Integrated Planning & Wealth Management LLC

Item 5: Fees and Compensation
  A.​ Adviser is compensated for its advisory services primarily by fees charged based on a client’s
      assets under management with Adviser. Fees are negotiable, and each client’s specific fee
      schedule is included as part of the investment advisory agreement signed by Adviser and the
      client.​
      ​
      Adviser’s standard fee schedule is included below, subject to negotiation with a client:​

           Client Assets Under Management                                 Annual Fee Percentage
                                                                             (paid quarterly)
                      $0 - $500,000                                               1.25%
                  $500,001 - $1,000,000                                           1.00%
                 $1,000,001 - $3,000,000                                          0.75%
                 $3,000,001 - $5,000,000                                          0.55%
                     Over $5,000,000                                              0.35%

      The fee schedule above is a “cliff’ or “breakpoint” fee schedule, which means that all client assets
      under Adviser’s management are charged the same corresponding annual fee percentage based
      on the total client assets designated to be under Adviser’s management. Fees are deducted in
      arrears on a quarterly basis from clients’ assets and based upon the average daily balance of
      such assets managed by Adviser during the prior calendar quarter. Outstanding margin balances
      and cash are included in the assets upon which fees are assessed.​
      ​
      In addition, ‘held-away’ assets and accounts that are not maintained by our recommended
      custodian (typically a retirement plan account) but designated to be under our management are
      charged a flat asset-based fee of 0.75% per annum, charged quarterly in arrears based on the
      average daily balance of such held-away assets under our management, and deducted from a
      client’s other accounts under our management and maintained at our recommended custodian.​
      ​
      To the extent a Third-Party Adviser has been retained to manage all or a portion of a client’s
      account, such Third-Party Adviser will generally charge additional fees as separately disclosed to
      such client from time to time. As of the date of this brochure, the additional fees charged by
      Dimensional to clients range from 0.00% to 0.29% per annum, charged quarterly in arrears based
      on the average daily value of assets designated to be under Dimensional’s management during
      the prior calendar quarter and depending on the underlying asset types to be managed by
      Dimensional.

      Fees are prorated from the date assets are first designated to be under Adviser’s management
      through the date of termination. If Adviser or client terminates the advisory agreement before the
      end of a quarterly billing period, the pro rata fees earned through the effective date of the
      termination will be billed to the client.

  B.​ Adviser offers an annual fixed fee program for financial planning services. The annual fee
      generally ranges between $1,800 and $60,000. The annual fee is typically paid on a monthly
      basis in advance; however, clients may request an alternate payment schedule, the acceptance
      of which is at Adviser’s discretion. All fees are negotiable depending upon the complexity and
      scope of the plan, your financial situation, and your objectives. In some situations, we may offer
      financial planning services and investment management services under one bundled fee.

      Financial planning fees you incur will be billed to you. You will receive an invoice for all financial
      planning services which are due within 60 days from receipt of the invoice.

                                       Date of Brochure: March 30, 2026

    You will incur a pro rata charge for financial planning services rendered prior to the termination of
    our agreement, which means you will incur advisory fees only for the services rendered, and you
    will receive a refund via AdvicePay of excess fees paid (if any).

C.​ Adviser’s fees for pension consulting services will be negotiated with the plan sponsor or named
    fiduciary on a case-by-case basis, but the annual fee generally ranges from 0.25% to 0.50%,
    charged either monthly or quarterly in arrears as of the last business day of the prior billing period
    and based on the average daily value of plan sponsor’s accounts during the prior calendar billing
    period. Pension consulting services are subject to a one-time setup fee of $1,500.

D.​ In addition to the fees charged by Adviser, clients will incur brokerage and other transaction costs.
    Please refer to Item 12: Brokerage Practices, for further information on such brokerage and other
    transaction-related practices. Clients will also typically incur additional fees and expenses
    imposed by independent and unaffiliated third-parties, which can include qualified custodian fees,
    mutual fund or exchange traded fund fees and expenses, mark-ups and mark-downs, spreads
    paid to market makers, wire transfer fees, check-writing fees, early-redemption charges, certain
    deferred sales charges on previously-purchased mutual funds, margin fees, charges or interest,
    IRA and qualified retirement plan fees, and other fees and taxes on brokerage accounts and
    securities transactions. These additional charges are separate and apart from the fees charged
    by Adviser.

E.​ Neither Adviser nor any of its supervised persons accepts compensation for the sale of securities
    or other investment products.

                                    Date of Brochure: March 30, 2026

Item 7: Types of Clients
Adviser generally provides its services to individuals, high-net-worth individuals, pension and profit
sharing plans, and small businesses.

While Adviser specializes in providing financial and retirement planning for optometric practice owners,
clients need not be optometric practice owners in order to open and maintain an account with Adviser.

Adviser generally works with optometric practice owners with a trailing 12-month revenue of $850,000 or
more, but reserves the right to reduce or waive this threshold at its sole and absolute discretion.

Adviser charges a minimum fee of $500 to enter into a pension consulting arrangement. At its discretion,
Adviser may waive the minimum fee.

                                        Date of Brochure: March 30, 2026