Summit Wealth & Retirement Planning Inc

Item 5: Fees and Compensation
  A.​ In consideration of its financial planning services, Adviser generally charges a flat annual fee that
      ranges from $2,500 to $100,000 per year, charged in quarterly increments in advance. The
      specific financial planning fee to be charged to a client will vary based on multiple factors, which
      may include the nature and complexity of the client’s financial situation, the specific financial
      planning deliverables to be provided, and the anticipated time in performing the requisite financial
      planning analyses. The specific financial planning fee to be charged is typically established after
      one or two complimentary meetings with the client.​
      ​
      In consideration of its investment management services, Adviser generally charges an annual
      asset-based fee based on a client’s assets designated to be under our management as reported
      by the client’s custodial broker-dealer (inclusive of cash, securities, and outstanding margin
      balances), charged quarterly in advance based on the value of such assets as of the last
      business day of the prior calendar quarter.​

      Adviser’s standard asset-based fee schedule for investment management services is set forth
      below:​

           Client Assets Under Management                                Annual Fee Percentage
                   Up to $10,000,000                                             1.00%
                   Above $10,000,000                                          Negotiable

      The asset-based fee schedule set forth above is a “tiered” or “blended” fee schedule, which
      means that different annual fee percentages will apply to different ranges of client assets under
      Adviser’s management.​
      ​
      Fees are negotiable, and each client’s specific fee schedule is included as part of the investment
      advisory agreement signed between us and the client. Certain clients may be charged pursuant
      to a “cliff” or “breakpoint” fee schedule with multiple different fee breakpoints that correspond to
      different levels of client assets under management. To the extent a Third-Party Adviser is
      engaged to manage all or a portion of a client’s account, an additional fee charged by the
      Third-Party Adviser as reflected in a separate agreement with the Third-Party Adviser will apply.​

  B.​ 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. Depending on the specific investment products held in a client’s
      account and the services provided, a client may also incur additional fees and costs charged by
      other independent and unaffiliated third-parties. Such additional fees and costs may include, but
      are not necessarily limited to, the internal fees and costs of an investment product (like a mutual
      fund or exchange traded fund), margin interest, account or asset transfer fees, subadvisory or
      third-party investment manager fees, account type fees, early redemption charges, market-maker
      or bid-ask spreads, retirement plan fees, trade-away or prime brokerage fees, fees for receiving
      paper copies of documents in lieu of electronically-delivered documents, and other fees and taxes
      on brokerage accounts and securities transactions. These additional charges are separate and
      apart from the fees charged by Adviser. Lower fees for comparable services may be available
      from other sources.

  C.​ If Adviser or client terminates the advisory agreement before the end of a quarterly billing period,
      Adviser’s fees will be prorated through the effective date of the termination. The pro rata fees for
      the remainder of the quarterly billing period after the termination will be refunded to the client.

  D.​ Certain of Adviser’s supervised persons are (i) registered representatives of Mutual Securities,
      Inc. (“MSI”), an independent and unaffiliated broker-dealer and member of the Financial Industry
      Regulatory Authority, and (ii) licensed as independent insurance agents. These roles will result in

                                      Date of Brochure: March 09, 2026

additional compensation in the form of commissions earned by the registered representatives and
licensed insurance agents. As initially referenced in Item 4, Adviser is under common control with
STPI and clients receiving tax and enrolled agent services from STPI will be charged additional
fees. For a further description of the additional fees and conflicts of interest associated with these
relationships, please refer to Item 10, below.

                                Date of Brochure: March 09, 2026

Item 7: Types of Clients
Adviser generally provides its services to individuals, high-net-worth individuals, business entities, and
charitable organizations. The minimum aggregate household account value required to open and
maintain an account with Adviser is generally $500,000, subject to negotiation. At our sole discretion, we
may accept clients with smaller portfolios based upon certain factors such as anticipated future earning
capacity, anticipated future additional assets, account composition, related accounts, and pre-existing
client relationships. Please note that the Third-Party Advisers retained by Adviser may separately impose
minimum account value requirements.

                                       Date of Brochure: March 09, 2026