Sequoia Financial Advisors LLC

Item 5 – Fees and Compensation
Wealth Planning Service Fees
SFA may charge a fee for preparing a formal Financial Plan beginning at $1,500 and may increase it
depending on the type and complexity of the Financial Plan. Additional Wealth Planning Services
can be provided which may include retirement planning, investment planning, insurance planning,
college planning, tax planning, estate planning, charitable planning, and business succession
planning. Fees vary by client based on the scope of the engagement and the complexity of the
planning situation, among other factors.

Clients can authorize SFA to deduct their planning fees directly from their investment management
or other account(s). Clients can elect to be billed directly with payment due upon receipt of the plan
or via an automated payment system. Terms and process will be noted in the client agreement.
Fees are negotiable and communicated to the client in a written agreement prior to entering the
planning process. Wealth Planning Fees may also be waived or included as part of a flat fee if a
client decides to engage SFA for Comprehensive Wealth Advisory Services.

Wealth Planning Service Fee Schedule: New Financial Plans

 Plan Type                        New Financial Plan Fee

 Financial Independence Plan      $1,500

 Basic Financial Plan             $3,500

 Comprehensive Financial Plan     $5,500

 Wealth Management Plan           $10,000/Negotiated fee

Wealth Planning Services Fee Schedule: Plan Updates and Monitoring Services
Plan updates and ongoing monitoring service fees are determined as a percentage of the original
plan level purchased or as a fixed retainer. Fees are negotiable and communicated to the client in
a written agreement prior to entering the planning process. Fees may also be waived if client is
receiving Comprehensive Wealth Advisory Services.

In certain circumstances, clients may contract with SFA to assess their financial information prior to
engaging financial planning services. Fees to complete the initial assessment can be charged
hourly, fixed or as a retainer based on the scope of the services provided and agreed to in writing.

SFA has other legacy fee arrangements for planning services that are not offered to new clients.

Investment Management Service Fees
Fees for investment management services are charged as a percentage of assets under
management or as a fixed retainer. The actual fee charged to each client is negotiable based on
factors such as the client's financial situation and circumstances, the amount of assets under
management or review, and the overall number and complexity of the services provided. The
exact services and fees will be agreed upon and disclosed in the client agreement before
investment management services are provided. Accounts listed with the same billing schedule will
be aggregated together for breakpoint advantages as noted in the client agreement.

Fees for investment management services are billed using one of the following methods:

       1. Quarterly in advance based on the value of the investments within the account on the
          last business day of the previous quarter. However, the portfolio’s initial fee will be
          charged based on the day the assets are deposited into the custodial account and
          calculated for the remaining days in the quarter and is combined with the fees charged
          at the beginning of the next quarter. Fees will be pro-rated for each net capital flow
          made during the applicable calendar quarter (reduction in fee for withdrawals during the
          quarter and addition to fee for deposits based on days in account). Accrued interest,
          accrued dividends, and pending transactions will be included in the value used to assess

           the management fee. For certain legacy clients, new accounts or deposits to existing
           accounts have a minimum amount before they are charged a prorated fee.

       2. Quarterly in arrears, based on the value of the account at the close of the last business day
          of the quarter. Fees are generally billed and debited from the client’s account held at
          custodian. In some instances, clients receive a fee invoice and remit payment to SFA via
          check or wire. The fee invoice shall set forth the amount of the fee SFA will bill the client
          for services provided for partial quarters. Clients are billed for partial quarters for
          services provided.

       3. Monthly in advance. The fee will be calculated based on the value of the account on the
          last business day of the prior calendar month, including any accrued interest. The initial
          monthly fee will be a pro-rated portion of the fee based on the number of days
          remaining in the calendar month.

       4. A fixed amount, billed in arrears or advance as described in the client agreement, which
          may be adjusted periodically.

While this is our current standard fee schedule, fee arrangements may vary and are specified in
client agreements. Some legacy fee arrangements may be linear and not tiered per client
agreements and may be higher or lower than the schedule noted above. Clients’ fees are
negotiable and may vary depending upon client’s individual situation and needs.

For purposes of calculating asset-based fees, client assets are generally valued based on the value
ascribed to the assets by the client’s custodian. However, shares of (or interests in) mutual funds,
hedge funds, private equity funds and similar pooled investment vehicles will be based on prices
provided by the fund itself. In addition, SFA may, in good faith, value certain other assets at fair
market value, pursuant to its written valuation policy and procedures.

Asset Management Service fees will be charged to most clients through the direct debit of fees
from the account(s) held with their qualified custodian, as described in the client agreement. Each
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Item 7 – Types of Clients
Sequoia Financial Advisors provides wealth planning and investment advisory services to
individuals, high net worth individuals, charitable institutions, foundations, corporations, trusts,
family offices, private fund(s), retirement plan and other U.S. institutions.

SFA does not currently impose a minimum account value for investment management services.