First Pacific Financial Inc

ITEM 5 - FEES AND COMPENSATION
First Pacific Financial offers services on a fee basis, which includes fixed fees, hourly fees, as well as fees based upon assets
under management. Each service and engagement has its own fee schedule as documented below. Certain services are
more likely appropriate for certain clients and not all services are available to every client. First Pacific Financial has sole
discretion regarding the services offered to an individual client and not every advisor at First Pacific Financial provides every
service. The Client and FPF’s Investment Advisory Agreement will outline and agree upon the exact costs and other terms
related to the Client’s Accounts.

INVESTMENT MANAGEMENT FEE

WEALTH MANAGEMENT FEES
Our Firm offers wealth management services for an annual fee based on the amount of assets under management. Our
maximum annual fee is 1.25%.
Our annual fee is prorated and charged quarterly, in advance, based on the value of the Client’s assets under management
as of the close of business on the last business day of the previous quarter. Our annual fee is reasonable in relation to the
services provided and the fees charged by other investment advisers offering similar services/programs.

                                                                       FIRST PACIFIC FINANCIAL, INC. ADV | PART 2A BROCHURE
                                                                                                    MAY 2026 | PAGE 10 OF 30

For fee calculation purposes, unless instructed otherwise, we will automatically aggregate client accounts under common
ownership or household affiliation, a practice commonly known as "householding" portfolios. Householding may result in
lower fees than if each account were billed separately, as the combined value is used to determine the account size and
the corresponding annualized fee.
Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client. The investment
advisory fees will be deducted from your account and paid directly to our Firm by the qualified Custodian(s) of your account.
The Client will authorize your account's qualified Custodian(s) to deduct fees from the account and pay such fees directly
to our Firm. All account assets, transactions, and advisory fees will be shown on the quarterly statements provided by the
Custodian. You should review your account statements received from the qualified Custodian(s) and verify that appropriate
investment advisory fees are being deducted. The qualified Custodian(s) will not verify the accuracy of the investment
advisory fees deducted. The investment management agreement will outline the fee charged to a Client and any
breakpoints based on the level of assets managed. The fees are subject to change with prior written notice to the Client.
Our annual investment advisory fee may be higher than that of other investment advisers that offer similar services and
programs. In addition to our compensation, you may incur charges imposed at the fund level (e.g., advisory fees and other
fund expenses).
Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the days the Client
account was open during that quarter. Any prepaid, unearned fees will be refunded upon termination of any account.
         CHARITABLE AND NON-PROFIT ADVISORY FEES
         First Pacific Financial offers investment management services for an annual fee based on the amount of assets
         under FPF’s management. The annual fee for charitable and non-profit asset management services will not exceed
         1.00%.

SPARK FINANCIAL ADVISORY FEES
First Pacific Financial and our Spark service offers financial planning packages and fees that are calculated and paid monthly
depending on the service package selected. The annual fee for financial planning services will not exceed $6,000. Not all
services will be rendered immediately, and clients may discontinue the service at any time. In addition, clients who choose
to use First Pacific Financial asset management services and Betterment for Advisors will be charged 0.90% annually,
prorated monthly in arrears, based upon the market value of the assets being managed. In the event the advisory agreement
is terminated, the fee for the final billing period is prorated through the effective date of the termination and the outstanding
portion of the fee is refunded to the client, as appropriate.

                                                                       FIRST PACIFIC FINANCIAL, INC. ADV | PART 2A BROCHURE
                                                                                                    MAY 2026 | PAGE 11 OF 30

FINANCIAL PLANNING & CONSULTING SERVICES FEE
Fees for financial planning and consulting services may be charged on an hourly basis or as a flat fee, depending on the
scope and complexity of the engagement. Hourly fees will typically not exceed $500 per hour. Flat fees generally will not
exceed $15,000 per project; however, fees may be higher when the scope, complexity, or specialized nature of the
requested services reasonably requires additional time or resources. Any flat fees in excess of $15,000, or any fee
arrangement outside of the ranges described in this Brochure, will only be assessed with the client’s prior review and written
consent in a separate agreement that outlines the specific services to be provided and the total fee to be charged.
Fees charged for our financial planning and/or consulting services are negotiable at the Firm’s discretion based upon the
type of Client, the services requested, the investment adviser representative providing advice, the complexity of the Client's
situation, the composition of the Client's account and other advisory services provided.
The amount of the fee for your engagement is specified in your agreement with us. At our sole discretion, the Client may
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ITEM 7 - TYPES OF CLIENTS
Our Firm provides discretionary and non-discretionary investment management, financial planning, consulting, and third-
party portfolio management to individuals, high-net-worth individuals, estates, trusts, partnerships, retirement plans,
corporations, charitable foundations, and pension plans.
Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client arrangement
with us.