White Oaks Wealth Advisors Inc

ITEM 5

     Service	                                                                       Cost

     Investment	Management	Fees	                                                    0.90%	annual	fee	for	the	White	Oaks	Aggressive	Growth
     Private	Funds	                                                                 Fund,	White	Oaks	Alternative	Strategies	Fund,	White	Oaks
     Fully	diversified,	proprietary	portfolios	available	to	                        Moderate	Growth	Fund	and	White	Oaks	Low	Volatility
     accredited	investors.	                                                         Strategy	Fund

                                                                                    0.75%	annual	fee	and	10%	incentive	fee	for	the	White	Oaks
                                                                                    Flexible	Strategies	Fund

                                                                                    See	offering	memorandums	for	additional	details.

     Core	Funds	                                                                    1.00%	annual	fee.	 Negotiable	above	$10,000,000	under
     Fully	diversified	mutual,	index	and	exchange	traded	fund	                      management.	White	Oaks	may,	at	its	sole	discretion,
     portfolios	for	accredited	or	non-accredited	investors.	                        charge	a	lesser	fee	based	upon	certain	criteria	(including,
                                                                                    but	not	limited	to,	historical	relationship,	familial
                                                                                    relationship	to	an	existing	client,	type	of	assets,	anticipated
                                                                                    future	deposits,	account	composition,	etc.).

                                                                                    See	advisory	agreement	for	additional	details.

     External	Accounts	                                                             1.25%	annual	fee.	 White	Oaks	may,	at	its	sole	discretion,
     Management	solution	for	active	retirement	accounts,	                           charge	a	lesser	fee	based	upon	certain	criteria	(including,
     such	as	401Ks,	403Bs,	etc.	                                                    but	not	limited	to,	historical	relationship,	familial
                                                                                    relationship	to	an	existing	client,	type	of	assets,	anticipated
                                                                                    future	deposits,	account	composition,	etc.).

                                                                                    See	advisory	agreement	for	additional	details.

     Financial	Planning	included	with	Ongoing	Investment	                           Financial	planning	is	included	with	our	investment
     Management	                                                                    management	services	for	those	clients	with	at	least
                                                                                    $2,000,000	under	White	Oaks	management.	White	Oaks
                                                                                    may,	at	its	sole	discretion,	offer	financial	planning	to	clients
                                                                                    with	less	than	this	based	upon	certain	criteria	(including,
                                                                                    but	not	limited	to,	historical	relationship,	familial
                                                                                    relationship	to	an	existing	client,	type	of	assets,	anticipated
                                                                                    future	deposits,	account	composition,	etc.).

     Initial	Financial	Planning	Project	                        	   	               Subject	to	a	$7,500	minimum,	with	an	estimate	based	on
                                                                                    individual	circumstances	and	complexity,	quoted	in	advance.

	   ©	2026	White	Oaks	Wealth	Advisors,	Inc.	All	rights	reserved.

    Form	ADV	Part	2A	—	Brochure	                                                                                                       7

     Wealth	Management	                                                 Subject	to	a	$20,000	minimum	fee

     Retainer	for	services	such	as	maintenance	of	financial	plan,
     wealth	strategy	and	investment	management.

     Family	Office	Services	                                            Retainers	quoted	in	advance,	depending	on	complexity	and
     See	Item	4	on	page	4	                                              desired	level	of	service.	 Subject	to	$25,000	annual
                                                                        minimum	fee.	White	Oaks	may,	at	its	sole	discretion,
                                                                        charge	a	lesser	fee	based	upon	certain	criteria	(including,
                                                                        but	not	limited	to,	historical	relationship,	familial
                                                                        relationship	to	an	existing	client,	type	of	assets,	anticipated
                                                                        future	deposits,	account	composition,	etc.).

    ITEM 6                                                                 Morgan,	Merrill	Lynch,	Goldman	Sachs,	RBC	and	many
    White	Oaks	does	not	charge	performance	fees.	                          others.

                                                                           White	Oaks	clearly	recognizes	the	intent	of	these	large
    ITEM 7                                                                 firms	is	to	serve	as	an	inducement	to	use	their	products
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