Strategic Financial Concepts LLC

Fees and Compensation

FINANCIAL PLANNING AND CONSULTING SERVICES

The hourly fee is negotiable depending upon the scope and complexity of the services requested,
the Client's financial situation and objectives, as well as the associated person providing the

Strategic Financial Concepts, LLC
Form ADV Part 2A                                                                              Brochure

services. The maximum hourly fees are $500 per hour. A fixed fee may also be negotiated based
on the number of estimated hours required to provide the requested services.

Personal and/or business planning services are also offered to Clients on an on-going annual
basis. As part of this annual retainer program, SFC will generally establish a regular planning cycle
to work with the Client in managing specific aspects of the overall financial plan that are unique
to the Client’s situation. Additionally, SFC may meet with the Client’s other professional advisers
(financial, legal, real estate, tax, etc.) for a series of information gathering and/or implementation
meetings. SFC will act as a project manager to coordinate the work of the appropriate parties in
a manner consistent with the Client’s long-term desired outcome. However, SFC does not provide
legal or tax preparation services. Fees charged by other professionals for such services are
separate and distinct form planning fees paid to SFC. Typically, other professionals will bill Clients
directly. However, where Client asks SFC to engage other professionals on behalf of Client, other
professionals will bill SFC; and, in turn, SFC will bill Clients for additional costs incurred. However,
this arrangement will not cause the Client to pay professional or advisory fees in excess of normal
fees typically charged by either party. SFC will not share in any portion of the fees paid to other
professionals on behalf of advisory Clients.

Planning fees for retainer clients are typically based on 2/10 of 1% of the gross value of the
Client's Estate and/or the Business’s Gross Value. If SFC is retained to provide management
services, the fee will be based on the amount of the assets under management. SFC requires an
annual minimum fee of $250 for on-going planning services. A one-time set-up fee ranging
between $250 and $50,000 may be required in advance of on-going planning services. Planning
fees can be paid annually, semi-annually, or quarterly in arrears or in advance and will be drafted
from the asset account or billed directly in arrears or in advance. The agreed upon retainer fee
and payment arrangements will be established at the beginning of the advisory/Client
relationship based upon the scope of the work to be performed and the complexity of the Client’s
financial situation.

For all planning services, an estimate of the total time/cost will be determined at the start of the
advisory relationship. In limited circumstances, the time/cost could potentially exceed the initial
estimate. In such cases, SFC will notify the Client and will request that the Client approve
applicable additional fees. Applicable fees, fee payment arrangements, and the terms of the
engagement will be clearly set forth in the Financial Planning & Consulting Agreement executed
between SFC and the Client prior to services being rendered. In no circumstance will SFC require
prepayment of a fee more than six months in advance and in excess of $500.

Strategic Financial Concepts, LLC
Form ADV Part 2A                                                                          Brochure

Financial plans are based on the Client’s financial situation at the time the plan is presented and
are based on financial information disclosed by the Client to SFC. As the Client’s financial
situation, goals, objectives, or needs change, the Client must notify SFC promptly. Clients are
advised that certain assumptions may be made with respect to interest and inflation rates and
use of past trends and performance of the market and economy. Past performance is in no way
an indication of future performance. SFC cannot offer any guarantees or promises that the
Client’s financial goals and objectives will be met.

Client is under no obligation to act on SFC’s financial planning recommendations. Moreover, if
the Client elects to act on any of the recommendations, the Client is under no obligation to
implement the financial plan through SFC. Clients may act on SFC’s recommendations by placing
securities transactions with any brokerage firm the Client chooses.

SFC or the Client may terminate the Financial Planning & Consulting Agreement within five days
of the date of acceptance without penalty to the Client. After the five-day period, either party
may terminate the Financial Planning & Consulting Agreement upon seven days written notice.
Fees will be pro-rated for the quarter in which the cancellation notice was given. Any unearned
prepaid fees will be returned to the Client and any fees due for work completed will be due and
payable immediately.

INVESTMENT MANAGEMENT SERVICES

The annual fee for investment management services is billed either monthly or quarterly in
advance based on the market value of the assets as determined by the account custodian on the
last day of the preceding calendar month or quarter. The signed Investment Management
Agreement will reflect the billing either monthly or quarterly. Fees will be assessed pro rata in
the event the Investment Management Agreement is executed at any time other than the first
day of a calendar month or quarter. SFC’s annualized fee is based on the following fee schedule:

                Assets Under Management                     Maximum Annual Rate**
                Up to $500,000                              2.50%
                $500,000 to $1,000,000                      2.00%
                $1,000,000 or more                          1.50%

**Managed accounts may be subject to an account maintenance fee of $15.00 per quarter for
...

Types of Clients
SFC offers personalized investment advisory services to individuals, pension and profit sharing
plans, trusts, estates, charitable organizations, corporations, and other business entities.

SFC requires a minimum account size of $250,000 for Investment Management Services.
Managed accounts are also subject to an account maintenance fee of $15.00 per quarter for
accounts valued lower than $75,000. The minimum annual fee for SFC's annual retainer planning
and consulting services is $250. At SFC’s discretion, accounts/fees below these minimums may
be accepted on an individual basis.

LPL OMP: this program generally has a minimum account size of $15,000.

LPL PWP: this program generally has a minimum account size of $250,000.

LPL MWP: this program generally has a minimum account size of $100,000.

LPL Manager Access Select: this program has a minimum account size of $100,000, however, in
certain instances; the minimum account size may be lower or higher.

Methods of Analysis, Investment Strategies and Risk of Loss
SFC will evaluate securities based on a fundamental or technical analysis using charts or cyclical
studies.

Fundamental analysis is a method of evaluating a security that entails attempting to measure its
intrinsic value by examining related economic, financial and other qualitative and quantitative
factors.

Technical analysis is a method of evaluating securities by analyzing statistics generated by market
activity, such as past prices and volume.

Strategic Financial Concepts, LLC
Form ADV Part 2A                                                                          Brochure

Each client will meet with SFC to discuss the specific investment strategy to be used such as long
term purchases and short term purchases.

SFC does not represent, warrant, or imply that the services or methods of analysis it utilizes can
or will predict future results, successfully identify market tops or bottoms, or insulate Clients
from losses due to market corrections or declines.

SFC reserves the right to advise Clients on other types of investments that it deems appropriate
based on the Client’s stated goals and objectives. SFC may also provide advice on any type of
investment held in a Client’s portfolio at the inception of the advisory relationship, or on any
investment for which the Client requests advice.

When appropriate for the Client’s specific investment objectives, SFC will refer Clients to third-
party investment advisers, who will provide advice to Clients in accordance with the relevant
program provided by the third-party investment adviser. As disclosed above, SFC will assist
Clients in selecting third-party investment advisers whose investment programs and strategies
have been reviewed by SFC and have been determined appropriate for SFC’s Clients based on
their individual circumstances and investment goals. While options are not part of SFC’s core
strategy, from time-to-time, SFC may utilize options where it deems appropriated based on
individual Client circumstances.

For the Third-Party Advisory Referral Program, SFC's recommendations for third-party advisers
and programs will be based on research reports and analysis of performance provided by third-
party advisers and publicly available research and reports regarding investment strategies and
programs generally offered by a variety of third-party investment advisers. Advisory
Representatives may utilize computer software programs provided by such third-party advisers
in providing this advice to Clients.