and Compensation
Investment Management Services
Our fee for investment management services is based on a percentage of your assets we manage and
is set forth in the following fee schedule:

    • 1.00% on the first $3,000,000
    • 0.75% on the next $2,000,000
    • 0.50% on the remaining balance

* Client relationships under $500,000 are charged 1.25%.
** In some cases, we may charge clients one fixed fee for providing both investment management
services and financial planning/consulting/vault services.

Our annual investment management fee is generally billed and payable monthly in arrears based on
the average value of your account during the month. In limited circumstances, other fee paying
arrangements may be made. We will include the assets managed by independent managers/third party
money managers when calculating our fee. In addition, you will be charged advisory fees by the
independent managers/third party money managers which fees are separate and apart to the fees
charged by our firm.

If the investment management agreement is executed at any time other than the first day of a month or
billing period, 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 or billing period 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 you paying a reduced advisory fee
based on the available breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds
and securities. We will deduct our advisory fee only when you have given our firm written authorization
permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an
account statement to you at least monthly. These account statements will show all disbursements from
your account. You should review all statements for accuracy.

You may terminate the investment management agreement upon 30 days' notice to our firm. You will
incur a pro rata charge for services rendered prior to the termination of the investment 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.

Financial Planning and Advisory Consulting Services
We charge either a fixed fee for financial planning and consulting services ranging between $100 and
$200,000 which may be on a per annum basis or an hourly fee ranging between $100 and $500. The
fee is negotiable depending upon the individual performing the services, complexity and scope of the
plan or services, your financial situation, and your objectives. In determining the fee, we take into
account frequency of meetings with clients, coordination with the client's other advisors, the complexity
and detail of reports provided to the client and the number of services provided such as bill payment
and vault services as well as any investment management services provided to the client.

We generally require that you pay a portion of the fee in advance and the remaining portion upon the
completion of the services rendered. In certain circumstances, other fee paying arrangements may be
made. In certain circumstances the fees may exceed the initial fee quoted, in which case we will
obtain approval from you before performing additional services. We may, in our sole discretion, waive
or reduce/offset the financial planning fee, including, in circumstances, where the client implements the
plan and engages our firm to provide additional services.

Consolidated Reporting
For consolidated reporting services, we charge a flat fee or an annual fee based upon a percentage of
the market value of the assets included in the accounts being reported upon. The fee generally ranges
between 0.10% and 0.20% of total assets and is billed and payable monthly in arrears based on the
average daily balance of the prior month's balance. The fee is negotiable and we reserve the right, in
our sole discretion, to waive or reduce the fee.

You may terminate the client agreement by providing written notice to our firm. You will incur a charge
for services rendered prior to the termination of the agreement. If you have pre-paid advisory fees that
we have not yet earned, you will receive a refund of those fees based on the work performed.

Family Office and Wealth Planning Services
We offer in-depth personalized concierge Family Office and Wealth Planning services to our high net
worth clients on a fixed fee basis. Our fixed fees are negotiable and range between $20,000 and
$250,000 annually depending on the scope and complexity of the services rendered. Fees will be
reviewed annually based on detailed record keeping of projects and time and expertise required
throughout the previous year and may be adjusted accordingly. Our Family Office and Wealth Planning
services are payable as invoiced on a monthly or quarterly basis. Under no circumstances will we

require prepayment of a fee in excess of $1,200 for services not performed within six months of the
advanced payment. All terms of our engagement will be evidenced in the agreement that you sign with
our firm.

You may terminate the agreement by providing our firm with 30 days written notice. You will incur a pro
rata charge for services rendered prior to the termination of this agreement.

While our firm endeavors at all times to offer clients our specialized services at reasonable costs, the
fees charged by other advisers for comparable services may be lower than the fees charged by our
firm.
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Item 7 Types of Clients
We offer investment advisory, consulting, and financial planning services to individuals, including high
net worth individuals, family offices, trusts, estates, charitable organizations, and business entities.

For investment management services, we generally impose a minimum portfolio size of $1,000,000
and a minimum annual fee of $10,000. Our minimum financial planning fee is an hourly fee ranging
between $100 and $500. We may in our sole discretion waive such minimums.