LCM Capital Management Inc

Item 5 - Fees and Compensation
Method of Compensation and Fee Schedule
Asset Management
The fee schedule is disclosed in the Wrap Fee Program Brochure, Item 4.

Advisory Fees to 529 Plans.
Our fee for non-discretionary 529 Plan services is based on a percentage of the market value of
the assets under the advised Plan. The advisory fee is billed and payable monthly or quarterly in
arrears based on the value of your account on the last day of the preceding time period. The fee
is determined as follows:

                        Market Value               Maximum Annual Fee
                         All assets                      0.50%

If the agreement for services is commenced at any time other than the first day of a month/quarter,
our fees can apply on a pro rata basis, which means that the advisory fee is payable in proportion
to the number of days in the month/quarter for which you are a client.

Upon termination of the agreement, you will assume responsibility for choosing the funds or
investments within the Plan. The advisory fee will be prorated for the month/quarter in which the
termination notice is given, which means that you will incur advisory fees only in proportion to the
number of days in the month/quarter for which you are a client.

Advisory Fees to Pension Consulting – Retirement Plan Services
The compensation arrangement for these services will be negotiated on a case-by-case basis
and the exact fee paid by the client will be clearly stated in the services agreement signed by the
client and the firm. The compensation of LCM for the services it provides for Retirement Plan
services is described in Schedule A of the Plan Agreement with LCM. The Plan Sponsor is
obligated to pay the fees; however, the Plan Sponsor may elect to have the Plan pay them. LCM
will either send invoices to the Plan and be paid by check or the recordkeeper will debit fees per
the Plan Sponsor’s instructions.

The services we provide to your Plan, and the corresponding compensation are described above,
and in the service agreement that you have signed with our firm. We may, with consent of the
Plan, and in accordance with Plan documents, bill out of pocket expenses (such as overnight
mailings, messenger, translation fees, etc.) at cost. We do not reasonably expect to receive any
other compensation, direct or indirect, for the services we provide to the Plan or Participants. If
we receive any other compensation for such services, we will (i) offset the compensation against
our stated fees, and (ii) we will promptly disclose the amount of such compensation, the services
rendered for such compensation and the payer of such compensation to you.

LCM Capital Management Inc.
Form ADV Part 2A

You may terminate the services agreement by providing written notice to our firm. You will incur
a pro rata charge for services rendered prior to the termination of the agreement. LCM does not
charge a termination fee but there may be administrative or other fees charged by a third-party
administrator due to termination.

Client Payment of Fees
Fees for 529 Plan asset management services and for retirement plan/pension consulting are:
    • Deducted from a designated Client account. The Client must consent in advance to direct
       debiting of their investment account.
   •   Check – to be remitted by Client to LCM
   •   Electronic Payment by ACH

Additional Fees and Expenses
Custodians may charge transaction fees and other related costs on the purchases or sales of
mutual funds, equities, bonds, options and exchange-traded funds. Mutual funds, money market
funds and exchange-traded funds also charge internal management fees, which are disclosed in
the fund’s prospectus. LCM does not receive any compensation from these fees. All of these fees
are in addition to the management fee you pay to LCM. For more details on the brokerage
practices, see Item 12 of this brochure.

Prepayment of Client Fees
LCM does not require any prepayment of fees.

Compensation for the Sale of Other Investment Products
Associated Persons who provide investment advice on behalf of our firm may also be licensed as
independent insurance agents. These persons will earn commission-based compensation for
selling insurance products, including insurance products they sell to you. Insurance commissions
earned by these persons are separate and in addition to our advisory fees. This practice presents
a conflict of interest because persons providing investment advice on behalf of our firm who are
insurance agents have an incentive to recommend insurance products to you for the purpose of
generating commissions rather than solely based on your needs. However, you are under no
obligation, contractually or otherwise, to purchase insurance products through any person
affiliated with our firm.

Item 7 - Types of Clients
We offer investment advisory services to individuals, high net worth individuals, pension and
profit-sharing plans, charitable organizations and corporations.

In general, we require a minimum of $25,000 to open and maintain an Equity / Asset Allocation
Strategy Portfolio and $100,000 for a Fixed Income Strategy Portfolio. At our discretion, we may
lower or waive this minimum account size.

LCM Capital Management Inc.
Form ADV Part 2A