SkyOak Wealth LLC

Item 5          Fees and Compensation

As set forth below, client fees depend upon the scope of each client’s level of engagement. SkyOak offers
its services on a fee basis which may include any combination of the following:

       Investment Management Services based on the amount of investable assets under

        management.
       Self-Directed IRA Services and Administration based on the amount of self-directed assets.
       Financial Planning or Financial Consultations based on a fixed, hourly or recurring fee.
       Personal Wealth Manager Services or Family Office Services based upon a percentage of assets
        or net worth. This fee can be fixed and/or based on an hourly charge.
       Corporate Retirement Services.
       Other services fees which may be more unique or one-off and depend upon the special needs of
        the client. Each of these fees, if and when they arise, will be disclosed to clients.

Investment Management Services Fees

For its investment management services, SkyOak charges an annual fee based on a percentage of
investable assets under management. SkyOak’s annual investment management fee is prorated and
charged either quarterly or monthly, in advance, based upon the market value of the assets on the last
day of the previous quarter or monthly assessment date. For new accounts, SkyOak charges a fee based
on the value of assets placed in the account, prorated to the portion of the calendar quarter or month
during which the assets were under management by the Firm. For those clients for whom the use of an
unaffiliated

Through our initial consultation and review process with prospective clients, we strive to determine the
most appropriate fee level for each client given their situation, investment style, scope of service and
other relevant data. In doing so, we consider a wide variety of factors related to our advisory services.
These include, but are not limited to, the projected amount of time necessary to manage the account(s),
the asset value of the account(s), the number of accounts in the overall household, the asset mix, the
investment style, any required ancillary services such as goals-based planning, the advisor (or team of
advisors) who will be servicing the account(s), and any other factors in the scope of work required. From
this analysis, we will arrive at a suggested fee level. After discussion and review with our prospective client
we then arrive at a mutually acceptable advisory fee level. Because of these wide- ranging variables, our fee
may vary from as low as 0.050% to as high as 1.95%. For those accounts using the services of a Sub-Adviser,
the fees associated with the Sub-Adviser’s services are borne by SkyOak.

The client’s investment management fee to SkyOak is determined as described above, with some
exceptions negotiated on a case-by-case basis at SkyOak’s discretion. Services provided for the above
fees are for investment advice, asset management, due diligence, monitoring of investments, reporting
of asset holdings, valuations and performance reviews. SkyOak, in its sole discretion, may negotiate to
charge a lower annual fee or lesser investment management fee based upon, among other criteria,
anticipated future portfolio growth, anticipated future additional portfolio contributions, dollar amount
of assets to be managed, related accounts, account composition, pre-existing client relationship, account
retention and/or pro bono activities. The Investment Management and Service Agreement is effective as
of the date signed by the client.

SkyOak, in its sole discretion, may negotiate to charge a lesser management fee based upon the criteria
outlined above.

To the extent that a client authorizes the use of margin, and margin is thereafter employed by our
portfolio managers in the management of the client’s portfolio, the market value of the client’s account
and corresponding fee payable by the client to SkyOak may be increased. In addition to understanding
and assuming the additional principal risks associated with the use of margin, clients using margin are
advised of the potential conflicts of interest whereby the client’s decision to employ margin may
correspondingly increase the management fee payable to the Firm. Accordingly, the decision as to
whether to employ margin is at the sole discretion of client.

Financial Planning and Financial Consulting Services Fees

For its financial planning and other financial consultation services that are apart from or beyond its
investment management services, SkyOak charges fees that are dependent upon the complexity of a
client’s requirements, the number of meetings, client objectives and the extent to which outside
professionals are consulted for estate planning, accounting and other professional services. Fees are
assessed in accordance with the following schedule:

 SkyOak’s Financial Planning & Financial Consulting Fee Schedule

 Initial Financial Plan                                                      $1,500- $10,000

 Annual Retainer for Ongoing Financial Planning Engagement                   50% of Initial Plan Cost

 Hourly Financial Planning or Consulting                                     $200-$600 / Hour

 Retainer Payable upon Commencement of Agreement                             50%

A retainer equal to 50% of the estimated fees is payable at the commencement of the financial planning
or other financial consultation. Ongoing fees are payable as invoiced and/or automatically charged
annually. Additional consulting services and fees will be governed by a separate agreement and no
charges will be assessed to the client without his or her consent. Client consent is effective as of the date
the client signs the agreement.

Private Wealth Manager Services & Family Office Services Fees

SkyOak’s Private Wealth Manager (PWM) and Family Office services fees are calculated as annual flat
...

Item 7        Types of Clients
SkyOak provides investment management services, financial planning, financial consulting services,
corporate retirement plan advisory services, personal wealth manager services, family office services,
and certain specialty administrative services to individuals, corporations and high net worth individuals
and their respective trusts and estates’ businesses; charitable foundations; and individual retirement
accounts. Our account minimum is $200,000. This minimum may be negotiated by the Advisor on the

basis of anticipated additional contributions, related accounts, or other reasonable factors.