BCGM Wealth Management LLC

ITEM 5 - FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEES AND COMPENSATION
Our Firm charges a fee as compensation for providing Investment Management services on the client’s
account. These services include advisory services, trade entry, investment supervision, and other account
maintenance activities. Our custodian charges transaction costs, custodial fees, redemption fees,
retirement plan and administrative fees or commissions. See Additional Fees and Expenses below for
details.

The fees for investment management are based on an annual percentage of assets under management and
are applied to the household asset value on a pro rata basis. Fees are billed monthly in arrears based on
the average daily balance of the account(s) during the previous month. Fees are assessed on all assets
under management, including securities, cash, and money market balances. Margin account balances are
not included in the fee billing.

Our maximum investment advisory fee is 1.15%. Investment advisory fees are negotiable. The specific
advisory fees are set forth in the client’s Investment Advisory Agreement. Fees can vary based on the size
of the account, complexity of the portfolio, extent of activity in the account, or other reasons agreed upon
by us and the client. In certain circumstances, our fees and the timing of the fee payments can be
negotiated. Our employees and their family related accounts are charged a reduced fee for our services.

Unless otherwise instructed by the Client, we will aggregate related client accounts for the purposes of
determining the account size and annualized fee. The common practice is often referred to as “house-
holding” portfolios for fee purposes and can result in lower fees than if fees were calculated on portfolios
separately. Our method of house-holding accounts for fee purposes looks at the overall family dynamic
and relationship. When applicable, and noted in Appendix of the Investment Management Agreement,
legacy positions will also be excluded from the fee calculation.

The independent and qualified custodian holding the client’s funds and securities will debit the client’s
account directly for the advisory fee and pay that fee to us. The client will provide written authorization
permitting the fees to be paid directly from the client’s account held by the qualified custodian. Further,
the qualified custodian agrees to deliver an account statement to the client on a monthly basis indicating
all the amounts deducted from the account including our advisory fees. In some cases, and as indicated in
the Investment Management Agreement, the advisory fee is billed directly to the client. The Firm will send
an invoice to the client for the monthly fee.

Either BCGM or the client can terminate the management agreement immediately upon written notice to
the other party. The management fee will be pro-rated to the date of termination, for the month in which
the cancellation notice was given and the unearned fee will be billed to the client’s account.

Upon termination, the client is responsible for monitoring the securities in the client’s account, and we will
have no further obligation to act or advise with respect to those assets. In the event of client’s death or

BCGM WEALTH MANAGEMENT, LLC
FEBRUARY 2026 | PAGE 8

disability, BCGM will continue management of the account until we are notified of client’s death or disability
and given alternative instructions by an authorized party.

FINANCIAL PLANNING & CONSULTING FEES
For stand-alone financial planning or consulting arrangements, BCGM will negotiate the planning fees with
the client using either a fixed fee or an hourly rate. Fees can vary based on the extent and complexity of
the client’s individual or family circumstances and the amount of the client’s assets under our management.
BCGM will determine the client’s fee for the designated financial advisory services based on a fixed fee
arrangement described below.

Under our fixed fee arrangement, any fee will be agreed in advance of services being performed. The fee
will be determined based on factors including the complexity of the client’s financial situation, agreed upon
deliverables, and whether or not the client intends to implement any recommendations through BCGM.
Fixed fees for financial plans range from $250 to $5,000. In certain situations, when the Firm offers ongoing
due diligence and recommendations for alternative investments, consulting fees can be charged as a
monthly, on-going fixed fee.

For financial plans, we typically complete a plan within a month and will present it to the client within 90
days of the contract date, provided that the client has provided us all information needed to prepare the
financial plan. Fees are billed with one hundred percent (100%) payable at the time the financial plan is
delivered. Financial planning fees can be deducted from client’s brokerage accounts at their discretion.
Written authorization will be required by the client, the client. The client can terminate the financial
planning agreement by providing us with written notice. Upon termination, fees will be prorated to the
date of termination and any unearned portion of the fee will be refunded to the client based on an hourly
rate of $250.00. Services provided up to date of termination but not yet paid to BCGM will be billed to the
client based on the hourly rate of $250.00. We will not require prepayment of more than $1,200 in fees per
client, six (6) or more months in advance of providing any services.

In no case are BCGM fees based on, or related to, the performance of the client’s funds or investments.

When both investment management or plan implementation and wealth planning services are offered,
there is a conflict of interest since there is an incentive for us offering wealth planning services to
recommend products or services for which BCGM receives compensation. However, BCGM will make all
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ITEM 7 - TYPES OF CLIENTS

We provide investment advice to individuals, high-net worth individuals, employee sponsored retirement
plans, institutions, broker-dealers, charitable organizations, and trusts. We have a $100,000 minimum
dollar amount to open and maintain an advisory account. This minimum is negotiable.