Tamarisk Financial LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client shall sign one or more agreements that detail the responsibilities of Tamarisk and the Client.

A. Fees for Advisory Services
Investment Management Services
Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Investment advisory fees are computed using the fee schedule in the Client

                                                Tamarisk Financial, LLC
                                        301 Hoover Blvd. Suite 300 Holland MI 49423
                                         Phone: (616) 820-1040 Fax: (616) 205-9250
                                                https://tamariskf inancial.com

Agreement and the market value of assets under management on the last day of the previous quarter, including
cash, accrued interest, accrued dividends, and securities purchased on margin, using the following guidelines:
(a) cash and cash equivalents are valued at their dollar value; (b) marketable securities are valued at the current
market price provided by the custodian; and (c) private investment funds and securities for which there is no
active market are valued at the most recent valuation provided by the sponsor or the initial investment cost, as
applicable. Investment advisory fees range from 0.25% to 2.50% based on several factors, including, but not
limited to: the services offered to the Client, the complexity of the services to be provided, the level of Client
assets managed by the Advisor, and/or the overall relationship with the Advisor.

The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by
WMA will be independently valued by the Custodian.

Clients may make additions to and withdrawals from their account[s] at any time, subject to WMA’s right to
terminate an account. Additions may be in cash or securities provided that WMA reserves the right to liquidate any
transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw
account assets on notice to WMA, subject to the usual and customary securities settlement procedures. However,
WMA designs its portfolios as long-term investments and the withdrawal of assets may impair the achievement of
a Client’s investment objectives. WMA may consult with its Clients about the options and ramifications of
transferring securities. However, Clients are advised that when transferred securities are liquidated, they may be
subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or
tax ramifications.

Use of Independent Managers
For Clients referred by the Advisor to an Independent Manager, the Client’s fee may be separately billed or deducted
from the Client’s account[s] by the Independent Manager, as mutually agreed.

Financial Planning Services
WMA typically includes financial planning services as part of a wealth management engagement and fee. WMA also
offers its services on a stand-alone basis at hourly rate beginning at $250/hour or a fixed engagement fee. Fees
may be negotiable based on the nature and complexity of the services to be provided and the overall relationship
with the Advisor. Fixed fee engagements are negotiated based on the expected number of hours to complete an
engagement at the Advisor’s hourly rate. An estimate for total hours and/or total costs will be provided to the Client
prior to engaging for these services.

Retirement Plan Advisory Services Fees
Fees for retirement plan advisory services are charged an annual asset-based fee of up to 2.50%, in advance of
each calendar quarter, pursuant to the terms of the agreement. Retirement plan fees are based on the market value
of assets under management at the end of the prior calendar quarter. Fees may be negotiable depending on the
size and complexity of the Plan.

Tamarisk Family Office Fees
The specific manner in which fees are charged by TFO are established in each respective Agreement. Depending
on the terms of the Agreement, TFO may agree to provide its Financial Planning or Family Office/Special Project
services on either an hourly and/or fixed fee basis, or on the basis of assets under management. Generally TFO
requires a retainer for its family office services (estimated hourly or fixed). TFO’s family office fees are negotiable
but generally range from $10,000 to $500,000 on an annual fixed fee basis, $250 to $800 on an hourly rate basis
and/or .25% to 1.5% of assets under advisement depending upon the level and scope of the services and the
professional rendering the services. Calculations for the initial fee/retainer may be estimates based on the

                                                 Tamarisk Financial, LLC
                                         301 Hoover Blvd. Suite 300 Holland MI 49423
                                         Phone: (616) 820-1040 Fax: (616) 205-9250
                                                 https://tamariskf inancial.com

projected assets under management or on projected time and materials required for certain non-investment related
family office services, such as tax return preparation.

Tamarisk Capital Management
When the Advisor recommends the use of pooled investment vehicles managed by Tamarisk Capital Management,
an SEC registered investment adviser under common ownership with Tamarisk, a conflict of interest exists because
Tamarisk receives a financial benefit for investments in these pooled investment vehicles. The conflict is mitigated,
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Item 7- Types of Clients

A. Advisory Services Offered

WMA offers investment advisory services designed to meet the needs of individuals, high net worth individuals,
family offices, trusts, estates, charitable organizations and businesses. WMA does not impose a minimum account
or relationship size.

TFO offers investment advisory services designed to meet the needs of high net worth individuals, trusts, estates,
charitable organizations, family offices and businesses.