Wealth Architects LLC

ITEM 5: FEES AND COMPENSATION

ADVISORY FEES

Wealth Management Fees

Wealth Architects charges an annual fee, prorated and charged quarterly, in advance,
based on the market value of the assets in the account(s) on the last day of the previous
quarter. The Firm’s annual fee is exclusive of, and in addition to brokerage commissions,
transaction fees, and other related costs and expenses which shall be incurred by the
client. However, the Firm shall not receive any portion of these commissions, fees, and
costs. The annual fee shall vary (between 0.30% and 0.85%) depending upon the market
value of the assets under management and the type of wealth management services to be
rendered, as follows:

   Value of Account Assets                                   Annual Fee Rate
   Up to 5 million dollars                                      0.85% plus
   Between 5 and 10 million dollars                             0.50% plus
   Above 10 million dollars                                       0.30%

Wealth Architects imposes a minimum annual fee of $25,000 for its standard wealth
advisory offering. We can or will, in our discretion, waive the minimum annual fee or
charge a different minimum fee for clients based upon certain criteria including enhanced
wealth advisory services, anticipated future earning capacity, anticipated future additional
assets, dollar amount of assets to be managed, related accounts, account composition,
pre-existing client, account retention, and pro bono activities. We aggregate all accounts
within a “household” for purposes of assessing the fee. A “household” includes your
spouse, other family members, custodial accounts for minor children who reside with you,
and certain trust assets.

  Form ADV Part 2A                            8

                                                                             March 30, 2026
As stated previously, clients are free to make additions to, and withdrawals from, their
custodial account at any time, subject to the Firm’s right to terminate an account if the
withdrawal renders continued management by the Firm unwarranted given its investment
strategy and other considerations. If assets are deposited into an account after the
inception of a quarter that exceed 10% of the total value of household accounts at the time
of the addition, the fee payable with respect to such assets will be prorated based on the
number of days remaining in the quarter. Clients can withdraw account assets on notice to
the Firm, subject to the usual and customary securities settlement procedures. For partial
withdrawals that exceed 10% of the value of the total value of household accounts on the
date of the withdrawal, the Firm shall credit its unearned fee towards the next quarter’s
fee. However, the Firm designs its portfolios as long-term investments and asset
withdrawals can impair the achievement of a client’s investment objectives.

For the initial quarter of wealth management services, the first quarter’s fees are
calculated on a pro rata basis.

As soon as possible after the end of each calendar quarter, the Firm sends out client
account reports that reflect portfolio holdings, asset allocations and portfolio performance
as of the last business day of the prior quarter. Client portfolios are valued according to
the assets held in the portfolio, the values of which are determined as follows:

  •    Valuations of liquid securities are provided to the Firm by third party custodians (e.g.,
       Schwab or Fidelity) or from third-party pricing services such as Interactive Data
       Corporation, Yahoo Finance or other acceptable service.

  •    To the extent non-liquid investments such as limited partnerships, limited liability
       companies or non-traded real estate investment trusts (REITs) are held in client
       accounts, they are valued at asset values reported by the relevant investment issuer
       or sponsor. If a sponsor does not report a current price, (which typically occurs
       during the initial investment stages of capital investment) then the units or shares
       may be valued at the amount of the original investment.

To the extent the Chief Investment Officer determines that any readily available market
value quotation is not accurate, the Firm will not assess a management fee on that
particular client holding.

At times, and at the discretion of the firm, arrangements can be made for clients to be
billed and remit their fees directly to the Firm. However, we typically require clients, via
their Investment Advisory Agreement, to authorize the custodian of their account(s) to
debit the client’s account for the amount of Wealth Architects’ wealth management fee and
to directly remit that management fee to the Firm. The client’s custodian sends a
statement to the client, at least quarterly, indicating all amounts disbursed from the
account including the amount of management fees paid directly to Wealth Architects. It is
the client’s responsibility to verify the accuracy of the fee calculation, as the custodian will
not determine whether the fee is properly calculated. Clients must discuss any
discrepancy in fees with Wealth Architects within 30 days of the billing date.

  Form ADV Part 2A                             9

                                                                          March 30, 2026

SUB-ADVISORY ARRANGEMENTS AND FEES

The Firm may employ a sub-advisor for your account, available under a separate
agreement from that of Wealth Architects. Subadvisory agreements are evidenced
in writing between the client, subadvisor and the Firm. Subadvisory services are
available for a fee, which is based upon the investment selections made at the
subadvisor level. Subadvisory fees range from 0.25%-0.35% per year of the assets
under management; this is separate and distinct from Wealth Architects’ advisory
fee. Dependent upon the agreement between the parties, the subadvisor will either
...

ITEM 7: TYPES OF CLIENTS

Description

Our clients include individuals and their trusts, estates and retirement plans, pension
and profit-sharing plans and charitable organizations.

Conditions for Managing Accounts

As noted above, Wealth Architects imposes a minimum annual fee of $25,000 for its standard
wealth advisory offering and a $50,000 minimum annual fee for its enhanced wealth advisory
offering. We can or will, in our discretion, waive the minimum annual fee or charge a different
minimum fee for clients based upon certain criteria including anticipated future earning
capacity, anticipated future additional assets, dollar amount of assets to be managed, related
accounts, account composition, pre-existing client, account retention, and pro bono activities.

As noted above, clients can impose reasonable restrictions on investing in certain
securities or other investments. However, there can be times when certain restrictions are
placed by a client, which can prevent Wealth Architects from accepting or continuing to
manage the account. Wealth Architects reserves the right to not accept and/or terminate
management of a client’s account if it feels that the client-imposed restrictions would limit
or prevent the Firm from meeting and/or maintaining its investment strategies.