VCP Financial LLC

Item 5: Fees and Compensation

A. Fee Schedule

Investment Supervisory Services Fees

            Total Assets Under Management                  Annual Fee

                 $1,000,000 & Under                          2.00%

                  Above $1,000,000                           1.50%

These fees are negotiable depending upon the needs of the client and complexity of the
situation and the final fee schedule is attached as Exhibit I of the Investment Advisory
Contract. Similar advisory services may be available from other registered investment
advisers for similar or lower fees.

VCP uses the last day of previous quarter for purposes of determining the market value of
the assets provided by the clients’ custodian upon which the advisory fee is based. Fees
are paid quarterly in advance. Clients may terminate the contract without penalty, for full
refund, within five business days of signing the contract. Thereafter, clients may terminate
the contract with thirty days’ written notice.

Refunds are given on a prorated basis, based on the number of days remaining in a quarter
at the point of termination. The fee refunded will be the balance of the fees collected in
advance minus the daily rate* times the number of days in the quarter up to and including
the day of termination. (*The daily rate is calculated by dividing the quarterly u fee by the
number of days in the termination quarter). Clients may terminate their contracts without
penalty, for full refund, within 5 business days of signing the advisory contract.

Advisory fees are withdrawn directly from the client’s accounts with client written
authorization.
                                                               Form ADV 2A Version: 01/31/2026

Financial Planning Fees

Our Financial Planning fee is determined based on the nature of the services being
provided and the complexity of each client’s circumstances. All fees are agreed upon prior
to entering into a contract with a client.

Our Financial Planning fees can be calculated on a fixed or hourly basis, depending on the
specific arrangement with the client.

Our hourly fee ranges from $100 to $300 per hour.

We may request a retainer upon completion of our initial fact-finding session with the
client; however, advance payment will never exceed $1,200 for work that will not be
completed within six months. The balance is due upon completion of the financial plan.

Pension Consulting Fees

Our fee for Pension Consulting Services is based on a percentage of assets under
advisement and ranges from 0.25% to 0.50% annually.

Consulting Fees

Our Consulting fee is determined based on the nature of the services being provided and
the complexity of each client’s circumstances. All fees are agreed upon prior to entering
into a contract with a client.

Our Consulting fees can be calculated on a fixed or hourly basis, depending on the specific
arrangement with the client.

Our hourly fee ranges from $100 to $300 per hour.

We may request a retainer upon completion of our initial fact-finding session with the
client; however, advance payment will never exceed $1,200 for work that will not be
completed within six months. The balance is due upon completion of the consultation.

GENERAL INFORMATION
Termination of the Advisory Relationship: A client agreement may be canceled at any
time, by either party, for any reason upon receipt of 30 days’ written notice. As disclosed
above, certain fees are paid in advance of services provided. Upon termination of any
account, any prepaid, unearned fees will be refunded. In calculating a client’s
reimbursement of fees, we will pro rate the reimbursement according to the number of
days remaining in the billing period.
Mutual Fund Fees: All fees paid to VCP for investment advisory services are separate and
distinct from the fees and expenses charged by mutual funds and/or ETFs to their
                                                             Form ADV 2A Version: 01/31/2026

shareholders. These fees and expenses are described in each fund's prospectus. These fees
will generally include a management fee, other fund expenses, and a possible distribution
fee. If the fund also imposes sales charges, a client may pay an initial or deferred sales
charge. A client could invest in a mutual fund directly, without our services. In that case,
the client would not receive the services provided by our firm which are designed, among
other things, to assist the client in determining which mutual fund or funds are most
appropriate to each client's financial condition and objectives. Accordingly, the client
should review both the fees charged by the funds and our fees to fully understand the
total amount of fees to be paid by the client and to thereby evaluate the advisory services
being provided.
Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible
for the fees and expenses charged by custodians and imposed by broker dealers,
including, but not limited to, any transaction charges imposed by a broker dealer with
which an independent investment manager effects transactions for the client’s account(s).
Please refer to the "Brokerage Practices" section (Item 12) of this Form ADV for additional
information.
In addition, clients who are invested in VCP’s affiliated private fund (Vessel Partners LP)
pay investment advisory, management and performance fees. These fees are in addition
to the customary fund operating fees and expenses incurred by Vessel and allocated to
investors proportionally based on their investment. This relationship represents a conflict
of interest. Please see Other Financial Industry Activities and Affiliations (Item 10) for
further information and conflict mitigation disclosure. ERISA Accounts: VCP is deemed
to be a fiduciary to advisory clients that are employee benefit plans or individual
retirement accounts (IRAs) pursuant to the Employee Retirement Income and Securities
...

Item 7: Types of Clients

VCP generally provides management supervisory services to the following types of clients:

            Individuals
            High-Net-Worth Individuals
            Accredited Individuals
            Qualified Persons
            Pension and Profit-Sharing Plans
            Corporations or Business Entities

                                                                    Form ADV 2A Version: 01/31/2026

Minimum Account Size

The minimum account size for Investment Supervisory Services clients is $250,000, however this
requirement may be waived, at the discretion of the Principals.