FPC Investment Advisory Inc

ITEM 5 - FEES AND COMPENSATION
In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and
each service’s fees and compensation arrangement. The Client and FPC’s Investment Advisory Agreement will
outline and agree upon the exact costs and other terms related to the Client’s Accounts.

INVESTMENT MANAGEMENT FEE
Our Firm offers investment management services for an annual fee based on the amount of assets under
management. Our annual fee typically starts at 1.00%, but we may charge a fee up to 1.25% depending on your
assets under management, the scope, and the complexity of your individual financial situation. We have a
minimum account size of $2,000,000. We retain the right to waive the minimum account size at our discretion.

                         Assets Under Management                            Annual Fee Rate
                              First $2,000,000                                  1.00%
                              Next $2,000,000                                   0.90%
                              Next $2,000,000                                   0.70%
                              Next $4,000,000                                   0.60%
                             Over $10,000,000                                   0.50%

Our advisory fee is calculated according to a blended, tiered fee schedule. This means that each portion of a
Client’s assets is charged at the rate applicable to that asset tier, rather than applying a single rate to all assets.
As an example, for a client with $5,000,000 in assets under management, the fee would be calculated as follows:

     •    1.00% on the first $2,000,000,
     •    0.90% on the next $2,000,000, and
     •    0.70% on the remaining $1,000,000.

 These tier-based amounts are added together to arrive at the client’s total annual advisory fee. Our annual fee
 is prorated and charged monthly 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 month. Cash and cash equivalents, including
 money market funds, are subject to the agreed-upon advisory fee. Clients should understand that the advisory
 fees charged on these balances may exceed the returns provided by cash, cash equivalents, or money market
 funds, especially in low-interest rate environments.

Our annual fee is reasonable in relation to (1) the services provided and (2) the fees charged by other investment
advisers offering similar services/programs.

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 monthly or quarterly statements provided by the Custodian. You should review your account
                                                FPC Investment Advisory, Inc.
                                   1465 North McDowell Blvd., Suite 170, Petaluma, CA 94954
                                             P/ (707) 795-0500 | F/ (707) 703-4414
                                             November 2025 | www.fpcwealth.com

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.
We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. 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 mutual fund
level (e.g., advisory fees and other fund expenses).

Accounts initiated or terminated during a calendar month will generally 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.

 LEGACY MANAGEMENT FEE
Managed legacy positions are included within our Firm’s standard investment management fee and are outlined
in the executed investment management agreement.

 FINANCIAL PLANNING FEE
Our Firm provides financial planning services under a fixed or hourly fee arrangement. This arrangement charges
a mutually agreed-upon fee for financial planning services. The hourly fee range begins at $400, plus expenses.
The estimated fee, as well as the total fee to be charged, is based on the scope and complexity of the client
engagement. These consultations can include administrative overview, investment allocation review, budgeting,
income tax analysis, estate distribution, account setup, and financial planning.

Fees charged for our financial planning services are negotiable 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, other advisory services provided, and the relationship of the Client and the
investment adviser representative.

The amount of the fee for your engagement is specified in your financial planning agreement with us. At our
sole discretion, the Client may be required to pay the fee at the time the agreement is executed with our Firm;
however, our Firm does not require or solicit prepayment of more than $1,200 in fees per Client, six months or
...

ITEM 7 - TYPES OF CLIENTS
Our Firm provides investment management, investment advice, financial planning, tax planning, and consulting
and advisement, to individuals, high-net-worth individuals, families, estates, trusts, corporations, and charitable
foundations.

Our Firm requires a minimum account value of $2,000,000 to provide advisory services. To reach this account
minimum, Clients can aggregate all household accounts. Exceptions may be granted to this minimum for the
Client's relationship with the representative.

                                               FPC Investment Advisory, Inc.
                                  1465 North McDowell Blvd., Suite 170, Petaluma, CA 94954
                                            P/ (707) 795-0500 | F/ (707) 703-4414
                                            November 2025 | www.fpcwealth.com

Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client
arrangement with us.