FC Wealth Inc

Item 5: Fees and Compensation

A. Fee Schedule

Portfolio Management Fees

        Total Assets Under Management                 Annual Fees
        $0 - $500,000                                 1.25%

        $500,001 - $1,000,000                         1.00%

        $1,000,001 - $3,000,000                       0.75%

        $3,000,001 - AND UP                           0.50%

                            *Legacy accounts may have different fee schedules.

The advisory fee is calculated using the value of the assets in the Account on the last
business day of the prior billing period.

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 FCW's fees within five business days of signing the Investment Advisory
Contract. Thereafter, clients may terminate the Investment Advisory Contract
immediately upon written notice.

Financial Planning Fees

Fixed Fees

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

Hourly Fees

The negotiated hourly fee for these services is $150.

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

Pension Consulting Services Fees

Asset-Based Fees for Pension Consulting

        Total Assets Under Management         Annual Fee
        All Assets                             Up to 0.50%

FCW 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 FCW's fees
within five business days of signing the Investment Advisory Contract. Thereafter, clients
may terminate the pension consulting agreement generally with 30 days' written notice.

Fixed Fees

The rate for creating client pension consulting plans is between $0 and $100,000. The final
fee schedule will be memorialized in the client’s advisory agreement. This service may be
canceled with 30 days’ 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 advance.

Payment of Financial Planning Fees

Financial planning fees are paid via check.

Fixed financial planning fees are paid 25% in advance, but never more than six months in
advance, with the remainder due upon presentation of the plan.

Hourly financial planning fees are paid in arrears upon completion.

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, or may be invoiced and billed
directly to the client on a quarterly basis. Clients may select the method in which they are
billed. Fees are paid in advance or arrears.

Fixed pension consulting fees are paid via check. These fees are paid in advance or arrears.

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 FCW. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D. Prepayment of Fees

FCW collects fees in advance. 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
the billing period up to and including the day of termination. (*The daily rate is calculated
by dividing the annual asset-based fee rate by 365.)

Fixed fees that are collected in advance will be refunded based on the prorated amount of
work completed at the point of termination.

E. Outside Compensation For the Sale of Securities to Clients

Chris J Niemela and Michael Ronald Brown are insurance agents. In this role, they accept
compensation for the sale of investment products to FCW clients.

1. This is a Conflict of Interest

   Supervised persons may accept compensation for the sale of investment products,
   including asset based sales charges or service fees from the sale of mutual funds to
   FCW's clients. This presents a conflict of interest and gives the supervised person an
   incentive to recommend products based on the compensation received rather than on
   the client’s needs. When recommending the sale of investment products for which the
   supervised persons receives compensation, FCW will document the conflict of interest
   in the client file and inform the client of the conflict of interest.

       2. Clients Have the Option to Purchase Recommended Products From
       Other Brokers

           Clients always have the option to purchase FCW recommended products through
           other brokers or agents that are not affiliated with FCW.

       3. Commissions are not FCW's primary source of compensation for
       advisory services

           Commissions are not FCW’s primary source of compensation for advisory services.

       4. Advisory Fees in Addition to Commissions or Markups

           Advisory fees that are charged to clients are not reduced to offset the commissions or
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Item 7: Types of Clients

FCW generally provides advisory services to the following types of clients:

       ❖      Individuals
       ❖      High-Net-Worth Individuals
       ❖      Charitable Organizations
       ❖      Corporations or Business Entities
       ❖      Pension and Profit Sharing Plans

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