Shearwater Capital is a fee-only investment advisory
    firm, which means that our compensation is based solely
    on the amount of funds under management. There are
    two main advantages to a fee-only approach:

1. Unlike many financial firms, we receive no compensation from the fund companies or investment vehicles we select for our clients. As a result, we are free to select the best investments for our clients in a completely independent manner.

2. The fee-only approach aligns your advisor's interests with your own. Since our compensation is directly linked to the size of your account, we have a financial incentive for the account to grow as large as possible. We also have an incentive to minimize your transaction costs, tax liabilities and anything else that might hinder the growth of your account.

Account Size	Annual Fee
Less than $100,000	0.85%
$100,000 - $250,000	0.75%
$250,000 - $500,000	0.65%
$500,000 - $1,000,000	0.55%
$1,000,000 - $2,500,000	0.45%
$2,500,000 - $5,000,000	0.35%
$5,000,000 - $10,000,000	0.25%
More than $10,000,000	0.15%

The annual fees quoted above apply to the total value of all accounts that a client has with Shearwater Capital. In other words, if a client has an IRA worth $300,000 and a taxable account worth $225,000, the annual fee is 0.55%
based on the total value of $525,000.

Please note that this is more favorable for the client than a tiered or blended fee structure in which the 0.85% fee is applied to the first $100,000, 0.75% to the next $150,000, etc.

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