Inverlochy Capital Inc

Item 5 – Fees and Compensation
Investment Advisory Services

Inverlochy Capital, Inc. is compensated based on the value of assets managed or advised.
Clients are charged an annual maximum fee for investment management services of 1.2%
per year of assets under management.
Fees charged for our investment management services are negotiable at the discretion of
Inverlochy Capital, Inc. and based on the following factors: 1) the investment adviser
representative providing the services, 2) the type of client, 3) the complexity of the client's
account and situation, 4) the composition of the client's account (i.e. equities versus mutual
funds versus fixed income), 5) the potential for additional account deposits, 6) the
relationship of the client with the investment adviser representative, and 7) the total
amount of assets under management for the client.

Fees are calculated by Inverlochy Capital, Inc. and charged quarterly after the last business
day of the quarter. Fees are deducted from the investment accounts, by the custodian,
upon written authorization from each Client.

The specific manner in which fees are charged by Inverlochy Capital, Inc. is established in a
Client’s written Client Account Agreement with Inverlochy Capital, Inc. The firm will bill its
fees in arrears on a quarterly basis. Accounts initiated or terminated during a calendar
quarter will be charged a prorated fee. Upon termination of any account, any unpaid fees
will be due and payable.
If a Client decided to terminate their Client Account Agreement with Inverlochy Capital, Inc.
within five (5) days of its signing, no Investment Advisory fees of any kind will be charged
by, or are payable, to Inverlochy Capital, Inc.
Investment Advisory Clients can inform Inverlochy Capital, Inc. of their desire to cancel
their Client Account Agreement with Inverlochy Capital, Inc. in writing (email, letter or fax).

Inverlochy Capital, Inc. is compensated on a fee-only basis and does not receive
commissions or other remuneration from the sale or redemption of securities in a
portfolio, from the sale or recommendation of insurance products, or from any source
other than directly from the Client.

Inverlochy Capital, Inc.’s fees are exclusive of brokerage commissions, transaction fees, and
other related costs and expenses which shall be incurred by the Client. Clients may incur

Inverlochy Capital, Inc. Form ADV Part 2A Brochure and Part 2B Supplement
IARD/CRD No: 132253

certain charges imposed by custodians, brokers, third party investment and other third
parties such as fees charged by managers, custodial fees, deferred sales charges, odd-lot
differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes
on brokerage accounts and securities transactions. Mutual funds and exchange traded
funds also charge internal management fees, which are disclosed in a fund’s prospectus.
Such charges, fees and commissions are exclusive of, and in addition to, Inverlochy Capital,
Inc.’s fee, and Inverlochy Capital, Inc. shall not receive any portion of these commissions,
fees, and costs.

Financial Planning Services

Inverlochy Capital, Inc. includes financial planning services at no extra charge for clients
with assets managed by Inverlochy Capital, Inc.
If a Client decided to terminate their Client Account Agreement with Inverlochy Capital, Inc.
within five (5) days of its signing, no Financial Planning Service fees of any kind will be
charged by, or are payable, to Inverlochy Capital, Inc.
Financial Planning Service Clients can inform Inverlochy Capital, Inc. of their desire to
cancel their Client Account Agreement with Inverlochy Capital, Inc. in writing (email, letter
or fax).

Inverlochy Capital, Inc. is compensated on a fee-only basis and does not receive
commissions or other remuneration from the sale or redemption of securities in a
portfolio, from the sale or recommendation of insurance products, or from any source
other than directly from the Client.

Item 7 – Types of Clients

Inverlochy Capital, Inc. provides portfolio management services to individuals, high net
worth individuals, corporate pension and profit-sharing plans, corporations and other U.S.
and international institutions.

Inverlochy Capital, Inc. generally requires a minimum of $250,000 of assets for Investment
Advisory Service accounts; however, the minimum may be waived at the discretion of
Inverlochy Capital, Inc.

Inverlochy Capital, Inc. Form ADV Part 2A Brochure and Part 2B Supplement
IARD/CRD No: 132253