Stoker Ostler Wealth Advisors Inc

Item 5 – Fees and Compensation

Investment Management
Our standard fees are based on a specified annual percentage rate of the client’s assets
under management. Our standard fees are listed below. Further, previous fee schedules are
still in effect for some clients. These previous fee schedules include fees that are higher and
lower than the current fee schedule.

Current fee schedule (billable on total assets under management):

      1% on the first $3 million
      0.85% on the next $2 million
      0.65% on the next $5 million
      0.55% on assets above $10 million

Our investment advisory fees are negotiable and vary among clients. Fee variations are
based on a number of factors, including, but not limited to: the total amount of assets under
management for a client or household; the scope, complexity, and nature of services
provided; the composition of the account (including the use of sub-advisers or specialized
strategies); anticipated future additional assets; the client’s overall relationship with us or
our affiliates; and competitive considerations.

In certain circumstances, we aggregate assets of related accounts or members of the same
household for purposes of determining the applicable fee schedule; however, aggregation is
not automatic and is applied at our discretion. As a result, clients with similar account sizes
or services can pay different fees.

Each agreement for investment advisory services contains the effective fee schedule. Our
fees are prorated and paid monthly, in arrears, and are based on the market value of the
assets on the last business day of the previous month. After fees are calculated, they are
rounded to the nearest dollar. Negative cash balances (margin) will not be deducted from
the value of clients’ billable assets and therefore included in the calculation of the advisory
fee paid to us. Most commonly, fees are debited directly from the client’s account.
However, with special approval, the clients are invoiced directly. A client agreement can be
terminated by either party for any reason. If a client terminates their client agreement, the
client is still obligated to pay advisory fees prorated through the date of termination.

Financial Planning and Consulting
For clients receiving investment management services, most ongoing financial planning and
consulting services are included in the investment management fees. However, we will
charge investment management clients for extraordinary financial planning or consulting
services in certain circumstances. We will provide written notice to the client in these
situations. We typically charge hourly fees to non-investment management clients for
financial planning and consulting services and to investment management clients for
extraordinary financial planning and consulting services. Fees charged will depend on the
level and scope of the services required and the professionals rendering these services.
Hourly fees will generally range from $250 to $500 per hour plus any expenses incurred.
We bill hourly fees monthly in arrears. If the circumstances warrant, we charge a fixed fee
for financial planning and consulting services.

Stoker Ostler Wealth Advisors Inc.
Form ADV, Part 2A

Other Fees
Clients will incur charges from custodians, broker-dealers, and other third parties including
custodial fees, mutual‐fund level charges, odd‐lot differentials, transfer taxes, wire transfer
and electronic funds fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual funds, closed-end funds, and exchange-traded funds also charge
internal management fees, which are disclosed in each fund’s prospectus. Such charges,
fees, and commissions are exclusive of, and in addition to, our fees. We do not receive any
portion of these charges, fees, or commissions.

If we engage a sub‑adviser for all or a portion of your account, or if you invest in an
exchange fund or other private fund, those parties will charge their own fees in addition to
the advisory fee you pay to us. These fees vary by provider and strategy and are deducted
directly from your account or billed separately, depending on the arrangement. We do not
receive any portion of these fees.

We select and recommend mutual fund share classes that are available to the client and in
the client’s best interest. In most cases, this means the lowest expense share class in which
the client qualifies to invest.

We can negotiate with the fund to gain access to lower fee share classes for the benefit of
clients. For example, for clients that would normally only have access to investor share
classes with higher fees, we attempt to negotiate access to institutional share classes (or
equivalents) that have a lower expense ratio. However, we are not always successful in
negotiating institutional share class access for all our clients.

Access to institutional or equivalent share classes are not available to all clients. Client
access will be limited to investor or higher fee classes if the client cannot meet the minimum
fund investment level for a lower fee share class, the lower fee share class is not available
on the client’s investment platform, or if there are other requirements of the specific share
class that the client does not meet. We will still recommend an investment in such a fund if
the available share class is in the client’s best interest. In making this determination, we
will consider, among other things, whether the investment is not available in an
institutional share class or other no‐load option, offers the best fee for clients in situations
where an institutional share class is not available, and charges fees that are reasonable
given the fund’s strategy and other factors.

Please refer to Item 12—Brokerage Practices which further describes the factors that we
consider in selecting or recommending custodians or broker‐dealers for client transactions.

Stoker Ostler Wealth Advisors Inc.
Form ADV, Part 2A

Item 7 – Types of Clients

We provide investment management services to the following types of clients:

    •   High net-worth individuals
    •   Trusts
    •   Estates
    •   Charitable organizations
    •   Other entities

Our account minimum is typically $500,000. However, we can choose to reduce the account
minimum based on certain criteria. These criteria include anticipated future earnings
capacity, anticipated future additional assets, assets to be managed, related accounts,
account composition, and negotiations with clients.

Stoker Ostler Wealth Advisors Inc.
Form ADV, Part 2A