Invenio Wealth Partners LLC

ITEM 5 - FEES AND COMPENSATION

Fee Schedule & Billing Method
IWP bases its fees on a percentage of assets under management or under advisement, fixed fees, or fixed
retainer fees. Some retainer agreements may be priced based on the complexity of work, especially when
asset management is not the most significant part of the relationship. Financial plans are priced according
to the degree of complexity associated with the client’s situation.
IWP, in its sole discretion, may waive its minimum fee and/or charge a lesser investment advisory fee based
upon special criteria or circumstances.

Wealth Management Services
The annual management fee for our Wealth Management Services, which may include Financial Planning,
is based on the total dollar asset value of the assets maintained in your account. The fee assessed and/or
charged is based on what is stipulated in the Advisory Agreement signed by each client. This may include a
minimum quarterly fee.

Our annual fee ranges up to 1.10% annually and is assessed and/or charged quarterly in advance, meaning
that we invoice you at the beginning of the three-month billing. Payment in full is expected upon invoice
presentation. With the client’s prior approval, fees are deducted from a designated client account to allow
IWP to provide performance reporting net of all fees.

 Invenio Wealth Partners, LLC - Disclosure Brochure                                         January 1, 2026 – v3

The annual Wealth Management fee is based on a percentage of the investable assets according to the
following schedule, subject to a minimum annual fee of $12,500.00:
                                   First $2,500,000 ............................ 1.10%
                                   Next $7,500,000........................... 0.90%
                                   Next $10,000,000.......................... 0.60%
                                   Next $75,000,000.......................... 0.50%

The minimum portfolio size for Wealth Management Services is $1,000,000. This amount is negotiable
under special circumstances (e.g., historical relationship, type of assets, anticipated future earning
capacity, anticipated future additional assets, related accounts, account composition, negotiations with
clients, family members, etc.).
We may also negotiate the amount of your fee depending upon circumstances including but not limited to
account composition and complexity, other client, employee, or family relationships, etc. or where a client
is referred to us through a referral relationship as described in the section on Client Referral and Other
Compensation, which may result in different fees being charged by us for client accounts similar in
composition and objectives. Our employees and their family-related accounts may be charged a reduced
fee, or no fee, for our services. Current client relationships may exist where the fees are higher or lower
than the fee schedule above.
Although the Advisory Agreement is an ongoing agreement, the client or the wealth manager may at any
time terminate the Advisory Agreement by written notice to the other party. At termination, fees will be
credited on a pro rata basis for the portion of the quarter not completed. There is no additional termination
fee.

The annual fee for an Investment Advisory Agreement is the same as the Wealth Management fee schedule
above.

Billing on Cash Positions
As mentioned in the previous section, IWP treats cash as an asset class. As such, all cash positions (money
markets, etc.) shall be included as part of assets under management for purposes of calculating IWP’s
advisory fee. At any specific point in time, depending upon perceived or anticipated market
conditions/events (there being no guarantee that such anticipated market conditions/events will occur),
IWP may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash,
such amounts could miss market advances. Depending upon current yields, at any point in time, IWP’s
advisory fee could exceed the interest paid by the client’s money market fund.

Fee Dispersion
IWP generally requires assets under management of $1 million for Wealth Management services. IWP, in
its discretion, may waive its Wealth Management minimum, charge a lesser investment advisory fee,
charge a flat fee, waive its fee entirely, or charge the fee in arrears instead of in advance, based upon
certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount
of assets to be managed, related accounts, account composition, complexity of the engagement,

 Invenio Wealth Partners, LLC - Disclosure Brochure                                          January 1, 2026 – v3

anticipated services to be rendered, grandfathered fee schedules, employees and family members,
courtesy accounts, competition, negotiations with client, etc.). Please Note: As result of the above, similarly
situated clients could pay different fees. In addition, similar advisory services may be available from other
investment advisors for similar or lower fees.

IWP does not charge or reimburse for intra-quarter asset additions or withdrawals by existing clients.

Consulting Services
In addition to the advisory fees paid, IWP may provide financial planning and/or consulting services to the
Client regarding the management of the Client’s financial resources, which is based upon an analysis of the
Client’s current personal and financial situations, goals, and objectives. The fee assessed and/or charged
is based on what is stipulated in the Advisory Agreement signed by each client. Consulting fees range from
0.15% to 0.50%, depending on the unique nature of the engagement. Factors to be considered include the
number of accounts, the nature and size of the assets, custodial arrangements, frequency, and location of
meetings. The minimum annual consulting fee is $25,000.
...

ITEM 7 - TYPES OF CLIENTS
The Firm provides asset management, financial consulting, ERISA plan advisory & consulting, investment
advisory consultation, and selection of Independent Managers and/or Sub-Advisor. Our services are
provided on a discretionary and non-discretionary basis to a variety of clients, such as individuals, including
high net- worth individuals, 401(k), pension and profit-sharing plans, 403(b), trusts, estates, and charitable
organizations, corporations, or business entities. In addition, we may also provide advisory services to
entities such as pension and profit-sharing plans, businesses, and other investment advisers.
Client relationships vary in scope and length of service.

Account Requirements
The minimum portfolio size for Wealth Management services is $1,000,000. Accounts of less than
$1,000,000 may be accepted when the client and the advisor anticipate the client will add additional funds
to the accounts bringing the total to $1,000,000 within a reasonable time. Other exceptions will apply to
employees of IWP and their relatives, or relatives of existing clients.

IWP, may charge a lesser investment advisory fee, waive, or modify its asset minimum, charge a flat fee, or
waive its fee entirely based upon certain criteria (i.e. anticipated future earning capacity, anticipated future
additional assets, dollar amount of assets to be managed, related accounts, account composition,
complexity of the engagement, grandfathered fee schedules, IWP employees and family members,
courtesy accounts, competition, negotiations with client, etc.). Please Note: As a result of the above,
similarly situated clients could pay different fees. In addition, similar advisory services may be available
from other investment advisers for similar or lower fees.

 Invenio Wealth Partners, LLC - Disclosure Brochure                                          January 1, 2026 – v3