World Investment Advisors LLC

Item 5 – Fees and Compensation
WIA Wealth
The specific manner in which fees are charged by the Firm is established in a client’s written agreement
(“Agreement”). Fees, for accounts custodied at Schwab, are generally based on a percentage of assets
under management as of the last day in the previous month, calculated at an annual rate and billed
monthly in advance based on the number of days in that particular month. If the account is custodied at
Fidelity the fees are generally based on a percentage of assets under management as of the last day in the

previous month, calculated at an annual rate, divided by 12 and billed monthly in advance. In some
instances, other methodologies for calculations of fees (i.e., fees payable in arrears or on a quarterly basis)
may be employed and will be specifically outlined in the client’s Agreement. WIA IARs may also use a
custodian other than Schwab or Fidelity, which will be made clear to the client prior to any accounts being
opened. Fees are based on the assets in the account, will never exceed 3.00% and in some instances, may
be negotiated. WIA may be under a flat-fee or tiered structure as described in more detail in the client
Agreement.

The firm, in its sole discretion, may waive or charge a lesser investment advisory fee based upon certain
criteria (e.g., historical relationship, type of assets, anticipated future earning capacity, anticipated future
additional assets, dollar amounts of assets to be managed, related accounts, account composition,
negotiations with clients, etc.).

If a client’s Agreement becomes effective as of a day other than the first day of a billing period or if a
termination of a client’s Agreement is effective on a day other than the last day of a billing period, the Fees
for that billing period shall be prorated (calculated on a per diem basis) and the applicable amount
promptly paid by Client to WIA or refunded by WIA to Client, as the case may be. Fees will be deducted
from the account directly unless the Client requests to be billed separately. Generally, no further proration
is done for additions or withdrawals made during the fee period.
Fees may be reduced or waived for WIA employees.
Financial Planning
WIA may charge a fixed agreed upon rate or an hourly rate for any agreed upon financial planning work.
This rate may vary depending on the requested task; however, the client will be provided with an estimate
in advance. In some instances, clients may elect to engage in ongoing financial planning for which an
ongoing fee will be charged. In these instances, the client will be notified in advance of the cost of the
ongoing financial planning, and details about the recurring fee will be specifically outlined in the client’s
Agreement.
Financial planning fees will be charged at an agreed upon fixed fee, generally ranging from $1,000 to
$5,000, or on an hourly basis, generally ranging from $100 to $275 per hour, depending on the nature and
complexity of each client's circumstances. In certain instances, financial planning fees may exceed these
rates, typically in cases of highly complex circumstances. The firm may also, in its sole discretion, waive or
charge a lesser financial planning fee based upon certain criteria (e.g., historical relationship, anticipated
future earning capacity, anticipated future additional assets, related accounts, negotiations with clients,
etc.). When charging an hourly financial planning fee, an estimate for the total hours will be determined
at the start of the advisory relationship. Up to 50% of the estimated fee may be due upon signing the
Agreement, with the balance (based on actual hours) due upon presentation of the plan to the client.
Typically, the financial plan will be presented to the client within 90 days of the contract date, provided
that all of the relevant information needed to prepare the financial plan has been promptly provided by
the client. The client may terminate its arrangement at any time, in writing, and will be refunded a portion
of the fee based upon a pro-rated calculation related to the time and expense expended by the firm.
WorldMAP-Related Fees and Conflicts of Interest
Program Fee. WIA charges a Program Fee on all accounts managed in the WorldMAP program (“Program
Fee”). From the Program Fee, WIA pays a variety of types of fees to VAS, such as asset-based fees for
access to technology, model trading services, back-office services such as account setup and maintenance,

and fees for other services provided under WIA’s agreements with Vestmark and VAS. However, the fees
payable to Vestmark and VAS will be less than the Program Fee, meaning that a portion of the Program
Fee will be retained by WIA. This creates an incentive for WIA to recommend participation in the
WorldMAP program, which presents a conflict of interest. This conflict of interest is mitigated through
disclosure to clients and by assuring that all client recommendations are made in the client’s best interest,
considering all relevant factors, including fees.
The way in which WIA compensates our advisors represents an additional conflict of interest with respect
to possible recommendations to participate in the WorldMAP program. Specifically, our advisors typically
receive a portion of the investment advisory fees WIA receives for management of our clients’ accounts.
But an amount equal to the Program Fee will be deducted from the advisory fee prior to calculating the
portion of the fee that the advisor would otherwise receive. That means that an advisor has a disincentive
to recommend participation in the WorldMAP Program because he or she will receive less compensation
for participating accounts.
Additionally, if the advisor does recommend the WorldMAP program to a client, he or she has an incentive
to raise the client’s investment advisory fee for that client by the amount of the Program Fee, so that the
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Item 7 – Types of Clients
WIA provides advisory services to Individuals and Retirement Plans including, 401(k) Plans, 403(b) Plans,
pensions and profit-sharing plans, non-qualified plans, foundations, endowments, corporations, or other
businesses not listed above. For Wealth Clients, Adviser generally does not require a minimum account
size but may impose a minimum annual consulting fee.
Certain Third-Party Money Managers may require a higher minimum account size as disclosed in the
individual manager’s Firm Brochure. Under certain circumstances, the minimum may be waived, including
related accounts that may be combined to meet the minimum if the services involved may otherwise be
provided.