Westover Capital Advisors LLC

Item 5: Fees and Compensation
WCA offers advisory services on a fee basis. Our fees are based on assets under management
(“AUM”) (most typical and two-tiered, depending on whether the client has one million dollars or more
for us to manage or less), fixed on a per-assignment basis or hourly.

INVESTMENT MANAGEMENT, WEALTH ADVISORY

Our annual fees for Investment Management and Wealth Advisory Services are based upon a
percentage of assets under management according to the schedule below and generally range from
0.75% to 1.5%. AUM (Assets Under Management) fee applies to assets directly managed by Westover Capital
Advisors, LLC. Special Advisory Services are charged a separate fee dependent on the complexity of the
assignment.

+Wealth Advisory Services are provided without charge for clients with at least $1,000,000 AUM and for an agreed
upon fixed fee for clients with less than $1,000,000 AUM. We also reserve the right to charge all clients, regardless
of AUM, an agreed upon fee commensurate with the services performed and the responsibility undertaken when
asked to provide extraordinary wealth advisory services.

Westover Capital Advisors may, but is not required to, group certain related client accounts for the
purposes of achieving the minimum account size and determining the annualized fee.

LIMITED NEGOTIABILITY OF ADVISORY FEES

Although Westover Capital Advisors, LLC has established the aforementioned fee schedule, we retain
the discretion to modify it at any time. In addition, we have the right to negotiate alternative 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’s needs, assets to be placed under management,
anticipated future additional assets, related accounts, portfolio style, account composition, required
reporting, as well as our wealth management advice rendered to our client regarding financial

 Part 2 of Form ADV: Firm Disclosure Brochure & Supplements

planning, estate planning, charitable planning, tax planning and retirement planning and the like.
Certain clients may be grandfathered in with fees that are different than as outlined in this section.
The specific annual fee schedule is identified in the contract between WCA and each client.

Discounted fees, which are not generally available to our advisory clients may be offered to family
members and friends of associated persons of our firm. Westover Capital Advisors, LLC reserves the
right to accept or not accept a client or account, at its sole discretion.

FEES BILLED IN ADVANCE OR ARREARS

Our advisory fees are charged in one of two ways, in advance for managed accounts and a portion
of the fee in arrears for Financial Planning and Consulting engagements as agreed upon in writing with
the client. All new client accounts are billed in advance.

In advance: Advisory fees are billed in advance at the beginning of each calendar quarter based
upon the asset value (fair market value, plus any material credit balance or minus any material debit
balance), of the client's account at the last trading day of each period as set forth in the client’s
Schedule of Fees.

Our billing system calculates accrued interest and WCA bills on accrued interest. This is an important
note for clients as the qualified custodian’s statements may not show the adjusted interest payment.

When authorized in writing by the client, fees are debited by the qualified custodian from the account
in accordance with the terms set forth in the Investment Management Agreement.

CONSULTING AND OTHER FINANCIAL PLANNING SERVICES FEES

Financial planning fees and consulting fees are separately negotiated with each client. WCA’s
financial planning and consulting fees will either be a fixed fee or will be billed on an hourly basis. This
fee will be determined based on the nature of the services being provided and the complexity of the
client’s circumstances. All fees for Financial Planning and Consulting, whether fixed or hourly, are
agreed upon prior to entering into the engagement with the client. Clients are given an estimate of
the fee for the specific services and may, at our election, be asked to provide a retainer of up to fifty
percent of the estimated fee prior to the undertaking. The remaining amount of fees are billed in
arrears upon the delivery of the financial plan or at the completion of the engagement.

Those persons who subsequently engage our firm for ongoing Investment Management and Wealth
Advisory services and who are provided continuous consulting advice as part of our portfolio
management services may have their financial consulting fees waived at WCA’s sole discretion.

There is no minimum fee for our financial consulting services and under no circumstances do we
require or solicit payment of fees in excess of $1,200 more than six months in advance of such services
being rendered.

TRUST SERVICES AND BILL PAYING SERVICES FEES

Trust services and bill paying services are separately negotiated and agreed upon in writing prior to
the start of the service with the respective clients. These services may be billed separately or there may
be an additional service added as an accommodation for certain clients at WCA’s sole discretion.

FOUNDATION SERVICES FEES

 Part 2 of Form ADV: Firm Disclosure Brochure & Supplements

WCA negotiates foundation services fees directly with the foundation, based upon the size and
complexity of the services being provided. These fees are generally negotiated in either as a
percentage of assets under management or based on a fixed fee which may include administrative
fees. Foundations can also have additional administrative support services fees that are not part of the
investment advisory fee. In all cases, fees are fully disclosed in writing, and separately negotiated with
the foundation prior to accepting the arrangement.

GENERAL INFORMATION

ACCOUNT ADDITIONS AND WITHDRAWALS
...

Item 7: Types of Clients
Westover Capital Advisors, LLC provides advisory services to Individuals (a person with less than $1
million in investable assets), High Net-Worth individuals (a person with investable assets in excess of $1
million), Ultra Ultra-High Net-Worth individuals (a person with investable assets in excess of $30 million or

 Part 2 of Form ADV: Firm Disclosure Brochure & Supplements

Family Offices), Pension and Profit-sharing Plans (other than the participants), Charitable Organizations
and Foundations.

Westover Capital Advisors, LLC has no stated minimum fees or minimum account requirements.