BPM Wealth Advisors LLC

Item 5- Fees and Compensation
Financial Planning Fees
BPMWA has several fee structures. The specific fee structure utilized in any given
situation shall be fully discussed with the client and disclosed in the Financial Planning
Agreement which the client signs with BPMWA prior to the commencement of any
services. Some of the possible fee structures are:

 • Hourly Fees – BPMWA may charge an hourly fee for its services which may vary
 depending upon the needs of the client and the complexity of the plan. The exact
 hourly rate, as well as the work to be performed by BPMWA, will be specifically
 disclosed in the Financial Planning Agreement and agreed to by the client.

 • Negotiated Flat Fee – BPMWA may charge a flat fee for its services typically
 ranging from $250 to $50,000 or more depending on the needs of the client and the
 complexity of the plan. The flat fee negotiated between BPMWA and the client, as
 well as the work to be performed by BPMWA, will be specifically disclosed in the
 Financial Planning Agreement and agreed to by the client.

 • Asset Based Fee – BPMWA may charge a fee for its services based upon a
 percentage of the overall value of the estate, retirement plan or other component for
 which BPMWA is providing planning services. These fees may range from ¼% to 1
 ¾% or more of the total assets in issue depending on the total value of the assets, the
 needs of the client, and the complexity of the plan. The exact asset-based fee
 negotiated between BPMWA and the client, as well as the work to be performed by
 BPMWA, will be disclosed in the Financial Planning Agreement.

You may terminate the Financial Planning Agreement upon written notice to our firm.
You will incur a charge for services rendered prior to the termination of the agreement
based on our contracted rate. We may waive a portion or all of our financial planning
fees at our discretion based on factors such as scope of work, and whether the client
chooses to implement the advice through our asset management services. Clients are
not obligated to act on our financial planning recommendations. Our financial planning
fees are competitive with the fees charged by other investment advisors in the area for
comparable services. However, similar services may be available from other sources for
lower fees.

Pension Consulting Fees
 • Negotiated Flat Fee – BPMWA may charge a flat fee for its services typically
 ranging from $2,500 to $25,000 or more depending on the needs of the client and the
 complexity of the plan. The flat fee negotiated between BPMWA and the client, as
 well as the work to be performed by BPMWA, will be specifically disclosed in the
 Agreement and agreed to by the client.

BPM Wealth Advisors, LLC                1-31-2026                        ADV Part 2A Brochure.

 • Asset Based Fee – BPMWA may charge a fee for its services based upon a
 percentage of the overall value of the assets of the retirement plan for which BPMWA
 is providing pension consulting services. These fees may range from .1% to 1 1/4% of
 the assets depending on the total amount of the assets, the needs of the client, the
 specific services provided and the complexity of the plan. The exact fee negotiated
 between BPMWA and the client, as well as the work to be performed by BPMWA, will
 be disclosed in the Agreement.

Asset Management Fees
BPMWA will receive an asset based advisory fee paid by the clients it refers to other
investment advisers. The amount of the fee to be charged will be based upon the
aggregate market value of assets held in the client’s account at a rate to be based on
the BPMWA Maximum Asset Management Fee Grid below. The specific fee rate to be
charged will be based on the factors noted under the Fee Calculation Section below and
will be disclosed in the Asset Management Agreement to be executed by each client.

                     BPMWA Maximum Asset Management Fee Grid
                    Account Balance                  BPMWA Annual Fee *
                    Up to $1,000,000                 1.75%
                    $1,000,001 - $3,000,000          1.25%
                    $3,000,001 - $5,000,000          1.00%
                    $5,000,001-$10,00000             0.75%
                    $10,000,001 - $20,000,000        0.60%
                    Above $20,000,001                0.50%
                            *Fee rates shown on an annualized basis
You may terminate the Asset Management Agreement at any time upon written notice
to our firm. You will incur a prorated charge based on our contracted rate for services
rendered prior to the termination of the agreement. Any prepaid or otherwise unearned
fees will be refunded to you. Our fees are competitive when compared with the fees
charged by other investment advisors for comparable services. However, similar
services may be available from other sources for lower fees.

Fee Calculation
Our investment management fees are negotiable and may vary according to facts and
circumstances, including the scope of services to be provided, the duration of services,
other relationships with the client and the size of the client as measured by the
aggregate market value of assets under management. At our discretion, other related
accounts may also be considered in the calculation of assets under management. This
practice is known as “householding”. A minimum of $500,000 in investable assets is
generally required to establish a relationship with us; however, that minimum may be
waived at our discretion.

BPM Wealth Advisors, LLC                 1-31-2026                    ADV Part 2A Brochure.

Fees are generally billed quarterly in advance based upon the aggregate market value of
assets in the client's account. The initial fee payment is due upon receipt of assets into the
client’s account. The initial fee will be prorated based on the number of days the account
is open during the initial quarter. Subsequent fees are calculated based on the aggregate
...

Item 7 –Types of Clients
BPMWA provides financial planning and portfolio management services to individuals;
corporations and other businesses; trusts; estates; pension plans and charitable
foundations. We have established a $500,000 minimum value of assets for establishing
a client relationship with the firm. Multiple accounts for the same client may be
aggregated to meet the minimum account value.

BPMWA at its sole discretion, may negotiate an alternative minimum account value
based upon the nature of the account, other relationships with the client, number of
related accounts, or future additional assets. In addition, certain Third-Party Money
Managers may also have required minimum asset values for establishing an account.
BPMWA will have no authority to negotiate any changes to such minimums.