SCF Investment Advisors Inc

ITEM 5 FEES AND COMPENSATION

This section provides information concerning fees and compensation for investment advisory services and programs available
through SCFIA.
SCFIA and our IARs are compensated for our services by charging an advisory fee. Advisory fees are typically calculated as a
percentage of assets under management. Fees vary based on the type of advisory service provided to a client. The actual fee is
disclosed prior to the client signing the agreement. The advisory fee is shared between your IAR and SCFIA. Although platform
fees and third-party money manager fees are generally non-negotiable, your IAR can negotiate his or her advisory fee.
Advisory Services
Investment advisory and portfolio management fees are set at the onset of engagement. Fees are negotiated, and agreed to,
on a schedule, which may be inclusive or exclusive of various transaction charges and other miscellaneous fees. There is no
default fee schedule. We offer accounts where the IAR pays the underlying ticket charges for securities transactions. When
the IAR pays the ticket charges, a conflict exists that the IAR will trade less frequently which results in the IAR retaining a
greater portion of the investment advisory and portfolio management fees. The Firm has policies and procedures to monitor
and reduce the risk of this occurring. We also offer accounts with separate advisory fees and transaction charges. As such, in
addition to the monthly or quarterly account fee described below for advisory services, you will also pay separate transaction
charges.
Transaction charges are assessed as either transaction-related or asset-based and will be disclosed as such on the paperwork
you complete with the custodian. When your account is assessed transaction-related charges, each trade is subject to the
pricing of the specific product made available at the custodian. When your account is assessed asset-based charges, your
account is assessed a periodic asset-based fee for each account enrolled in the program. Please refer to the Fee Schedule
published in the disclosure section of our website (scfsecurities.com/disclosures/) for a detailed schedule of transaction fees
and other brokerage costs.
Investment advisory and portfolio management fees are deducted from Client’s assets/account balance.
Fees can be negotiated on a fixed or variable basis, and are billed in advance or in arrears, on a monthly or quarterly basis,
as negotiated by IAR and Client. Accounts billed in advance will be calculated based on the account’s Period End Balance
(i.e., the end of the month or quarter, as applicable), with adjustments for contributions and distributions; accounts billed in
arrears will be based on the account’s Average Daily Balance calculated during the billing period. Clients should be aware of
the risks in paying fees in advance as they are paid prior to advisory services being fully rendered and are therefore unearned
at the time they are paid by Client. Fees may not be rebated in the event of a termination of the advisory agreement if SCFIA
is precluded from making the payment.
Any changes to the fee structure will be per written agreement between Client and IAR. Changes to the fee structure will be
effective upon the next scheduled fee calculation period.
Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus.
Brokerage firms charge transaction fees for the purchase or sale of some securities and will charge account service fees.
Accounts will aggregate billable asset values at the household level. “Household” as used for this purpose, is defined by a
unique household ID within SCFIA’s billing system. Accounts using variable fee schedules will evaluate fee breakpoints at the
aggregated household value. It is the IAR and Client’s responsibility to ensure that household accounts are correctly identified.
In order for SCFIA to identify which individuals and accounts comprise a household, a list of accounts within each qualifying
household must be communicated to the IAR by the Client by completing an Advisory Services Agreement Schedule A and
attaching it to the householding request along with a copy of the applicable Advisory Services Agreement. Only spousal and
dependent accounts qualify for householding. In general, householding will result in lower overall advisory fees paid by client
when linear or tiered fees are selected. Therefore, it is in the Client’s best interest to request householding. If a combination of
flat rate and variable fee schedules are used on different accounts in the same household ID, fee calculations will be based on
the aggregate household value when determining fee percentages and pro-rated tier rates. When using variable fee schedules,
it is recommended to use the same variable schedule for all billed accounts within the household. If household members are
not provided to SCFIA, some accounts may be assigned to a separate Household ID in the billing system which will result in a
higher tiered or linear fee calculation.
Investment advisory and portfolio management fees may be available at different and/or lower fees; all fees are negotiable.

If portfolio management is being provided by a third-party Portfolio Manager, please refer to the Portfolio Manager's
documentation for their management fees, custodial fees, and any other additional disclosures.
SCFIA may also collect fees for third parties or certain technologies, such as Online Account Platforms, and pay those fees
through invoice to the third party. Please refer to the third party’s documentation for further information on fees that may be
collected by SCFIA, and any other additional disclosures.
Payment in full is expected as per the terms of the agreement. To facilitate billing, fees are automatically deducted from the
account by the qualified custodian per instructions from SCFIA. If insufficient cash is available to pay fees in full, IAR, at their
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ITEM 7 TYPES OF CLIENTS
SCFIA generally provides investment advice to individuals, pension and profit-sharing plans, trusts, estates, charitable
organizations and corporations or business entities. Client relationships vary in scope and length of service.
SCFIA’s minimum account size is $10,000.00, although a higher minimum account size may be applicable based on the
advisory program selected. SCFIA has the discretion to waive the account minimum. Accounts of less than $10,000.00 may
be set up when the Client and the IAR anticipate the Client will add additional funds to the accounts bringing the total to
$10,000.00 within a reasonable time. Other exceptions may apply to lower valued accounts householded with existing accounts
and to employees of SCFIA and their relatives.
Clients who utilize TPIA relationships and/ or third-party investment advisors should review each manager's Form ADV
disclosure regarding minimum account size and other requirements.