WBH Advisory Inc

Item 5 – Fees and Compensation
A. Describe how you are compensated for your advisory services. Provide your fee schedule. Disclose whether the
fees are negotiable.

A new WBH client will pay a fee based on an annual percentage of managed assets between 0.45% and 1.2%
depending on various factors described below under the heading “Disclosure Applicable to All Offerings”. Historically,
fees charged to WBH clients can be either a fixed fee, or a fee based on an annual percentage of managed assets
ranging from 1.75% to 0.10% per year.

Financial Planning only clients pay a fee based on a fixed-fee, which is determined by WBH after it obtains an initial
understanding of the client’s financial situation. The fee for a new financial planning client is $6,000 for an initial
financial plan. The fee for a follow-up planning engagement is $3,000. Fees for financial planning may differ from the
stated fee depending on the complexity of the client’s situation.

Please Note: Conflict of Interest. WBH compensates certain of its representatives based upon the revenues derived
from accounts that they service [in addition to a base salary]. Other employees are compensated by a percentage
of advisory fees in accordance with clients introduced to the firm. The representative generally maintains the
authority to determine/negotiate the percentage advisory fee, subject to approval by the Chief Compliance Officer.
Thus, a conflict of interest is presented because the higher the advisory fee, the greater the representative’s (and
WBH’s) compensation.

Disclosure Applicable to All Offerings

Fee Dispersion. WBH, in its discretion, may charge a lesser investment advisory fee, charge a flat fee, waive its fee

entirely, or charge fees on a different interval, based upon certain criteria (i.e. anticipated future earning capacity,
anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition,
complexity of the engagement, anticipated services to be rendered, grandfathered fee schedules, employees and
family members, courtesy accounts, competition, negotiations with client, etc.). Please Note: As result of the above,
similarly situated clients could pay different fees. In addition, similar advisory services may be available from other
investment advisers for similar or lower fees. ANY QUESTIONS: WBH’s Chief Compliance Officer, Marc Hertzberg,
remains available to address any questions that a client or prospective client may have regarding advisory fees.

WBH may charge a higher advisory fee for the equity than fixed income portions of certain client portfolios. In these
types of arrangements, WBH has an incentive to recommend a higher allocation of equity investments than fixed
income investments. WBH does not intend to act, and does not believe it acts, on any such incentive. Although WBH
will allocate client assets consistent with the client’s designated investment objective, the fact that WBH earns a
higher fee for management of equity vs. fixed income investments presents a conflict of interest since it will present
an economic incentive to allocate more assets to those types of securities from which it will earn a higher advisory
fee. WBH’s Chief Compliance Officer, Marc Hertzberg, remains available to address any questions regarding this
conflict of interest.

Please Also Note: For new clients after January 1, 2026, WBH charges a minimum quarterly advisory fee of $1,500.In
the event that the client is subject to an annual minimum fee, the client could pay a higher percentage fee than
referenced above or in the specific fee schedule provided to the client. Please note WBH may waive or adjust this
minimum at its discretion. ANY QUESTIONS: WBH’s Chief Compliance Officer, Marc Hertzberg, remains available to
address any questions that a client or prospective client may have regarding advisory fees.

Use of Margin and Loans from Account Custodian: WBH does not recommend the use of margin for investment
purposes. However, from time to time, clients may determine to accept loans or use margin made available by their
account’s custodian. In either scenario, the client will generally be required to post collateral to secure the loan or
the use of margin and will pay interest on the borrowed money. The account managed by WBH will typically be used
as that collateral. If the securities in the client’s account decline in value, so does the value of the collateral supporting
the margin loan or the loan, and as a result, the client’s custodian may take action, such as issue a margin call and/or
sell securities in the account, in order to maintain the required equity.

In calculating its advisory fee, WBH includes the total absolute value of the securities in the client’s account, long or
short, plus all credit balances, with no offset for any margin or debit balances, unless it agrees to other arrangements
with a client.

WBH therefore is conflicted when it (i) recommends that clients take loans from their account custodians, (ii)
recommends that clients use and continue using margin, and (iii) when recommending an account custodian as a
lender to clients, because in each instance, WBH could otherwise suggest that the client sell securities in their
account. Clients remain solely responsible for determining whether to use or continue using margin or taking loans
from their account custodian. Our Chief Compliance Officer, Marc Hertzberg, remains available to address any
questions that a client of prospective client may have regarding the use of margin.

B. Describe whether you deduct fees from clients’ assets or bill clients for fees incurred. If clients may select either
method, disclose this fact. Explain how often you bill clients or deduct your fees.

WBH both deducts fees from clients’ accounts and bills clients for fees incurred, and clients may select either method.
By mutual agreement, client billings or fee deductions occur quarterly.
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Item 7 – Types of Clients

Describe the types of clients to whom you generally provide investment advice, such as individuals, trusts,
investment companies, or pension plans. If you have any requirements for opening or maintaining an account,
such as a minimum account size, disclose the requirements.

WBH provides investment advice to individuals, trusts, retirement plans, non-profit and charitable organizations,
corporations, partnerships, and LLCs. WBH does not have a minimum account size. For clients that engage WBH after
January 1, 2026, WBH charges a minimum advisory fee of $6,000 to managed account clients. Thus, in the event that
the client is subject to an annual minimum fee, the client could pay a higher percentage fee than referenced above.
Certain legacy client relationships are not subject to this fee minimum. WBH, in its sole discretion, may waive or
reduce its minimum fee requirement based upon certain criteria (i.e. anticipated future earning capacity, anticipated
future additional assets, dollar amount of assets to be managed, related accounts, account composition, negotiations
with client, etc.). Please Note: Similar advisory services may be available from other investment advisers for similar
or lower fees. ANY QUESTIONS: WBH’s Chief Compliance Officer remains available to address any questions that a
client may have regarding its advisory fee schedule.