GC Wealth Management RIA LLC

Item 5. Fees and Compensation

Client Fees

GC Wealth charges advisory fees ("Advisory Fees") as described in each Client's
agreement. Fee structures include an annual asset-based percentage rate, a
tiered/tranche-based fee on asset market value, or a flat fee. Fees are generally assessed
on accrued dividends and interest.

Advisory Fees are prorated and generally billed quarterly either in advance or in arrears
based on the market value of fee-eligible assets as of the last business day of the prior
quarter (or the last known market value if current pricing is unavailable). Mid-quarter fee
changes take effect at the start of the next billing quarter. GC Wealth may adjust previously
billed amounts in a subsequent quarter if the Client's withdrawals or contributions during
the prior quarter equaled or exceeded $100,000. Fees are deducted from Client assets or
paid directly by the Client.

GC Wealth typically requires an annual Advisory Fee minimum for separate account
services, as specified in the IMA. The annual Advisory Fee will not exceed 1.5% of assets
under management. GC Wealth reserves the right to adjust or waive the minimum and to
impose an initial set-up fee.

GC Wealth may, in its sole discretion, waive or negotiate different fee rates based on
factors such as the Client's circumstances, service level, anticipated assets, dollar amount
managed, the broader relationship with GC Wealth or its affiliates, employee discounts, and
related-account householding. The existence of negotiable fee arrangements means that
similarly situated clients may be charged different rates, and no Client should assume that
the fee schedule applied to their account is the same as that applied to any other Client of
the firm.

Financial Planning and Consulting Services

GC Wealth charges negotiable fixed fees for financial planning and consulting, typically
payable before work begins. If the engagement is terminated before delivery, the Client
may request a refund, which GC Wealth may deny or reduce to offset work already
performed. GC Wealth may waive all or part of these fees at its discretion.

Founders Membership

The Founders Membership carries an annual fee of $10,000 for a two-year term, though
this fee is currently waived for members participating in the program's pilot phase. GC
Wealth reserves the right to implement a future fee structure with prior written notice, and
no fees will be collected without the member’s express written consent and right to
terminate the relationship.

                                                                       GC Wealth Brochure 7

Family Advisory Services

An additional fee is assessed where a client engagement includes Family Advisory
services. This fee is charged in addition to the investment management fee and is
determined based on the scope and complexity of the services provided. The Family
Advisory fee and its terms are disclosed and agreed upon in the client's agreement.

Pooled Investment Vehicles

Investments through an advisory account into private equity, venture capital, credit,
hedge, real estate, or other pooled vehicles (including GC Funds) involve multiple layers of
fees: Advisory Fees at the account level and separate fees at the fund level payable to the
fund's manager and service providers, which may include GC Wealth GC Wealth or GC
Wealth affiliates. Investments through unaffiliated feeder funds will carry the feeder's own
fees in addition to the underlying fund's fees. Each additional layer of fees reduces net
returns.

Other Fees and Expenses

Clients bear all fees and expenses beyond Advisory Fees, including custodial fees,
transaction costs, mutual fund expenses, Independent Manager fees, commissions, wire
transfer fees, access and platform fees, investor servicing fees, valuation fees, interest,
and taxes except for accounts enrolled in our Advisor Billing program, where GC Wealth
pays certain transaction fees as described in Item 12. GC Wealth may also charge
separately for non-advisory services (e.g., charitable giving planning) under separate
agreements.

Independent Managers

Clients incur indirect costs through Independent Managers, including custodial fees,
transaction costs, commissions, wire transfer and servicing fees, interest, taxes, and fees
associated with underlying investment managers in fund-of-funds structures. These
managers may not select the lowest-cost mutual fund share class for which a Client is
eligible. For put-writing strategies, the Independent Manager charges an additional asset-
based fee on the mandate size, expressed in dollar or contract-based terms (with contract
values derived from option strike prices and updated quarterly).

Referral Fees

GC Wealth receives referral fees under agreements with unaffiliated entities, including
insurance providers. Wealth Managers who make such referrals also receive a portion of
these fees, creating a conflict of interest. This conflict is addressed through disclosure in
this Brochure and at the time the Client signs the engagement letter.

                                                                      GC Wealth Brochure 8

Wealth Manager Compensation

A portion of Advisory Fees is allocated to the Client's Wealth Manager(s), with a higher
percentage generally credited for self-sourced accounts than internally referred ones.
Because Client fees factor into Wealth Manager compensation, Wealth Managers have a
financial incentive not to reduce fees. Wealth Managers who discount significantly below
GC Wealth's guidelines          receive reduced payouts, incentivizing pricing at or above
standard levels. GC Wealth may change its compensation methods, including reducing or
denying payouts, without prior notice.

This section is a summary qualified in its entirety by applicable governing documents,
including each Client's IMA, and does not preclude different terms for future
arrangements.

Item 7. Types of Clients

GC Wealth generally provides investment advice to: ultra-high net worth and high net
worth individuals, families, trusts, estates, foundations, endowments, charitable
organizations, corporations and other business entities. GC Wealth does not have a
minimum account size for Clients but anticipates that they typically will have greater than
$1,000,000 in investable assets.