Wavvest Wealth LLC

ITEM 5. FEES AND COMPENSATION

Fees for Direct Clients
Direct clients pay an advisory fee to Wavvest pursuant to the terms of their investment advisory
agreement with the Firm. The fee schedule for Direct Clients may vary depending on factors
such as:
   – account size
   – complexity of services

   – scope of financial planning services

Specific fee arrangements are disclosed in each client's advisory agreement.
The annualized fee for investment supervisory services for direct clients is typically charged as a
percentage of assets under management, ranging up to 1.50% per annum. The specific manner
in which fees are charged to a client is established in the applicable client’s advisory agreement.
All client assets are held by a qualified custodian. The firm may invoice a client for its fees, but
more typically fees are debited directly from the client’s account by the custodian in accordance
with the client authorization. Fees are typically billed monthly in advance. If the advisory
agreement is executed at any time other than the first day of a calendar month or terminated
prior to the end of a calendar month, the advisory fees will apply on a pro rata basis. Any
prepaid but unearned fees will be refunded by the firm.
A client’s custodian will generally determine the market value of the investments in a client’s
portfolio. If the custodian is unable to determine a market value for an investment, the firm will
provide a fair valuation. To the extent the firm provides a fair value for an investment, the firm
has a conflict of interest as its advisory fee will be based on such valuation.
Asset-based fees subject the firm to a potential conflict of interest in that the more assets there
are in your advisory account, the more you will pay in fees, and thus the firm has an incentive to
encourage you to increase the assets in the account. Neither the firm nor its supervised persons
receives compensation, including asset-based sales charges or service fees from mutual funds,
for the sale of securities or other investment products.
We retain discretion to negotiate alternative fees, including fixed or hourly fees, on a client-by-
client basis. Client facts, circumstances and needs are considered in determining the fee
schedule. These include the complexity of the client, assets to be placed under management,
anticipated future additional assets, related accounts, portfolio style, account composition and
reports, among other factors. Certain accounts of persons affiliated with the firm or its affiliates
may be managed without fees or at reduced fees.
We may group certain related client accounts for the purposes of achieving the minimum
account size requirements and determining the annualized fee.
Financial Planning Fees and Optional Estate Planning Services
Basic financial planning services are included in Wavvest’s overall investment management fee,
which is charged as a percentage of client assets under management.
In addition to these services, Wavvest may recommend that clients take advantage of an
optional self-preparation will or trust software-as-a-service (SaaS) platform provided by a
third-party vendor. This service is available at an additional flat fee of up to $2,500, which is paid
directly by the client. Wavvest receives this fee for providing access to the platform.
Clients are under no obligation to purchase or use this service and may choose to work with an
attorney or other provider of their choice for estate planning needs.
Direct clients of Wavvest should review their advisory Agreement for details regarding the
Advisor's fees.

Conflicts of Interest Related to Asset-Based Fees
Wavvest's management fee is based on assets under management, which creates a conflict of
interest because Wavvest has an incentive to increase the amount of assets managed on its

platform, as higher asset levels result in higher fees. Wavvest does not receive commissions or
sales charges for the sale of securities or other investment products.

Additional Fees and Expenses
Wavvest's advisory fees are exclusive of other costs that may be incurred by clients, including:
   –   brokerage commissions
   –   custodial fees
   –   transaction costs
   –   wire transfer fees
   –   fund expenses
   –   third-party manager fees

Clients investing in mutual funds, ETFs, closed-end funds or other pooled investment vehicles
will indirectly bear the internal expenses of those investment vehicles, which are described in
the applicable prospectuses or offering documents. Lower fees for comparable services may be
available elsewhere.

Fee Flexibility and Waivers
Wavvest reserves the right, in its sole discretion, to waive or reduce its management fees or to
offer alternative pricing arrangements. Fee variations may be based on factors such as overall
relationship size, anticipated asset growth, or strategic partnerships. Any such arrangements
will be disclosed to affected clients as required on their advisory agreement.

Wavvest Management Fees – Third-Party Advised Clients
For Third-Party Advised Clients, Wavvest receives a management fee for portfolio management
services provided under the Sub-Advisory Agreement. The fee is generally calculated based on
the aggregate assets under management of the Participating Adviser's clients on the Wavvest
platform, rather than on a client-by-client basis.

Billing Practices and Fee Authorization
Fees for Third-Party Advised Clients accrue daily and are generally billed monthly in arrears.
Third-Party Advised Clients also pay a separate advisory fee to their Participating Adviser under
their advisory agreement with that adviser. Wavvest does not receive any portion of that
advisory fee unless otherwise disclosed.
Fees are typically debited directly from client accounts by a qualified custodian in accordance
with the client's written authorization. Client assets are maintained with a qualified custodian.
...

ITEM 7. TYPES OF CLIENTS
Wavvest provides investment advisory services to a variety of clients through both direct
advisory relationships and sub-advisory arrangements with other registered investment
advisers.
In certain cases, individuals, trusts, and other legal entities receive advisory services from
Wavvest in conjunction with an independent registered investment adviser (the “Participating
Adviser”). In these arrangements, clients maintain their primary advisory relationship with the
Participating Adviser and receive portfolio management services from Wavvest pursuant to a
sub-advisory or similar agreement. Clients utilizing this structure are referred to as “Third-Party
Advised Clients.”
Wavvest also provides advisory services directly to clients (“Direct Clients”), including
individuals, families, trusts, businesses, and other legal entities. These clients engage Wavvest
directly for discretionary investment management and, where applicable, financial planning
services.
Clients served by Wavvest may include, but are not limited to:
   –   Individuals
   –   High net worth individuals and families
   –   Trusts and estates
   –   Businesses and family-owned enterprises
   –   Charitable organizations
   –   Corporations and other legal entities

Wavvest does not generally impose minimum account size requirements for opening or
maintaining an account. However, certain third-party advisers, investment strategies, or
investment vehicles utilized through the platform may impose minimum investment amounts or
eligibility requirements. Clients should review their advisory agreement and applicable
investment documentation for details regarding any such requirements.