Provider Financial Inc

5. FEES AND COMPENSATION
         A. FINANCIAL PLANNING
Our financial planning services are provided on an hourly fee basis. The hourly fee for a financial
plan is $350. The hourly fee rate is negotiable. Both the hourly rate and an estimate of the total
project fee (estimated hours multiplied by the agreed to hourly rate) are shown on the executed
Financial Planning Agreement. One half of the estimated Financial Planning fee is due before any
work on the plan (or research project) begins, with the other half due upon presentation of both the
final plan (or research project) and an invoice showing hours expended on the plan or project.
         B. PORTFOLIO MANAGEMENT SERVICES
As disclosed above, our portfolio management services are only offered through our wrap-fee
program. The following description can also be found in Appendix 1 to this firm brochure. Fees
for portfolio management services will be based on a percentage of the assets under management.
The fee will be calculated, accrued and due quarterly in advance. The annual fee schedule is:
                                Custodian Reported           Management
                                  Value of Account                Fee
                                $100,000 to $250,000            2.05%
                                $250,001 to $500,000            1.75%
                                $500,001 to $750,000            1.60%
                               $750,001 to $1,250,000           1.40%
                              $1,250,001 to $1,750,000          1.30%
                              $1,750,001 to $3,000,000          1.15%
                              $3,000,001 to $5,000,000          1.00%
                                   Over $5,000,000            Negotiable
The fee is negotiable based upon the size of the client’s account(s). The pro-rated first quarter’s
management fee will be calculated on the Account’s initial value as reported by its custodian.
Thereafter, the periodic fee will be based upon the previous quarter-end Account as reported by
the client's custodian.
In a wrap account, clients pay a single annual advisory fee for advisory services and execution of
transactions. Clients do not pay brokerage commissions, markups or transaction charges for
execution of transactions in addition to the advisory fee. However, please see the following
disclosures regarding the conflicts of interest associated with a wrap-fee program.
    Conflict of Interest Disclosure
Although clients do not pay a transaction charge for transactions in a SWM account, clients must
be aware that we pay LPL transaction charges for those transactions. The transaction charges paid
by us vary based on the type of transaction (e.g., mutual fund, equity or ETF) and for mutual funds
based on whether or not the mutual fund pays 12b-1 fees and/or recordkeeping fees to
LPL. Transaction charges paid by us for equities and ETFs are $7. For mutual funds, the
transaction charges range from $0 to $26.50 depending on whether they pay a recordkeeping
and/or revenue sharing fee to LPL (Full Participating Fund versus Non-Participating Fund).
Because we pay the transaction charges in SWM accounts, there is a conflict of interest in cases
where the mutual fund is offered at both $0 and $26.50. Clients must understand that the cost to
us of transaction charges can be a factor that our considers when deciding which securities to select
and how frequently to place transactions in an SWM account. We attempt to mitigate this conflict

Provider Financial, Inc.                       Page 5                        ADV Part 2A – 1/27/2026

of interest by placing the clients’ interest ahead of our own through our fiduciary duty and by
implementing policies and procedures designed to address the conflict.
    Other Types of Fees and Charges
Program accounts will incur additional fees and charges from parties other than us as noted below.
These fees and charges are in addition to the advisory fee paid to us. We do not share in any portion
of these third-party fees.
LPL, as the custodian and broker-dealer providing brokerage and execution services on program
accounts, will impose certain fees and charges. LPL notifies clients of these charges at account
opening and makes available a list of these fees and charges on its website at www.lpl.com. LPL
will deduct these fees and charges directly from the client’s program account.
There are other fees and charges that are imposed by other third parties that apply to investments
in program accounts. Some of these fees and charges are described below.
•   If a client’s assets are invested in mutual funds or other pooled investment products, clients
    must be aware that there will be two layers of advisory fees and expenses for those assets.
    Client will pay an advisory fee to the fund manager and other expenses as a shareholder of the
    fund. Client will also pay us the advisory fee with respect to those assets. Most of the mutual
    funds available in the program can be purchased directly. Therefore, clients could generally
    avoid the second layer of fees by not using our management services and by making their own
    investment decisions.
•   Certain mutual funds impose fees and charges such as contingent deferred sales charges, early
    redemption fees and charges for frequent trading. These charges can apply if client transfers
    into or purchases such a fund with the applicable charges in a program account.
•   Although only no-load and load-waived mutual funds can be purchased in a program account,
    client must understand that some mutual funds pay asset-based sales charges or service fees
    (e.g., 12b-1 fees) to the custodian with respect to account holdings.
•   If client holds a variable annuity as part of an account, there are mortality, expense and
    administrative charges, fees for additional riders on the contract and charges for excessive
...

7. TYPES OF CLIENTS
Our services are offered to individuals and high net worth individuals. We do not require a
minimum account size prior to becoming a client.