BCS Financial LLC

Item 5 – Fees and Compensation
BCSWM’s asset management fees are exclusive of brokerage commissions, transaction fees, and other related
costs and expenses which shall be incurred by the client. Please see Item 12 – Brokerage Practices for additional
information. 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 (“ETFs”) 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 BCSWM’s fee.

Financial Planning Fees
Basic fee schedule: Fees are determined based on the estimated number of hours spent to develop and deliver
the plan or based on a fixed fee. Hourly rates range from $100 - $550 with a minimum total fee of $750.
Compensation is due in full upon the delivery of the plan. If an engagement is not completed, there will be a pro-
rata charge made for planning services actually rendered. If Portfolio Management services are engaged within
90 days of the completed Financial Plan, the client will be credited back the Plan’s fee. The manner in which fees
are credited will be specified in the client’s written agreement for the services.

Portfolio Management Fees
The specific manner in which fees are charged by BCSWM is established in a client’s written agreement with
BCSWM. This agreement may be terminated at any time by either party hereto giving to the other written notice of
such termination.
BCSWM will bill fees on a quarterly basis, in advance of each calendar quarter, based on the value of the account
at the end of the prior quarter. Management fees are directly debited from client’s custodial accounts, unless
otherwise agreed, and are not prorated for each capital contribution and withdrawal made during the applicable
calendar quarter. Fees for Held Away Accounts will be deducted directly from Client’s taxable Account. If Client
does not have a taxable account, then the fee will be direct billed to the Client. Accounts opened during a calendar

                                        BCS Wealth Management, LLC
                               Part 2A of ADV: Firm Brochure – March 12, 2026

quarter will not be charged a fee for the initial partial quarter but will be billed on the next quarterly billing cycle,
unless noted in the written agreement or a signed addendum. Upon termination of any account, any prepaid fees
will be promptly refunded. Fees paid in advance will be prorated to the date of termination and any unearned
portion thereof will be refunded to client’s account(s).
Fees are assessed as a percentage of assets under management (AUM), based on the following schedule:
                            Assets Under Management              Annual Percentage Fees
                                    $0 - $500,000                          1.25%
                     Next $500,000 ($500,000.01 - $1,000,000)              1.00%
                   Next $1,500,000 ($1,000,000.01 - $2,500,000)            0.90%
                   Next $2,500,000 ($2,500,000.01 - $5,000,000)            0.75%
                  Next $5,000,000 ($5,000,000.01 - $10,000,000)            0.65%
                           All Assets over $10,000,000.01                  0.55%
The fee schedule can be negotiated based on circumstances applicable to the client's level of services required
and particular situation. A client’s specific fee schedule will be identified in the advisory agreement.
This fee schedule uses a tiered calculation. For example, the effective annual fee rate for a client with $3,000,000
in AUM would be 0.95% with the annual fee calculated as follows: ($500,000 x 1.25%) + ($500,000 x 1.00%) +
($1,500,000 x 0.90%) + (500,000 x 0.75%) = $28,500.
Accounts utilizing an independent professional manager (SMAs) will pay our agreed upon fee as well as the fee
for the managed account professional firm. The fee for the managed account professional firm will be discussed
with the client before entering an agreement. This fee will also be deducted directly from the client’s account
unless otherwise discussed.
529 Plans are billed on a quarterly basis in arrears. The annual fee is 1.00% and is negotiable based on client’s
circumstance.
Retirement Plan Advisory Services Fees
The specific fee schedule and manner in which fees are charged by BCSWM is established in a client’s written
agreement with BCSWM. This agreement may be terminated at any time by either party hereto giving to the other
written notice of such termination. Fees will be paid directly to BCSWM on a quarterly basis in arrears.

Item 7 – Types of Clients
BCSWM provides portfolio management services to individuals, high net worth individuals, trusts, corporate
pension and profit-sharing plans, business owners and business retirement plans, as well as charitable
organizations and foundations. BCSWM has a minimum portfolio value for our portfolio management services of
$350,000. The minimum is an aggregate of a household’s accounts and not a per account minimum. At BCSWM’s
discretion, we may waive the minimum value based on other factors.