JPC Wealth Management Inc

ITEM 5: FEES AND COMPENSATION
Financial Planning
Financial planning services are generally provided for an hourly fee of $500. You will receive an invoice
upon completion of the financial plan that is payable upon receipt. You may pay for financial planning
services by check or cash.

You may cancel our financial planning agreement at any time by providing written notice. Upon
cancellation, we will present you with an invoice for time spent. This invoice is payable upon receipt.

We have a conflict of interest when providing financial planning advice. When you implement the
financial plan through us, we receive the customary fees as disclosed in the following section. You are
not required to employ us to implement the financial plan, or to implement the plan, or any portion of it,
at all.

Investment Management Services
Advisory Fees & Billing Practices

Fees for investment management range from 0.50% to 1.25% per year of the assets under management.
These fees are billed at the beginning of each quarter, based on the assets under management as of the last
day of the previous calendar quarter.

Fees are negotiated with each client based on the size of the account, prospective growth, and other
factors. Depending on the relationship, multiple portfolios with a common interest may be treated as one
for billing purposes.

We generally require that you provide authorization for us to deduct our fees directly from your
investment account. Important information about the deduction of management fees:

    •   You must provide authorization for us to pull fees by initialing the appropriate section of our
        contract.

    •   You will receive a detailed invoice each quarter which outlines our fees and how they are
        calculated at the same time we request payment from the custodian.

    •   You will receive a statement from your custodian which shows all transactions in your account,
        including the deduction of our fees.

    •   You are responsible for reviewing the accuracy of the fees being billed, as the custodian will not
        do so.

In limited circumstances we may agree to allow a client to pay by check rather than deducting payment
directly from the client account.

You may terminate our advisory relationship by providing 5 days written notice. We will prorate the
advisory fees earned through the termination date and send you a refund of the prepaid, unearned portion
of your fee. We process refund payments within 30 days of the termination date and will send you a
check or refund your investment account. In either case we will provide a final invoice detailing the
calculation of the refund.

Other Costs Involved

In addition to our advisory fee shown above, you are responsible for paying fees associated with investing
for your account. These fees include:

    • mutual fund loads (if applicable). These charges are paid to brokers as a form of commission.

    • management fees for ETFs and mutual funds. These are fees charged by the managers of the ETF
      or mutual fund and are a portion of the expenses of the ETF or mutual fund.

    • brokerage costs and transaction fees for any securities or fixed income trades. These are
      generally charged by your custodian and/or executing broker.

Additional information about brokerage costs and services is provided in “Item 12: Brokerage Practices.”

We believe the fees mentioned above are competitive; however you may be able to obtain similar services
from other sources at a lower price.

ITEM 7: TYPES OF CLIENTS
JPCWM clients are primarily individuals. We use at least three criteria before we agree to take on a new
relationship. First and foremost, we must believe we can make a positive difference in a client’s financial
outcome. Second we must believe we will enjoy working together to help them achieve their financial
goals, we view ourselves as nice, reasonable people and we want to have a business relationship with
other nice reasonable people.

Generally we require that you maintain $1,000,000 under management with us. However, we may waive
that minimum at our sole discretion.