Gary R. Mccarver

Fees for ongoing investment management are calculated as an annualized percentage of assets under management including cash balances, accrued interest and dividends and are payable quarterly in arrears. Households with an active non-discretionary account are subject to a billing minimum of $875 per quarter subject to the terms in “Billing Minimum Fees” in SEIA’s ADV Part 2 Item 5 “Fees and Compensation.” Fees for one-time Financial Planning (Modular and Comprehensive) will be quoted as a single fixed fee. Fees for on-going financial planning can either be computed as an annualized percentage of client investment management assets or quoted as a fixed fee that will be charged each year.

Fees for Investment Consulting are computed at an hourly rate. Fees for Retirement Plan Consulting are calculated as either (I) a percentage of the market value of includable Plan assets, (II) a flat dollar amount or (III) an hourly rate. All fees are negotiable based on complexity, the services you receive and the amount of assets in your account. For ongoing services where you pay a quarterly recurring fee based on the total value of your advisory account, the more assets there are in your advisory account, the more you will pay in fees, and the Firm may therefore have an incentive to encourage you to increase the assets in your account. The amount paid to the Firm and your financial professional does not vary based on the type of investments we select on your behalf or recommend to you. Except for in select cases of financial planning retainers, fees are not collected in advance for services to be performed.

SEIA’s Advisory fees do not cover all fees that you may incur. Other types of fees will be incurred in connection with SEIA advisory services including but not limited to separate account manager fees, short term redemption fees, redemption fees, short settlement fees, mutual fund expenses and no transaction fee funds. These fees will be paid by you.

You should carefully review the prospectus, offering documents and disclosures for all securities in your portfolio. You should understand the trading costs charged by the custodian and review the custodial statement for a record of all fees incurred in your accounts.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. For additional details on how fees are calculated, refer to your Engagement Agreement and SEIA ADV Part 2 item 5, which can be found https://adviserinfo.sec.gov/firm/summary/108163 .

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the recommendations and investment advice we provide you. Here are some examples to help you understand what this means.

Schwab and Fidelity provide us and our clients with access to their institutional brokerage services (trading, custody, reporting, and related services), many of which are not typically available to retail customers. Schwab and Fidelity also make available various support services. Some of those services help us manage or administer our clients' accounts, while others help us manage and grow our business. These support services are generally available on an unsolicited basis (we don't have to request them) and at no charge to us. The availability of these services from custodians benefits us because we do not have to produce or purchase them. These services are not contingent upon us committing any specific amount of business in trading commissions or assets in custody. This creates an incentive for us to require that you maintain your account with Schwab and Fidelity, based on our interest in receiving these services rather than based on your interest in receiving the best custody services. This is a conflict of interest. We believe, however, that our selection of Schwab and Fidelity as custodian and broker is in the best interests of our clients. Our selection is primarily supported by the scope, quality, and price of all services offered by Schwab & Fidelity and not only the services that benefit only us. We do not engage in principal trading, proprietary products, or arrangements for soft dollar credits. For more information see ADV Part 2 item 12 “Brokerage Practices.”, which can be found at https://adviserinfo.sec.gov/firm/summary/108163.

Our financial professionals can offer various types of investment management or advisory services and can earn more or less if a certain type of service, program or platform is recommended. Financial professionals are compensated based on the fees that are charged which are based on complexity required to meet your needs, the services you receive, asset levels and the revenue the firm earns from the advisor’s advisory services. Since our financial professionals are compensated for the services they provide, there is an incentive for them to recommend their SEIA services, this is a conflict of interest.