White Sand Wealth Management LLC

Item 5: Fees and Compensation
Please note, unless a client has received the firm’s Disclosure Brochure at least 48 hours prior
to signing the investment advisory contract, the investment advisory contract may be terminated
by the Client within five (5) business days of signing the contract without incurring any advisory
fees. How we are paid depends on the type of advisory service we are performing. Please
review the fee and compensation information below.
Investment Management Services (WSWM Manages)
Our standard advisory fee is based on the market value of the assets under management and is
calculated as follows:
Account Value Annual Advisory Fee
                                      $0 - $1,000,000 1.00%
                                  $1,000,001 - $2,000,000 0.75%
                                  $2,000,001 - $3,000,000 0.60%
                                  $3,000,001 and Above 0.50%
The annual fees are negotiable and are pro-rated and paid in arrears on a monthly basis. The
advisory fee is a blended fee and is calculated by assessing the percentage rates using the
predefined levels of assets as shown in the above chart and applying the fee to the account
value as of the last business day of the month.
As an example, the annual fee on the management of $2,0000,000 would be $17,500 The fee is
calculated as follows: ($1,000,000 x 1.00% = $10,000) + ($1,000,000 x 0.75% = $7500) =
$17,500 (0.875% of Assets Under Management). The monthly fee would be $1,458.33.
No increase in the annual fee shall be effective without agreement from the Client by signing a
new agreement or amendment to their current advisory agreement.
Advisory fees are directly debited from Client accounts, or the Client may choose to pay by
check. Accounts initiated or terminated during a calendar month will be charged a pro-rated fee
based on the amount of time remaining in the billing period. An account may be terminated with
written notice at least 30 calendar days in advance. Since fees are paid in arrears, no refund will
be needed upon termination of the account.

When a Third-Party Manager is used, the Third-Party Manager will debit the Client’s account for
both the Third- Party Manager’s fee, and WSWM’s advisory fee, and will remit WSWM’s fee to
WSWM. Please note, the above fee schedule does include the Third-Party Manager’s fee. No
increase in the annual fee shall be effective without agreement from the Client by signing a new
agreement or amendment to their current advisory agreement.
Accounts initiated or terminated during a calendar month will be charged a pro-rated fee based
on the amount of time remaining in the billing period. An account may be terminated with written
notice at least 30 calendar days in advance. An account may be terminated with written notice
at least 30 calendar days in advance. Since fees are paid in arrears, no refund will be needed
upon termination of the account.
Ongoing Financial Planning
Ongoing Financial Planning consists of an ongoing fee that is paid monthly, in advance, at the
rate of $250-$3,000, depending on complexity and needs of the client, per month. The fee may
be negotiable in certain cases. Fees for this service may be paid by electronic funds transfer or
check. Due to the level of work conducted at the beginning of this service, a 12-month
commitment is required. Once the service enters its thirteenth month, this service may be
terminated with 30 days’ notice. Upon termination of any agreement, the fee will be prorated,
and any unearned fee will be refunded to the Client.
Project Based Financial Planning Fixed Fee
Financial Planning can be offered on a fixed fee basis. The fixed fee will be agreed upon before
the start of any work. The fixed fee can range between $3,000 and $5,000. The fee is
negotiable. If a fixed fee program is chosen, half of the fee is due at the beginning of the
process and the remainder is due at completion of work, however, WSWM will not bill an
amount above $500.00 more than 6 months in advance. Fees for this service may be paid by
electronic funds transfer or check. In the event of early termination any prepaid but unearned
fees will be refunded to the Client and any completed deliverables of the project will be provided
to the Client and no further fees will be charged.
Financial Planning Hourly Fee
Hourly Financial Planning engagements are offered at an hourly rate of $250 per hour,
depending on complexity. The fee may be negotiable in certain cases and is due at the
completion of the engagement. In the event of early termination by the Client, any fees for the
hours already worked will be due. Fees for this service may be paid by electronic funds transfer
or check.
Other Types of Fees and Expenses
Our fees are exclusive of brokerage commissions, transaction fees, and other related costs and
expenses which may be incurred by the Client. Clients may incur certain charges imposed by
custodians, brokers, and other third parties such as custodial fees, deferred sales charges, odd-
lot differentials, transfer taxes, wire transfer, and electronic fund fees, and other fees and taxes
on brokerage accounts and securities transactions. Mutual fund and exchange-traded funds
also charge internal management fees, which are disclosed in a fund's prospectus. Such
charges, fees, and commissions are exclusive of and in addition to our fee, and we shall not
receive any portion of these commissions, fees, and costs.

Item 12 further describes the factors that we consider in selecting or recommending broker-
dealers for Client’s transactions and determining the reasonableness of their compensation
(e.g., commissions).
We do not accept compensation for the sale of securities or other investment products including
asset-based sales charges or service fees from the sale of mutual funds.

Item 7: Types of Clients
We provide financial planning and portfolio management services to individuals, high net-worth
individuals, pension and profiting sharing plans and corporations or other businesses.
Our minimum account size requirement is $250,000.