Skyline Advisors offers a Wealth Management Service that includes financial planning, investment management, and financial advice. We provide high-touch and personal client service, comprehensive financial planning and investment advisory services designed to accomplish client financial-life goals. We operate according to a Fiduciary Duty where we must always act in utmost good faith and due loyalty according to our client’s best interests. We walk alongside our clients through life’s travails and opportunities in order to provide financial advice and discipline in a complicated and sometimes confusing investment and economic landscape. Skyline Advisors believes that life is a journey that requires daily engagement with a focus on the goals on the horizon. Skyline Advisors Wrap Advisory Services Wealth Management Services: Our Wealth Management Services are designed to assist clients in meeting their financial goals by building an asset allocation, selecting securities and monitoring and managing the portfolio all within a financial planning framework. Our Investment Process is: Our Investment Philosophy is: 1. Get to Know You 1. Built on Academic Research 2. Create a Plan 2. Long Term Unemotional Perspective 3. Service and Advice 3. Objective/Informed Fiduciary Advice 4. Report to You 4. Minimize Investment Expenses 5. Update your Plan 5. Flexible Portfolio Rebalancing The Investment Process begins with client meetings conducted to understand a client’s current financial profile and resources, financial-life goals, time horizon and tolerance for risk. Based on what we learn, an investment strategy is presented that may consist of individual stocks, bonds, ETFs, mutual funds and other public securities or investments. A portfolio is built to diversify holdings and to hold various asset categories in order to manage risk. Once the appropriate portfolio has been recommended and selected, it is continuously and regularly monitored and rebalanced. Allocations and/or investments selected can be changed to reflect current market and economic conditions and portfolios can change as a client’s goals and needs change. We are your financial back office and provide personal service and ongoing comprehensive financial advice. We also are a financial coach to our clients, helping to protect their portfolios from emotional reactions. This benefit is hard to quantify but can make a big difference in accomplishing client financial-life goals. Our Wealth Management Services also include comprehensive financial planning which requires more detailed data gathering, goal identification and necessitate dedicated planning meetings to formulate and execute a financial plan. Financial Planning Services may include the following as needs dictate:
• Retirement Planning. Goal oriented to create cash flow in retirement.
• Estate Planning. Document and plan your wealth wishes.
• Tax Planning. Taxes reduce your wealth. ADV Part 2A, Appendix 1 – Wrap Fee Brochure Page 5 Skyline Advisors, Inc.
• Elder Care Planning. How do you pay for care?
• College Planning. How do you pay for college?
• Insurance Planning. Mitigate and manage risks using insurance.
• Charitable and Legacy Giving Planning. Match your passion to your generosity.
• Budgeting and financial statements. Make sense of your finances.
• Business Needs. Many of our clients are business owners, like us. Financial Planning is a collaborative process that helps maximize a Client’s potential for meeting life goals through Financial Advice that integrates relevant elements of the Client’s personal and financial circumstances. Planning is only successful if

we and our clients work together. Our 7-step financial planning process is: 1. Learn about You 2. Identify and Select Goals 3. Map out the Plan 4. Develop Recommendations 5. Present the Plan 6. Implement the Plan 7. Monitor and Update the Plan Please note that the implementation of the recommendations of the financial plan will be at Client’s discretion. Client is free to implement recommendations made by Skyline through broker-dealers or insurance companies of their choice. Cost for Services - Advisory Fee Schedule Wealth Management Service Skyline Advisors’ services include investment management and financial planning and all transaction costs wrapped into one advisory fee. Skyline Advisors provides an array of services to clients with different needs, household account balances and in different locales. As such, the cost for our service will vary from client to client. This service requires an initial $500,000 minimum aggregate account balance, subject to negotiation. Annualized fees are billed on a pro-rata basis quarterly in advance based on the value of the account(s) on the last day of the previous quarter. Unless otherwise noted in writing, our firm bills on cash. Fees are negotiable and will be deducted from client account(s). Households with aggregate account balances less than $250,000 generally pay a minimum quarterly fee of $1,000, which is an annualized $4,000. Households with aggregate balances above $250,000 generally have quarterly advisory fees that range from 0.375% down to 0.0875% of assets under management, or lower as determined on a client by client basis. Skyline Advisors does not charge an advisory fee on certain accounts advised upon, but not managed or on certain non-managed emergency funds. Fees to be assessed will be outlined in the advisory agreement to be signed by the Client. Adjustments will be made for deposits and withdrawals during the quarter. In rare cases, our firm will agree to directly invoice. As part of this process, Clients understand the following: a) The client’s independent custodian sends statements at least quarterly showing the market values for each security included in the Assets and all account disbursements, including the amount of the advisory fees paid to our firm; b) Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm will send an invoice directly to the custodian; and ADV Part 2A, Appendix 1 – Wrap Fee Brochure Page 6 Skyline Advisors, Inc. c) If our firm sends a copy of our invoice to the client, it will include a legend urging the comparison of information provided in our statement with those from the qualified custodian. Other Types of Fees & Expenses: In addition to our advisory fees above, clients may also pay holdings charges imposed by Charles Schwab for certain investments, expense ratios imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be disclosed in the fund’s prospectus mark-ups and mark-downs imposed on individual bills, notes and bonds, spreads paid to market makers, fees for trades executed away from custodian, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. Skyline Advisors does not receive any of these fees. Termination and Refunds: Either party may terminate the advisory agreement signed with our firm for our Wealth Management Service in writing at any time. Upon notice of termination our firm will process a pro-rata refund of the unearned portion of the advisory fees charged in advance. Wrap Fee Program Recommendations: Our firm does not recommend or offer the wrap program services of other providers.