IP Financial Advisory Services LLC

Item 5 – Fees and Compensation
Fees for Advisory Services

IP Financial Advisory Services LLC. advisory fees vary depending on the type of advisory program. The following are the three
types of advisory programs and the fees associated with each program.

Fees for Consulting Services/Financial Planning

Clients may enter into a consulting agreement with IP FINANCIAL ADVISORY SERVICES LLC and our representatives on a
negotiated hourly, flat, recurring, or fixed fee rate. If fees are charged on an hourly basis, they may not exceed $500 per hour. These
services will typically be completed inside of a six-month period. Services that are administered on a recurring basis will continue
based on the agreed timeline and contract with the client. Clients receiving consulting services are required to pay fees at the time
of service or upon billing. Consulting fees should be paid directly by the client and by check and should be made payable to IP
FINANCIAL ADVISORY SERVICES LLC. At no time, should a client make a check payable to their representative or the
representative's "doing business as" name.

The Firm and the representatives of IP FINANCIAL ADVISORY SERVICES LLC may provide consulting services on a one-time
or continuing basis to qualified retirement plans. In addition to the hourly, flat, recurring, or fixed-fee rate, representatives may
charge a consulting fee as a percentage of assets under management. The maximum annual account consulting fee, when charged as
a percentage of assets under management, is 3% and is negotiable.

The Assets Under Management Fee Schedule is as follows:

Amount                                    Annual Fee

Less than $10,000                         1.25% to 3 %
$25,000 to $100,000                       1.00% to 2.75
$100,000 to $250,000                      0.75% to 2.50%
Greater than $250,000                     0.50% to 2.00 %

At our discretion and in negotiation with any particular client, we may charge a fee that may be lower than indicated in the above
schedule.

                           IP Financial Advisory Services LLC: Form ADV, Part 2A

Clients may incur brokerage and other transaction costs. Clients can review Item 12 of the brochure regarding brokerage services.

The client may cancel the agreement by providing written notice and receive a full refund within five (5) business days after signing
the agreement. If the client terminates the agreement prior to completion of the plan, the client may receive a pro-rated refund. If
the client is unsatisfied with a written financial plan, he/she may request in writing a full refund of his/her fee within 90 days of the
plan's presentation.

Fees paid in advance but not earned by the Advisor or any affiliate and require refund, on a prorated basis upon termination will be
calculated in accordance with the terms of the client’s agreement Example:
If the client was charged $900.00 in fees for the quarter and IP FINANCIAL ADVISORY SERVICES LLC was only engaged for
30 days in the quarter. Assuming the fourth quarter has 92 days the client would be entitled to a refund of 62/90 x 900 or $620.00
The consulting and financial planning services include the following items which are not covered under our assets under
management services:
          Actuarial Analysis
          Stochastic Analysis
          Risk Analysis
          Charitable Lead Annuity Tax Planning
          Structured Tax Planning
          Income and Withdrawal Planning
          Benefit and Compensation Planning
          Life, Health, and Disability Analysis
          Long Term Care Insurance Analysis
          Supplemental Executive Retirement Planning
          Estate and Gift Tax Planning
          Charitable Planning
          Business Succession Planning

These are the key differences between our consulting/financial planning services and our assets under management services.
Accordingly, there are different fee structures. Please see the TPIA and Custodian Fees under the respective headings in this
document.

Fees

Hourly fees – up to a maximum of $500.00 per hour
Fixed Fee/Flat Fees - $500.00 - $20,000.00 per plan

Note: Lower fees for comparable services may be available from other sources.
Financial planning and consulting services are paid at time of service or upon billing.

Financial planning advice combined with investment advisory services for plans including Charitable Lead Annuity Trusts could
be charged a fee of $20,000.00.

Fees for Third-Party Investment Advisor Programs

                             IP Financial Advisory Services LLC: Form ADV, Part 2A

IP FINANCIAL ADVISORY SERVICES LLC and our representatives are compensated for referring clients to the TPIA
programs. This compensation generally takes the form of the TPIA sharing a percentage of the advisory fee the client pays to
them with IP FINANCIAL ADVISORY SERVICES LLC and his/her representative.

Fees are calculated and collected by the selected TPIA which shall then be responsible for delivering our portion of the client fee to
IP FINANCIAL ADVISORY SERVICES LLC.

A complete explanation of the TPIA fees, services, reporting, and minimums are disclosed with the TPIA's disclosure documents.
At the time of referral and prior to a client entering into an agreement with a TPIA, our representatives arrange for the ADV Part
2A and other material relative to the advisory services to be provided to the client. The TPIA Fees may or may not be negotiable.
Terminations are dictated by the TPIA and can be found in the TPIA documents.

Additional charges that clients may incur include, but are not limited to: sales loads, 12b-1 fees, surrender charges, transactional fees,
and miscellaneous account fees. IP FINANCIAL ADVISORY SERVICES LLC does not receive any portion of such fees or
commissions. IP FINANCIAL ADVISORY SERVICES LLC is compensated by the advisory fees as noted above. IP FINANCIAL
...

Item 7 – Types of Clients
IP FINANCIAL ADVISORY SERVICES LLC generally provides advisory services to the following types of clients:
         Individuals (other than high net worth individuals)

         High net worth individuals

         Pension and profit-sharing plans (other than plan participants)

         Corporations or other businesses not listed above

         Charitable organizations

         State or municipal government entities
The majority of our clients are retail clients that fall under the "individuals (other than high net worth individuals)" category. This
category includes, but is not limited to: individual, joint, trust, IRA, 401(k) participant, and custodial accounts.
As previously disclosed in Item 5, our firm has established certain initial minimum account requirements based on the nature of the
service(s) being provided. In some cases, account balances may be combined at the household level to satisfy the account minimums.
At our discretion, IP FINANCIAL ADVISORY SERVICES LLC may waive these minimums.

         $25,000 account minimums.

         Account minimums for third-party investment advisor programs generally range from $25,000 to $50,000.