BNC Wealth Management LLC

ITEM 5 - FEES AND COMPENSATION
Fee Schedule & Billing Method
The Firm offers services on a fee basis, which may include fixed fees, as well as fees based upon assets
under management or advisement. Additionally, certain of the Firm’s Supervised Persons, in their
individual capacities, may offer securities brokerage services under a separate commission-based
arrangement.

Investment Management Services
The annual management fee for our Investment Management Services is based on the total dollar asset
value of the assets maintained in your account. The fee assessed and/or charged is based on what is
stipulated in the Investment Advisory Agreement signed by each client. This may include a minimum
quarterly fee. The Firm offers services on a fee basis, which may include fixed fees, as well as fees based
upon assets under management or advisement. Additionally, certain of the Firm’s Supervised Persons, in
their individual capacities, may offer securities brokerage services under a separate commission-based
arrangement.

Our annual fee ranges up to 1.5% annually and is assessed and/or charged quarterly in advance, based on
prior period-end value. Inflows and outflows of cash are considered on a prorated basis in this calculation.
Margin debits in accounts will decrease the fee calculated. Fees can be structured in one of the following
ways: a fixed flat percentage fee on total assets in the account, a tiered fee schedule whereby the fee is
calculated by applying different rates to different levels of assets or a linear fee schedule where a
breakpoint percentage fee is assessed to total assets in the account .

We discuss our discretionary authority below under Item 16 – Investment Discretion.

Financial Consultation Service
We will quote the client a fixed fee that is based on the estimate of time to complete the project, or will
negotiate another fee arrangement for the client, pursuant to the Financial Planning & Consulting
Agreement. The total estimated fee, as well as the ultimate fee that we charge you, is based on the scope
and complexity of our engagement with you. We may require a negotiable retainer, which is calculated
based on the estimated total financial planning or consulting fee with the remainder of the fee directly

BNC Wealth Management, LLC DBA NBC Capital Advisors Disclosure Brochure                     January 1, 2026 – v1

billed to you and due to us within thirty (30) days of your financial plan being delivered or consultation
rendered to you. In all cases, we will not require a retainer exceeding $1,200 when services cannot be
rendered within six (6) months. In the event that the client or NBC terminates the financial consulting
engagement before completion of the financial plan or consultation, NBC will determine the fees due
for the services already completed. For flat fee engagements, Client may receive a pro-rata refund of
unearned fees which will be based on the hours Advisor has spent on the engagement, billed at the
Advisor’s hourly rate for such engagements. If the retainer previously paid by you is more than the fees
due, NBC will refund the amount of the unearned fees to you. If the amount due is more than the retainer
we collected from you, NBC will send you an invoice for the remainder due, which will be due within thirty
(30) days of the invoice date. For ongoing engagements, Client will receive a pro-rata refund for any
remaining days left in the quarter in which the contract was terminated.

Other Fees and Expenses
In addition to the advisory fees paid to NBC, clients may incur certain charges imposed by other third
parties, such as broker-dealers, custodians, trust companies, platform service providers, banks and other
financial institutions (collectively “Financial Institutions”). These additional charges may include securities
brokerage commissions, transaction fees, custodial fees, fees attributable to alternative assets, reporting
charges, margin costs, charges imposed directly by a mutual fund or ETF in a client’s account, as disclosed
in the fund’s prospectus (e.g., fund management fees and other fund expenses), 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. The Firm’s brokerage practices are described at length in
Item 12, below.

Direct Fee Debit
Clients generally provide NBC with the authority to directly debit their accounts for payment of the
investment advisory fees. The Financial Institutions that act as the qualified custodian for client accounts,
from which the Firm retains the authority to directly deduct fees, have agreed to send statements to clients
not less than quarterly detailing account transactions, including any amounts paid to NBC.

Account Additions and Withdrawals
As stated above, clients may make additions to and withdrawals from their account at any time, subject
to NBC’s right to terminate an account. Additions may be in cash or securities provided that the Firm
reserves the right to liquidate any transferred securities or declines to accept particular securities into a
client’s account. Clients may withdraw account assets on notice to the Firm, subject to the usual and
customary securities settlement procedures. However, the Firm generally designs its portfolios as long-
term investments and the withdrawal of assets may impair the achievement of a client’s investment
objectives.

The Firm may consult with its clients about the options and implications of transferring securities. Clients
are advised that when transferred securities are liquidated, they may be subject to transaction fees, short-

BNC Wealth Management, LLC DBA NBC Capital Advisors Disclosure Brochure                       January 1, 2026 – v1

term redemption fees, fees assessed at the mutual fund level (e.g., contingent deferred sales charges)
and/or tax ramifications.

Termination
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ITEM 7 - TYPES OF CLIENTS
NBC provides asset management, financial consulting, ERISA plan advisory & consulting, investment
advisory consultation, and selection of third-party money managers. Our services are provided on a
discretionary basis to a variety of clients, such as institutional investors, individuals, high net worth
individuals, trusts and estates, qualified purchasers and individual participants of retirement plans. In
addition, we may also provide advisory services to entities such as pension and profit-sharing plans,
businesses, and other investment advisers.

Account Requirements
NBC does not have a specific account minimum.