SPC Financial Inc

Item 5: Fees and Compensation

The asset-based fee is billed quarterly in advance based upon the account asset value on the last business day of the
previous calendar quarter and becomes due the following business day. Payment of the asset-based fee in advance may
cause the actual percentage amount charged to the Client during any quarter to be more or less than the stated percentage
due to fluctuations in the Client’s account value during the quarter deposits and/or withdrawals made during the quarter.
If an account decreases in value in any quarter, the quarterly fee assessed and paid in advance may yield a slightly higher
management fee percentage. Similarly, if an account increases in value in any quarter, the quarterly fee assessed and
paid in advance may yield a slightly lower manageme nt fee percentage.

Clients authorize and direct the custodian who holds their account assets to deduct asset-based fees from their accounts
at the beginning of each calendar quarter.

Cash, accrued interest and accrued dividends, and the value of any securities held on margin will be included, unless
SPC determines otherwise, in its discretion. SPC and the client may agree to exclude certain assets and accounts from
investment advisory fees even though SPC will provide investment supervisory services over them. This arrangement
between SPC and the client may be for a security that the client wishes to hold for an extended period of time and does not
wish for SPC to sell in the foreseeable future.

SPC does not have account minimums but our stated minimum management fee is $5,000 annually on family accounts
combined. Negotiated fees may be less. We reserve the right to decline to accept any client we believe is not a good fit for
our services.

In addition to our investment advisory fees, clients are responsible for the other fees and expenses associated with their
investments. Such other fees and expenses could potentially include brokerage commissions and other transaction costs,
wire transfer charges, fees charged by the client custodian, exchanges, and taxes. Clients are also responsible for fees and
expenses associated with investment advice provided by third parties including management and performance fees and
expenses charged by private investment funds, advisory fees charged by third‐party managers, and fees and expenses of
mutual funds and exchange‐ traded funds in which clients invest.

Certain of our financial professionals are licensed as independent insurance agents. These persons earn commission-
based compensation for selling insurance products. 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 SPC 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 SPC.

Item 7: Types of Clients

SPC has the following types of clients:
   •	 Individuals                           •	 Estates                                •	 Corporations
   •	 Trusts                                •	 Charitable Organizations               •	 Pension and Profit Sharing Plans
   •	 Donor Advised Funds                   •	 529 Plans

                        Part 2A of Form ADV: Firm Brochure