CPC Advisors LLC

Item 5 Fees and Compensation

Financial Planning Services Fees

We develop a letter of engagement that outlines the scope of services that we can provide to address
your needs. Additionally, it will also include the fees to complete your plan. We generally charge a
negotiable fixed fee ranging from $500 to $20,000 for financial planning services based on your
circumstances and the complexity of the services requested; however, there may be certain
circumstances where we offer financial plans for individuals requiring highly complex financial planning
with fees up to $100,000. Additionally, we are able to provide financial planning services based on our
hourly rate of $275. Generally, we require that you pay half the estimated fee upon execution of the
letter of engagement with the balance due on completion of the contracted services. However, in
special circumstances, other fee-paying arrangements may be negotiated. In either case, services to
be provided, the applicable fee and fee-paying arrangements are agreed upon in advance of services
rendered and will be clearly set forth in the executed financial planning agreement.

Upon delivery of the initial financial plan, we will offer an annual retainer service that may include
periodic meetings to review your progress towards stated goals. For retainer services, we generally
charge a quarterly fee determined on a case-by-case basis predicated on the scope and complexity of
the required services. Such fees are payable quarterly in arrears. The letter of engagement signed
between you and our firm will detail the scope of the services to be provided and the applicable fees.

Either party may terminate the letter of engagement within five (5) days of entering into the agreement
without penalty. After the five-day period, either party may terminate the agreement by providing
written or verbal notice to the other. If you request termination verbally, we will send you a letter of
confirmation evidencing the effective termination date of the planning process. Upon such termination,
we will refund any unearned fees to you.

Please note: Changes in tax laws or regulations may occur at any time and as financial advisors we do
not render advice on tax or legal matters. You should discuss any tax or legal matters with the
appropriate professional.

1Assets under advisement represent assets in which we have neither discretionary authority nor responsibility for arranging
or effecting the purchase or sale of recommendations provided to and accepted by the ultimate client. Inclusion of these
assets will make our total assets number different from assets under management disclosed in Item 5.F of our Form ADV Part
1A ($1,675,441,642) due to specific calculation instructions for Regulatory Assets Under Management.

Portfolio Management Fees

Portfolio management fees are individually tailored to each client and do not exceed 1.75% annually.
Factors considered in determining the fees charged generally include, but are not limited to, the
complexity of the client’s portfolio; assets to be placed under management; anticipated future assets;
related accounts; portfolio style; account composition; and/or other special circumstances or
requirements. The specific fee schedule will be outlined in the advisory agreement between the client
and the Adviser.

Ambassador Program

If you participate in the Ambassador Program or any other wrap fee program, you will pay our firm a
single fee called a ”wrap fee”, which includes our money management fees, certain transaction costs,
and custodial and administrative costs. You will not pay transaction charges in an Ambassador
account. As the program sponsor, RJA also receives a portion of the wrap fee. You will typically also
incur charges for other services provided by RJA, not directly related to the execution and clearing of
transactions, including, but not limited to, IRA custodial fees, safekeeping fees, interest charges on
margin loans, and fees for legal or courtesy transfers of securities. The other fees and charges for
which you will remain responsible are described in Item 4 of the RJA Wrap Fee Program Brochure.
The overall cost you will incur if you participate in the Ambassador wrap fee program may be higher or
lower than you might incur by separately purchasing the types of securities available in the program.
We are also provided discretionary authority with respect to choosing which program the client will be
invested in.

You authorize and direct RJA as custodian to deduct asset-based fees from your account; you further
authorize and direct the custodian to send a quarterly statement to you which shows all amounts
disbursed from your account, including fees paid to CPC Advisors. Your Ambassador agreement may
be terminated by you or us at any time upon providing notice pursuant to the provisions of the
agreement. In the event of termination of your agreement, we will refund to you the prorated portion of
the fee for the quarter of termination. There is no penalty for terminating your agreement.

A full description of the fees, transaction costs and services is provided in the Ambassador agreement
and RJA’s Wrap Fee Program Brochure.

Asset-Based Fee Aggregation
Participants in the Ambassador Program may be entitled to discounted asset-based fees if they
maintain one or more eligible Related Accounts within these programs. Related Accounts are accounts
of an individual, his or her spouse, and their children under the age of twenty-one. The term includes
individually owned accounts, individual retirement accounts (IRAs), self-directed accounts (i.e.,
directed by individual participants) under an employee benefit plan (ERISA plan) and ERISA plan
accounts in which an individual is the sole participant. For purposes of aggregating Related Accounts
to determine the applicable “Relationship Value,” there are two account classes, Equity (Balanced,
Equity and ETF disciplines) and Fixed Income.
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Item 7 Types of Clients
We offer investment advisory services to individuals, high-net-worth individuals, trusts, pension and
profit-sharing plans, charitable organizations, corporations, and other business entities.

You must have a minimum account size of $25,000 to participate in the Ambassador program, which
may be waived at our discretion.