BIP Wealth LLC

Item 5: Fees and Compensation

   Description
             Asset Management Fees
             BIP calculates advisory fees based on a percentage of total assets under BIP management,
             including both public and private market securities. BIP’s fees range from .25% to 1.5% per annum
             depending upon the size of the accounts and the types of services offered.
             The minimum portfolio value is generally set at $1,000,000. If BIP agrees to an asset management
             relationship for a portfolio valued at less than $1,000,000, BIP’s fee schedule still applies.
             However, the account will be subject to a $4,000 minimum annual fee ($1,000 per quarter). BIP
             may, at its discretion, make exceptions to the fee schedule or negotiate special fee arrangements
             where BIP deems it appropriate under the circumstances. For example, BIP may charge a lesser
             or no advisory fee based upon certain criteria (i.e., employees and family of employees, anticipated
             future additional assets, related accounts, account composition, etc.). No increase in BIP’s fees
             will be effective without thirty (30) days’ prior written notification to the client.
             The more assets BIP manages for a client, the more the client will pay in fees. However, BIP
             currently offers breakpoints in its fee schedule, so as client assets grow the percentage fee paid
             by the client declines as the breakpoints are met. The value of public market assets is reported by the
             custodians using their pricing services and is not guaranteed by BIP. The value of an account for the
             purpose of pricing may exclude the negative value of any short positions or margin balances.
             Advisory fees charged on private market assets are based on the Fee Schedule above. The value
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   Firm Brochure                                                                                           6/22/2026

          of private market assets is described as follows:
                •   For private market assets bought after June 30, 2024, the value will be based on the most
                    recent FMV as provided by the investment sponsors.
                •   The value of private market assets bought before July 1, 2024, will be the lesser of (a) the
                    most recent Fair Market Value (FMV) as provided by the investment sponsors or (b) the
                    aggregate amount of funds called as of the close of business the day prior to the billing
                    period. cre
                •   For private market assets structured as a Business Development Company (BDC), the
                    value will be calculated based on the most recent Net Asset Value (NAV) as provided by
                    the investment sponsors.
          Retirement Plans
          When BIP acts as an investment adviser to employer-sponsored retirement plans, such as
          employer-sponsored 401(k) plans, BIP calculates advisory fees based on a percentage of total
          assets in the retirement plan. Public market asset values are reported by the custodians using
          their pricing services and are not guaranteed by BIP.

           Plan Value                                       Annual Advisory Fee Percentage
           Less than $2,000,000                             0.60%
           $2,000,000 to $10,000,000                        0.50%
           $10,000,000 and above                            0.40%

          BIP Institutional Reserve strategy
          The firm offers the BIP Institutional Reserve strategy as a cash management account for companies.
          The fee schedule for this strategy is as follows:

           Account Value                                         Annual Advisory Fee Percentage
           $250,000 - $24,999,999                                0.25%
           $25,000,000 - $49,999,999                             0.15%
           $50,000,000 or more                                   0.10%
          Other Consulting Fees and Tax Services
          For specific consulting projects or other unique opportunities to serve clients, BIP may charge a fee
          on a flat rate or other basis. Some of these opportunities include preparation of tax returns for
          clients by a Certified Professional Accountant. Such fees for these services will be agreed upon
          at the time of the engagement.
          Private Fund Fees
          BIP does not receive compensation for advisory services to the BIP Bay Point Funds.
          Administrative fees may be charged as described in the offering documents, but those fees would
          be paid directly to BIP Holdings, LLC. You should refer to the subscription agreement and other
          documents for a complete description of the fees, investment objectives, risks, and other relevant
          information associated with investing in the BIP Bay Point Funds. The BIP Bay Point Funds
          undergoes a surprise exam annually by an independent Public Accounting firm.
          Wrap Fee Program
          BIP Wealth is a sponsor of a wrap fee program, which is a type of investment program that
          provides clients with access to several asset allocation models for a single fee that includes
          administrative fees, management fees, and commissions. The wrap fee program is no longer
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Firm Brochure                                                                                          6/22/2026

             available to clients who are not already in the program. Wrap fee program clients have a different
             fee schedule than above. Details about the wrap fee program are found in BIP Wealth’s Form ADV
...

Item 7: Types of Clients

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   Firm Brochure                                                                                        6/22/2026

    Description
             BIP generally provides investment advice to individuals, trusts, estates, retirement plans and
             various entities (such as corporations, partnerships, and limited liability companies) through which
             individuals and families hold investment assets.
             Client relationships may vary in scope and length of service.

    Account Minimums
             BIP imposes a minimum account value of $1 million. Occasionally, BIP will accept accounts below
             the account minimum for clients with highly illiquid net worth, clients that are young and upwardly
             mobile/emerging affluent and related accounts of family members. BIP reserves the right to a
             minimum Advisory Fee of $4,000 per year for accounts falling below the minimum asset size.
             Certain investment programs/products recommended by BIP may also impose minimum
             investment amounts or other conditions for participation in such programs/products. Such other
             conditions will be separate and distinct from those that may be imposed by BIP.