BCO Wealth Management LLC

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management              Annual Fees
        $0 - $250,000                              1.25%

        $250,001 - $1,000,000                      1.00%

        $1,000,001 - $2,000,000                    0.75%

        $2,000,001 - AND UP                        0.65%

BCO Wealth uses the value of the account as of the last business day of the billing period,
after taking into account deposits and withdrawals, for purposes of determining the
market value of the assets upon which the advisory fee is based.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement. Clients may terminate the agreement without penalty for a
full refund of BCO Wealth's fees within five business days of signing the Investment
Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract
generally with 5 days' written notice.

Selection of Other Advisers Fees

BCO Wealth will receive its standard fee on top of the fee paid to the third party adviser.
This relationship will be memorialized in each contract between BCO Wealth and each
third-party adviser. The fees will not exceed any limit imposed by any regulatory agency.
Specifically, BCO Wealth may direct clients to SEI Investment Management Corp (SIMC).
BCO Wealth’s portfolio management fees are negotiable.

SIMC Mutual Fund Models Program
In the SIMC Mutual Fund Models Program, BCO Wealth may recommend SIMC to act as
a third-party adviser. BCO Wealth will establish an asset allocation policy for the client
and recommend one of many mutual fund asset allocation models based on the client’s
risk profile and investment objectives. SIMC will have complete investment authority,
with respect to the account, in order to carry out the investment strategy chosen by BCO
Wealth on the client’s behalf. Client fees are payable quarterly, in arrears, based on assets
under management. In addition to BCO Wealth’s Portfolio Management Fee, Clients will
also pay an additional Platform Fee to SIMC, which will be outlined in the client’s
agreement with SIMC.

SIMC Sub-Advised Program
In the SIMC Sub-Advised Program, BCO Wealth retains SIMC as a sub-advisor in order
to provide certain of investment management solutions to BCO Wealth in a sub-advised
relationship, including investment strategies of SIMC’s portfolio managers and certain
SIMC-developed investment strategy models. Client fees are payable quarterly, in arrears,
based on assets under management. In addition to BCO Wealth’s Portfolio Management
Fee, Clients will also pay an additional Platform Fee to SIMC, which will be outlined in
the client’s agreement with SIMC.

Pension Consulting Services Fees

Asset-Based Fees for Pension Consulting

        Total Assets Under Management          Annual Fee
        $0 - AND UP                            1.50%

BCO Wealth uses the value of the account as of the last business day of the billing period,
after taking into account deposits and withdrawals, for purposes of determining the
market value of the assets upon which the advisory fee is based.

These fees are generally negotiable and the final fee schedule will be memorialized in the
client’s advisory agreement.

Clients may terminate the agreement without penalty for a full refund of BCO Wealth's
fees within five business days of signing the Investment Advisory Contract. Thereafter,
clients may terminate the pension consulting agreement generally with 5 days' written
notice. BCO Wealth uses an average of the daily balance in the client’s account throughout
the billing period, after taking into account deposits and withdrawals, for purposes of
determining the market value of the assets upon which the advisory fee is based.

Financial Planning Fees

Fixed Fees

The negotiated fixed rate for creating client financial plans is between $500 and $5,000.

Clients may terminate the agreement without penalty, for full refund of BCO Wealth’s
fees, within five business days of signing the Financial Planning Agreement. Thereafter,
clients may terminate the Financial Planning Agreement generally upon written notice.

B. Payment of Fees

Payment of Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in arrears.

Payment of Pension Consulting Fees

Asset-based pension consulting fees are withdrawn directly from the client's accounts
with client's written authorization on a quarterly basis. Fees are paid in arrears.

Payment of Selection of Other Advisers Fees

Fees for selection of SEI Investment Management Corp as third-party adviser are
withdrawn directly from the client's accounts with client's written authorization. Fees are
paid quarterly in arrears.

Payment of Financial Planning Fees

Financial planning fees are paid via check.

Fixed financial planning fees are paid 10% in advance, but never more than six months in
advance, with the remainder due upon presentation of the plan.

C. Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third party fees (i.e. custodian fees,
brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and
distinct from the fees and expenses charged by BCO Wealth. Please see Item 12 of this
brochure regarding broker-dealer/custodian.

D. Prepayment of Fees

BCO Wealth collects certain fees in advance and certain fees in arrears, as indicated above.
Refunds for fees paid in advance but not yet earned will be refunded on a prorated basis
and returned within fourteen days to the client via check, or return deposit back into the
client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of
the fees collected in advance minus the daily rate* times the number of days elapsed in
...

Item 7: Types of Clients

BCO Wealth generally provides advisory services to the following types of clients:

       ❖      Individuals
       ❖      High-Net-Worth Individuals
       ❖      Pension and Profit Sharing Plans
       ❖      Charitable Organizations

There is no account minimum for any of BCO Wealth’s services.