BPP Wealth Solutions LLC

Item 5 Fees and Compensation
BPP offers its services on a fee basis, which may include fixed fees, as well as fees based upon assets
under management. Additionally, certain of BPP's Supervised Persons, in their individual capacities,
may offer securities brokerage services and insurance products under a separate commission
arrangement.

Financial Planning Fees

BPP generally charges a negotiable fixed fee to provide clients with stand-alone financial planning
services. These fees are largely determined by the scope and complexity of the agreed upon services
and range from $3,000 to $20,000 on a fixed fee basis.

The specific terms and fee structure are negotiated in advance and set forth in the Agreement with
BPP. Generally, BPP requires one-half of the financial planning fee payable upon execution of the
Agreement and the balance due at the time the financial plan is delivered or the underlying services are
rendered to completion. If the client engages BPP for additional investment advisory services, BPP
may offset all or a portion of its fees for those services based upon the amount paid for the financial
planning and/or consulting services.

Investment Management Fees

BPP provides investment management services for an annual fee based on the amount of assets under
the firm's management. This fee varies between 75 and 155 basis points (0.75% – 1.55%) using a
blended rate, depending upon the size of a client's portfolio and the type of services rendered.

Fees are charged quarterly in advance based upon the asset values on the last day of the previous
calendar quarter. The first advisory fee will be assessed on a pro rata basis taking into account the
time for which the account was not managed by the firm. Upon termination of a managed account
agreement, the client will be refunded a pro-rata portion of the fees paid in advance for any unearned
fees that were paid. Fees to the firm are generally negotiable at BPP's discretion.

Additions to and withdrawals from client Assets may be made at any time, subject to
BPPs right to terminate services regarding Assets. If more than $100,000 in Assets are deposited
after the beginning of a Billing Period, the Wealth Management Fee will be prorated based
on the number of days remaining in the Billing Period. If you withdraw more than $100,000
in a Billing Period, we will credit our unearned Wealth Management Fee towards the next
Billing Period’s Wealth Management Fee. All withdrawals are subject to customary
securities settlement procedures.”

Fees are deducted from the client account by the qualified account custodian, pursuant to written
authorization by the client, and payment of the fee is reflected in the custodian's statement.

Family Office Services Fees

Fees for Family Office Services are charged on an hourly rate. A fixed fee of $60 per hour is billed and payable
after services are rendered.

Fee Discretion

BPP, in its sole discretion, may negotiate to charge a lesser fee based upon certain criteria, such as
anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be
managed, related accounts, account composition, pre-existing client relationship, account retention
and pro bono activities.

Additional Fees and Expenses

In addition to the advisory fees paid to BPP, clients may also incur certain charges imposed by other
third parties, such as broker-dealers, custodians, trust companies, banks and other financial institutions
(collectively "Financial Institutions"). These additional charges may include securities brokerage
commissions, transaction fees, custodial fees, fees charged by the Independent Managers, charges
imposed directly by a mutual fund or ETF in a client's account, as disclosed in the fund's prospectus
(e.g., fund management fees and other fund expenses), deferred sales charges, odd-lot differentials,
transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts
and securities transactions.

Fee Debit

Clients may grant BPP the authority to directly debit their accounts for payment of the Firm's investment
advisory fees. The Financial Institutions that act as qualified custodian for client accounts have agreed
to send statements to clients not less than quarterly detailing all account transactions, including any
amounts paid to BPP. Alternatively, clients may elect to have BPP send them an invoice for direct
payment.

Account Additions and Withdrawals

Clients may make additions to and withdrawals from their account at any time, subject to BPP's right to
terminate an account. Additions may be in cash or securities provided that the Firm reserves the right
to liquidate any transferred securities or decline to accept particular securities into a client's account.
Clients may withdraw account assets on notice to BPP, subject to the usual and customary securities
settlement procedures. However, BPP designs its portfolios as long-term investments and the
withdrawal of assets may impair the achievement of a client's investment objectives. BPP may consult
with its clients about the options and implications of transferring securities. Clients are advised that
when transferred securities are liquidated, they may be subject to transaction fees, fees assessed at the
mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications.

Commissions or Sales Charges for Recommendations of Securities

Clients can engage certain persons associated with BPP (but not BPP) to render securities brokerage
services under a separate commission-based arrangement. Clients are under no obligation to engage
such persons and may choose brokers or agents not affiliated with BPP.

Under this arrangement, the Firm's Supervised Persons, in their individual capacities as registered
representatives of Mutual Securities, Inc. ("Mutual Securities"), provide securities brokerage services and
implement securities transactions.
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Item 7 Types of Clients
BPP provides its services to individuals, pension and profit sharing plans, trusts, estates, charitable
organizations, corporations and other business entities.

No Minimum Account Requirements

BPP does not impose a stated minimum fee or minimum portfolio value for starting and maintaining an
investment management relationship. Certain Independent Managers may, however, impose more
restrictive account requirements and varying billing practices than BPP. In these instances, BPP may
alter its corresponding account requirements and/or billing practices to accommodate those of the
Independent Managers.