Swisher Financial Concepts Inc

Item 5: Fees and Compensation
Please note, unless a client has received the firm’s disclosure brochure at least 48 hours prior to signing the
investment advisory contract, the investment advisory contract may be terminated by the client within five
(5) business days of signing the contract without incurring any advisory fees and without penalty. How we
are paid depends on the type of advisory service we are performing. Please review the fee and compensation
information below.
Financial Planning

The firm has adopted the following fee schedule:
   • Investment Allocation Planning – Hourly rate of $200.00 with a minimum fee of $500.00, not to
       exceed maximum fee of 0.25% of investable assets. The fee is due upon completion and delivery of
       the plan. Client may pay the fee by check.

   •   Retirement Projection Planning – Hourly rate of $200.00 with a minimum fee of $750.00, not to
       exceed maximum fee of 0.75% of annual income. The fee is due upon completion and delivery of the
       plan. Client may pay the fee by check.
   •   All Other Financial Planning Topics - we charge $200.00 per hour. The fee is due upon completion
       and delivery of the plan. Client may pay the fee by check.

In the event of early termination, the client will be billed for the hours worked at a rate of $200.00 per hour.

Investment Management Services
Our standard advisory fee is based on the market value of the assets under management and is calculated as
follows:
                     Account Value                             Annual Advisory Fee
                       $0 - $500,000                                     1.00%
                  $500,000 - $2,000,000                                  0.80%
                 $2,000,000 - $5,000,000                                 0.60%
                  $5,000,000 and Above                                   0.40%

The annual fees are negotiable and are pro-rated and paid in arrears. Fees are billed either semi-annually or
quarterly, depending on client preference. The advisory fee is a tiered fee and is calculated by assessing the
percentage rates using the predefined levels of assets as shown in the above chart, resulting in a combined
weighted fee. For example, an account valued at $2,500,000 would pay an effective fee of 0.80% with the
annual fee of $20,000.00. The quarterly fee is determined by the following calculation: (($500,000 x 1.00%)
+ ($1,500,000 x 0.80%) + ($500,000 x 0.60%)) ÷ 4 = $5,000.00. No increase in the annual fee shall be effective
without agreement from the client by signing a new agreement or amendment to their current advisory
agreement.
In most cases, advisory fees are directly debited from client accounts. Some clients prefer to pay by invoice
and are permitted to choose this approach. Accounts initiated or terminated during a calendar quarter will
be charged a pro-rated fee based on the amount of time remaining in the billing period. An account may be
terminated with written notice at least 30 calendar days in advance. Upon termination of the account, any
earned fees will be prorated and collected from the client.

Retirement Plan Consulting Fees
Swisher Financial Concepts is compensated based on an annual percentage of plan assets for services.
Typically, the annual fee ranges from 0.25% to 0.80% of plan assets depending on the services requested and
the size of the plan. The annual fees are negotiable and are pro-rated and paid in arrears on a quarterly basis.
Fees will be based upon the value of the plan at the end of the preceding quarter. Plan sponsors are invoiced
in advance at the beginning of each calendar quarter.

Other Types of Fees and Expenses
When implementing an investment recommendation, the client may incur additional fees such as brokerage
commissions, transaction fees, and other related costs and expenses. Clients may incur certain charges

imposed by broker-dealers, and other third parties such as custodial fees, deferred sales charges, odd-lot
differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions. Mutual fund and exchange traded funds also charge internal
management fees, which are disclosed in a fund’s prospectus. Such charges, fees and commissions are
exclusive of and in addition to our fee.

Item 7: Types of Clients
Individuals, pension and profiting sharing plans, trusts, estates, charitable organizations, corporations, and
other business entities. We do not have a minimum account size requirement.