Spraker West Wealth Management Inc

Item 5 – Fees and Compensation

Wealth Management Fees
Fees are billed in advance at the beginning of every quarter directly to the client’s account
through Charles Schwab & Co., Inc. (“The Custodian”). This includes fees for accounts
managed by the Firm but not custodied at Charles Schwab & Co., Inc.
The current fee structure is as follows:
 Assets Under Management               Annual Rate                        Quarterly Rate

 IF Below $400,000                    1.50%                                   0.375%

 IF Between $400,001 - $600,000       1.25%                                   0.313%

 IF Between $600,001 - $1,000,000     1.00%                                   0.250%

 OR First $1,000,000                  1.00%                                   0.250%

 AND Second $1,000,000                0.80%                                   0.200%

 AND Next $8,000,000                  0.50%                                   0.125%

 AND Next $10,000,000                 0.30%                                   0.075%

 AND Any Assets Over $20,000,000 0.20%                                        0.050%

Fees are subject to negotiation if there is an existing family relationship with SWWM, clients
grandfathered under prior billing schedules, and/or complexity of work performed.
The wealth management fee is not related to, and is separate from, any fee charged within
funds and by fund companies, annuity companies, etc., whose securities are held in client
accounts. Any fees and expenses of those companies are disclosed by the companies within
their prospectuses sent directly by the companies to the clients. The fees charged by The
Firm also are exclusive of any transaction fee or trade fee charged by The Custodian for buys
and sells of securities (“Brokerage Fees”) such as those charged on individual stocks, bonds
and certain mutual funds which do not pay The Custodian to offer the funds on their
platform. Further information on the Brokerage fees which client may incur can be found in
Item 12 of this Brochure.
Fees assessed to client portfolios by SPRAKER WEST WEALTH MANAGEMENT, INC. may
include adjustments for flows into or out of the accounts being billed during the quarter

Spraker West Wealth Management, Inc                                                  Page 7
Form ADV Part 2 Brochure                                                     March 24, 2026

preceding the quarter being billed. Fee billing adjustments for capital flows
(deposits/withdrawals/receipt of securities/transfer of securities) are applied based on
capital size and timing of flows during the quarter. Adjustments are made for all flows with
an absolute value of $1000 or larger. Adjustments are added or subtracted from the total bill
due for the upcoming quarter. The adjustment represents a prorated calculation for the value
of assets added or removed intra-quarter for which SWWM had or had not been previously
compensated. The Billing procedure is part of the Spraker West Wealth Management, Inc.
Quarterly Report Process.
How Fees Are Administered
The Wealth Management Agreement (WMA) signed by the client at time of engagement, The
Firm website, as well as this Brochure, disclose the wealth management fee schedule. It is
the policy of The Firm to give this Brochure to prospective clients before the initial meeting
and at least two days before agreeing to render any services. The fee is also clearly stated in
the invoice included with each quarterly report.
 Invoices provide the value of the account at the end of the prior quarter, and the computation
of the fee for the next quarter based on the prior end of quarter value. Fees for the initial and
final billing periods are prorated for the days of the quarter services were provided.
Wealth management fees are assessed directly each quarter to the managed portfolio. After
reports are mailed to the client or the client is notified that they are available online, fees are
submitted electronically to The Custodian. The Custodian then debits each account the fee
which was invoiced to the account and pays this fee to The Firm. The Custodian does not
guarantee accuracy of the fees but does compare each fee which is billed to monitor
consistency of the fees. The Firm encourages clients to verify the accuracy of the
management fee calculation each quarter.
Termination of Services
If the client terminates the advisory contract within three business days of signing the WMA,
the client will be billed only on an hourly basis for meeting time and consulting at The Firm’s
current published rate (see Financial Consulting and Hourly Fees below). The client or The
Firm may terminate the WMA at any time by giving a 30-day written notice to the other party.
The Firm requires a 30-day notice to avoid spending time in analysis, rebalancing and tax
planning in accounts which will be terminated. In all cases of WMA termination, the client is
responsible for a management fee through the 30 days from notification date or the end of
the quarter, whichever occurs first, to pay for all financial, investment management, and tax
planning rendered within 30 days of the notice and for termination processing.
Financial Planning Services and Fees
The Firm provides financial planning to its wealth management clients as needed or as
requested. Planning areas can include: (1) risk management, (2) investment management,
(3) tax planning, (4) retirement planning, and (5) estate planning. A separate fee is charged
for a client Plan for clients who have less than $400k in assets under management (AUM)
with The Firm. Quoted fees for Financial Plans cost $1,200-$2,500 depending upon the level

Spraker West Wealth Management, Inc                                                       Page 8
Form ADV Part 2 Brochure                                                          March 24, 2026

of complexity of the plan, the number of planning scenarios, and number of hours estimated
...

Item 7 – Types of Clients

SPRAKER WEST WEALTH MANAGEMENT, INC. provides portfolio management services to
individuals, families, trusts, estates, charitable organizations, pensions/profit sharing plans and
corporations. We typically provide investment advisory services for client portfolios of $400k
or more. However, we do accept new clients with lower assets and maintain advisory
relationships with existing clients whose assets fall below $400k. SWWM does not have a strict
minimum account size.