BCR Wealth Strategies LLC

Item	5	–	Fees	and	Compensation
Financial	Planning	and	Consulting
BCR	Wealth	Strategies	will	charge	a	fixed	fee	and/or	hourly	fee	for	these	services.	BCR
Wealth	Strategies’	financial	planning	and	consulting	fees	are	negotiable,	but	generally
range	from	a	fixed	fee	of	$1,500	to	$10,000,	or	up	to	$500	on	an	hourly	rate	basis,
depending	upon	the	level	and	scope	of	the	services	and	the	BCR	Wealth	Strategies
professional	rendering	the	financial	planning	and/or	the	consulting	services.	Certain	clients
that	require	more	complex	financial	planning	and	consulting	may	be	subject	to	additional
fees.
The	annual	fee	for	investment	management	services	provided	are	based	upon	a	percentage
(%)	of	the	market	value	of	the	Assets	under	management	in	accordance	with	the	fee
schedule	in	the	Agreement	signed	by	the	Client.		BCR	Wealth	Strategies	considers	cash	to	be
an	asset	class	and	part	of	Assets	under	management	and	subject	to	the	same	fee	calculation
as	the	Client’s	non-cash	investments.
For	financial	planning	and/or	consulting	services,	BCR	Wealth	Strategies	requires	one-half
of	the	financial	planning/consulting	fee	(estimated	hourly	or	fixed)	payable	upon	entering
the	written	agreement.	The	balance	is	generally	due	upon	delivery	of	the	financial	plan	or
completion	of	the	agreed	upon	services.	Either	party	may	terminate	the	agreement	by
written	notice	to	the	other.	In	the	event	the	client	terminates	BCR	Wealth	Strategies’
financial	planning	and/or	consulting	services,	any	additional	balance	may	be	negotiated
between	BCR	Wealth	Strategies	and	the	client.
Investment	Management	Services
In	the	event	the	client	determines	to	engage	BCR	Wealth	Strategies	to	provide	investment
management	services,	BCR	Wealth	Strategies	shall	do	so	on	a	fee-only	basis.	If	engaged,	BCR
Wealth	Strategies	shall	charge	an	annual	fee,	up	to	1.25%,	based	upon	a	percentage	of	the
market	value	of	the	assets	being	managed	by	BCR	Wealth	Strategies.	BCR	Wealth	Strategies’
annual	fee	shall	be	prorated	and	charged	quarterly,	in	advance,	based	upon	the	market
value	of	the	assets	on	the	last	day	of	the	previous	quarter.		In	some	cases,	fees	are
negotiable.
BCR	Wealth	Strategies	requires	a	minimum	fee	of	$6,250	per	year	and	may	be	charged	an
annual	administrative	fee	of	$300.		BCR	Wealth	Strategies	retains	the	discretion	to
negotiate	the	minimum	fee	on	a	client-by-client	basis.	Client	facts,	circumstances	and	needs
are	considered	in	determining	the	fee	schedule.	These	include	the	complexity	of	the	client,
assets	to	be	placed	under	management,	anticipated	future	additional	assets;	related

accounts;	portfolio	style,	account	composition,	reports,	among	other	factors.	The	specific
annual	fee	schedule	is	identified	in	the	contract	between	the	adviser	and	each	client.
BCR	Wealth	Strategies	may	offset	all	or	a	portion	of	fees	charged	to	a	client	for	financial
planning/consulting	services	if	a	client	elects,	based	on	such	services,	to	retain	BCR	Wealth
Strategies	for	investment	management	services.
BCR	Wealth	Strategies	may	only	implement	its	investment	management	recommendations
after	the	client	has	arranged	for	and	furnished	BCR	Wealth	Strategies	with	all	information
and	authorization	regarding	accounts	with	appropriate	custodians.
In	its	agreement	with	BCR	Wealth	Strategies,	clients	may	authorize	BCR	Wealth	Strategies	to
debit	 the	 client’s	 custodial	 account(s)	 for	 the	 amount	 of	 BCR	 Wealth	 Strategies’	 fee.	 BCR
Wealth	Strategies	may	also	invoice	clients	for	fees.
The	client	may	make	additions	to	and	withdrawals	from	account(s)	at	any	time,	subject	to
BCR	Wealth	Strategies’	right	to	terminate	an	account.	If	assets	are	deposited	into	or
withdrawn	from	an	account	after	the	inception	of	a	quarter,	the	fee	payable	with	respect	to
such	assets	will	not	be	adjusted	or	prorated	based	on	the	number	of	days	remaining	in	the
quarter.	Clients	may	withdraw	account	assets	on	notice	to	BCR	Wealth	Strategies.	BCR
Wealth	Strategies	designs	its	portfolios	as	long-term	investments	and	assets	withdrawals
may	impair	the	achievement	of	a	client’s	investment	objectives.
An	Agreement	between	BCR	Wealth	Strategies	and	the	client	will	continue	in	effect	until
terminated	by	either	party	pursuant	to	the	terms	of	the	Agreement.	BCR	Wealth	Strategies’
annual	fee	shall	be	prorated	through	the	date	of	termination	and	any	remaining	balance
shall	be	charged	or	refunded	to	the	client,	as	appropriate,	in	a	timely	manner.
Additions	may	be	in	cash	or	securities	provided	that	BCR	Wealth	Strategies	reserves	the
right	to	liquidate	any	transferred	securities,	or	decline	to	accept	particular	securities	into	a
client’s	account.	BCR	Wealth	Strategies	may	consult	with	its	clients	about	the	options	and
ramifications	of	transferring	securities.	However,	clients	are	advised	that	when	transferred
securities	are	liquidated,	they	are	subject	to	transaction	fees,	fees	assessed	at	the	mutual
fund	level	(i.e.	contingent	deferred	sales	charge),	and/or	tax	ramifications.
Retirement	Plan	Consulting
BCR	Wealth	Strategies	is	compensated	by	the	Plan	Sponsor	and/or	from	each	participant’s
account	for	its	consulting	services,	as	determined	by	the	Plan	Sponsor,	in	accordance	with
the	fee	schedule	included	in	the	agreement	signed	by	both	parties.
Additional	General	Information
BCR	Wealth	Strategies’	fees	are	exclusive	of	brokerage	commissions,	transaction	fees,	and
other	related	costs	and	expenses	which	shall	be	incurred	by	the	client.	Clients	may	incur
certain	charges	imposed	by	custodians,	brokers,	third	party	investment	and	other	third

parties	such	as	fees	charged	by	managers,	custodial	fees,	deferred	sales	charges,	odd-lot
differentials,	transfer	taxes,	wire	transfer	and	electronic	fund	fees,	and	other	fees	and	taxes
on	brokerage	accounts	and	securities	transactions.	Mutual	funds	and	exchange-traded
funds	also	charge	internal	management	fees,	which	are	disclosed	in	a	fund’s	prospectus.
Such	charges,	fees	and	commissions	are	exclusive	of	and	in	addition	to	BCR	Wealth
...

Item	7	–	Types	of	Clients
BCR	Wealth	Strategies	provides	financial	planning,	consulting	and	investment	management
services	to	individuals,	pension	and	profit	sharing	plans,	trust	estates,	charitable
organizations,	corporations	and	business	entities.
As	a	condition	for	starting	and	maintaining	an	investment	management	relationship,	BCR
Wealth	Strategies	shall	generally	impose	a	minimum	portfolio	size	of	$500,000.	BCR	Wealth
Strategies,	in	its	sole	discretion,	may	accept	clients	with	smaller	portfolios	based	upon
certain	criteria	including	anticipated	future	earning	capacity,	anticipated	future	additional
assets,	dollar	amount	of	assets	to	be	managed,	related	accounts,	account	composition,	pre-
existing	client,	account	retention,	and	pro	bono	activities.	BCR	Wealth	Strategies	shall	only
accept	clients	with	less	than	the	minimum	portfolio	size	if,	in	the	sole	opinion	of	BCR
Wealth	Strategies,	the	smaller	portfolio	size	will	not	cause	a	substantial	increase	of
investment	risk	beyond	the	client’s	identified	risk	tolerance.	BCR	Wealth	Strategies	may
aggregate	the	portfolios	of	family	members	to	meet	the	minimum	portfolio	size.