Blue Wealth Inc

Item 5 – Fees and Compensation

A.     Fee Schedule
ASSET MANAGEMENT
BWI offers asset management services to advisory Clients. BWI charges an annual investment
advisory fee based on the total assets under management as follows:

              Assets Under Management                         Maximum Annual Fee

                       All Assets                                      1.35%

Fees are billed monthly in arrears based on the average daily balance of the amount of assets
managed during the previous billing period.

FINANCIAL PLANNING AND CONSULTING
BWI charges a fixed fee for financial planning and consulting. Prior to the planning process the
Client will be provided an estimated plan fee which will be based on the complexity of the
engagement. Services are offered based on a fixed fee to never exceed $25,000. Fees are billed, in
full, upon execution of the Agreement. Services will be completed and delivered within ninety (90)
days contingent upon timely delivery of all required documentation.

B.     Payment of Fees
Asset Management Fees are deducted directly from the Client’s Account.

                                             February 2026

Financial planning and consulting services are billed in advance.

BWI, in its sole discretion, may charge a lesser investment advisory fee based upon certain criteria
(e.g., historical relationship, type of assets, anticipated future earning capacity, anticipated future
additional assets, dollar amounts of assets to be managed, related accounts, account composition,
negotiations with Clients, etc.).

For all services, Clients may terminate their engagement with BWI within five (5) business days of
signing an Agreement with no obligation and without penalty. After the initial five (5) business days,
the Agreement may be terminated by BWI with thirty (30) days written notice to Client and by the
Client at any time with written notice to BWI. For accounts opened or closed mid-billing period, fees
will be prorated based on the days services are provided during the given period. All unpaid earned
fees will be due to BWI and all unearned fees will be refunded to the Client. Any increase in fees will
be acknowledged in writing by both parties before any increase in said fees occurs.

C.     Additional Fees
Custodians may charge brokerage commissions, transaction fees, and other related costs on the
purchases or sales of mutual funds, equities, bonds, options, margin interest, and exchange-traded
funds. Mutual funds, money market funds, and exchange-traded funds may also charge internal
management fees, which are disclosed in the fund’s prospectus. BWI does not directly receive any
compensation from these fees. All of these fees are in addition to the management fee you pay to
BWI. For more details on the brokerage practices, see Item 12 of this brochure.

D.     Prepayment of Fees
Financial planning and consulting services are billed in advance.

E.    External Compensation for the Sale of Securities
BWI does not receive any external compensation from the sale of securities.

Item 7 – Types of Clients & Account Minimums

BWI’s Clients are generally individuals, small businesses, trusts, estates, and high net-worth
individuals. Client relationships vary in scope and length of service. There is no minimum account
size and Clients are not required to have a certain amount of investment experience or
sophistication.

                                            February 2026