PFC Capital Group Inc

ITEM 5 - FEES AND COMPENSATION
Fee Schedule

For its advisory services, PFC charges an annual advisory fee which is billed quarterly in arrears based on
a percentage of the calendar quarter’s ending market value of the managed portfolio per the following
schedule:

Equity And Balanced Portfolios:
First $6 Million 1%
Next $6-10 Million .60
On Assets Over $10 Million .50 of 1%

Fixed Income Portfolios:
First $10 Million .60 of 1%
Next $5 Million .50 of 1%
Next $15 Million .40 of 1%
Over $35 Million .30 of 1%

Mutual Fund Fees and Expenses:
All fees paid to PFC for investment advisory services are separate and distinct from the fees and expenses
charged by mutual funds to their shareholders. These fees and expenses are described in each fund's
prospectus. These fees will generally include a management fee, other fund expenses, and a possible
distribution fee. A client could invest in a mutual fund directly, without the services of PFC. In that case,

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the client would not receive the services provided by PFC which are designed, among other things, to
assist the client in determining which mutual fund or funds are most appropriate to each client's financial
condition and objectives.

Accordingly, the client should review both the fees charged by the funds and the fees charged by PFC to
fully understand the total amount of fees to be paid by the client and to thereby evaluate the advisory
services being provided.

At our discretion, we may negotiate our fees with clients, offer reduced fees for clients with a longstanding
relationship or may choose to waive fees altogether for certain client or family accounts. Fees may be
negotiated based on a number of factors, including a pre-existing relationship with the client or a new
client’s relationship with existing clients. We may also have existing clients under historical or alternative
fee arrangements.

The fee schedule above includes any financial or investment planning done as part of our overall wealth
management services for the client but does not include the cost of securities or insurance products
recommended within the plan or associated trading costs or commissions (described in Other Fees and
Expenses Clients May Pay, below).

Billing Method

PFC’s advisory fees are payable quarterly in arrears based on the managed portfolio’s market value of
managed assets on the last day of the calendar quarter. Valuations are provided to PFC from the
underlying custodian by direct download from the custodian and/or client statements. In the event a
security is not priced by the client’s custodian or PFC believes that the custodian’s price does not
adequately represent investment value, we may obtain a price from the issuer of the security or other
independent third-party or otherwise take steps to “fair value” the security, in accordance with PFC’
internal valuation procedures.

Quarterly fees are adjusted on a time-weighted basis for additions or withdrawals during a quarter. The
client’s quarterly fee will reflect pro-rated additions and/or reductions.

With client authorization, we will typically withdraw our advisory fee automatically from the client’s
account each quarter upon instruction to the client’s independent custodian. We may make alternative
arrangements at the client’s request. All clients will receive brokerage statements from the custodian no
less frequently than quarterly. The custodian statement will show the deduction of the advisory fee.

Termination

Either party may terminate the advisory agreement at any time by providing thirty (30) days written notice
to the other party. In the event client terminates the advisory agreement, PFC will not liquidate any
securities in the client’s account unless authorized in writing by the client to do so. In the event of the
client’s death or disability, PFC will continue management of the client’s account until PFC is notified of
the client’s death or disability and given alternative instructions by an authorized party. Upon notice of

Private Financial Counseling Brochure                 8                              Revised October 28, 2025

termination, we will calculate the final fees due for services provided through the date of termination.
Any advisory fees that we have earned for the services provided will be due upon termination. We will
prorate the fee due based on the effective date of termination.

Other Fees and Expenses Clients May Pay

PFC’s fees do not include custodian fees. Any brokerage commissions, stock transfer fees, and other
similar charges that are incurred in connection with transactions for a client’s account will be paid out of
the assets in the client’s account and are in addition to the advisory fees the client pays to PFC. See Item

ITEM 7 - TYPES OF CLIENTS
PFC generally provides investment advisory services to high net-worth clients, including individuals and
families, trusts and estates, and individual participants of retirement plans. In addition, we offer advisory
services to pension and profit-sharing plans, charitable organizations, corporations and other business
entities.