Tide Cove Capital Partners LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for the services described herein shall be required to enter into a written
agreement with the Advisor.

A. Fees for Advisory Services
Wealth Management Services
Investment advisory fees are paid quarterly in arrears of each quarter pursuant to the terms of the investment advisory
agreement. Investment advisory fees are based on the market value of assets under management at the end of the
calendar quarter. Investment advisory fees range up to 1.25% annually and are based on several factors, including:
the scope and complexity of the services to be provided; the level of assets to be managed; and the overall
relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio
restrictions and other complexities may be charged a higher fee. Certain Clients may be offered a fixed annual fee
not to exceed the fee range described above.

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
Tide Cove will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s
valuation to ensure accurate billing.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Investment Consulting Services
Tide Cove Capital offers investment consulting services at an hourly rate up to $300 per hour. Fees may be negotiable
based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An
estimate for total hours and overall costs will be provided to the Client prior to engaging for these services.

B. Fee Billing
Wealth Management Services
Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at
the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted
from the Client’s account[s] at the respective quarter end date. The amount due is calculated by applying the quarterly
rate (annual rate divided by 4) to the total assets under management with Tide Cove Capital at the end of each
quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the
investment advisory fee. Clients are urged to also review and compare the statement provided by the Advisor to the
brokerage statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide
written authorization permitting advisory fees to be deducted by Tide Cove Capital to be paid directly from their
account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided
by the Custodian.

Investment Consulting Services
Fees for standalone investment consulting services are invoiced monthly in arrears by the Advisor. The Advisor shall
send an invoice to the Client indicating the amount of fees that are due at the respective month end date. The Client
shall pay via check or ACH.

C. Other Fees and Expenses
Clients may incur certain fees or charges imposed by third parties, other than Tide Cove Capital, in connection with
investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities
execution fees charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge
securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms
                                             Tide Cove Capital Partners LLC
                                        4629 Cass Street #298, San Diego, CA 92109
                                                  Phone: (858) 224-3507

                                                 www.tidecovecapital.com

and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds
and other types of investments. The fees charged by Tide Cove Capital are separate and distinct from these custody
and execution fees.

In addition, all fees paid to Tide Cove Capital for investment advisory services are separate and distinct from the
expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are
described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for
the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a
possible distribution fee. A Client may be able to invest in these products directly, without the services of Tide Cove
Capital, but would not receive the services provided by Tide Cove Capital which are designed, among other things,
to assist the Client in determining which products or services are most appropriate for each Client’s financial situation
and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by
Tide Cove Capital to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for
additional information.

D. Advance Payment of Fees and Termination
Wealth Management Services
Tide Cove Capital may be compensated for its wealth management services at the end of the quarter after services
...

Item 7 – Types of Clients

Tide Cove Capital offers investment advisory services to individuals, high net worth individuals, Native American
tribes, various sovereign pools of capital, and other institutions. Tide Cove Capital generally does not impose a
minimum relationship size.

                                              Tide Cove Capital Partners LLC
                                         4629 Cass Street #298, San Diego, CA 92109
                                                   Phone: (858) 224-3507

                                                  www.tidecovecapital.com