Selkirk Wealth Advisors LLC

Item 5: Fees and Compensation

We charge for our services based on assets under management, a fixed rate fee, and/or hourly
fees, depending on the services we are providing.

Financial Planning
As discussed in Item 4 above we offer comprehensive financial planning and investment
management services. We also offer stand-alone financial planning services for a fixed fee.
Our typical planning fee is $3,000, but your fee may be more or less than this, depending on
the plan’s complexity. Your exact fee will be detailed in our financial planning agreement with
you. We will charge on an hourly basis, rather than a fixed fee, upon request and when agreed
to in writing. Our hourly rate is $375. Our financial planning fees are negotiable. We will send
you an invoice for our financial planning fee upon completion of the work.

Asset Management
We charge an annual fee for asset management based on a percentage of your assets
according to the below tiered fee schedule. With a tiered fee schedule, different asset levels
are assessed different fees.

         Household Managed Assets     Standard Annual Fee
         First $1,000,000             1.20%
         $1,000,001-$3,000,000        0.85%
         $3,000,001-$6,000,000        0.75%
         $6,000,001-$10,000,000       0.55%
         Over $10,000,000             0.40%

The annual fee for our services is billed quarterly, in advance. We allow for billing in arrears
only on an exceptional basis when the custodian doesn’t process advance fee billing. If the
management agreement does not span the entire quarterly billing period, the fee will be
prorated based on the number of days the account is open during the billing period.

Our asset management fees are negotiable, including the option of a flat fee, meaning all
assets are charged a single fee based on total assets under management.

Fees are based on the fair market value (FMV) of client assets under management, as of the
last day of the previous quarter. We also add or subtract for cash flows in and out greater than
$1000 during the quarter when we calculate the quarterly fee. The specific manner in which
fees are charged by our firm is established in a client's written agreement with the Firm.

Advisory fees for asset management services are automatically deducted from your account
directly by your account custodian. Your account custodian will send you client statements, at
least quarterly, showing all disbursements for the account including the amount of the advisory
fee, if deducted directly from the account. We urge you to review your account statements as
the account custodian will not determine whether the fee has been properly calculated. See

Selkirk Wealth Advisors, LLC                                                                 [6]

Item 7: Types of Clients

We provide investment advice to Individuals and High Net Worth Individuals, pension and
profit-sharing plans, trusts, estates, charitable organizations, corporations and businesses.
Not all clients receive the same investment advice, nor do all clients pay the same fee.

Account Minimums
Our minimum account size, based on the client’s total household assets under our
management, is $750,000. We may waive the minimum at our discretion.