WPWealth LLP

Item 5 – Fees and Compensation

When we provide investment advice to you regarding your retirement plan account or individual retirement
account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act
and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way
we make money creates some conflicts with your interests, so we operate under a special rule that requires
us to act in your best interest and not put our interest ahead of yours.

The fees charged are calculated as described herein and are not charged based on a share of capital gains
upon or capital appreciation of the funds or any portion of the funds of an advisory client (SEC Rule
205(a)(1)).

A client agreement may be canceled at any time by either party, for any reason upon receipt of a 30 days
written notice. Upon termination of any account, any prepaid, unearned fees will be promptly refunded to
the client, and any earned, unpaid fees will be due and payable.

All fees paid to WPWealth for investment advisory services are separate and distinct from the fees and
expenses charged by mutual funds, ETFs, Certificates of Deposit, Treasuries, Alternative Investments, and
Annuities to their shareholders or investors. These fees and expenses are described in each investment’s
prospectus or offering documents. These fees will generally include a management fee, other fund or
investment expenses, and a possible distribution fee. If the investment also imposes sales charges, a client
could pay an initial or deferred sales charge. A client could invest in a fund directly, without the services
of WPWealth. In that case, the client would not receive the services provided by WPWealth which are
designed, among other things, to assist the client in determining which fund or funds are most appropriate
to each client’s financial condition and objectives. Accordingly, the client should review both the fees
charged by the investments and the fees charged by WPWealth to fully understand the total amount of fees
to be paid by the client and to thereby evaluate the advisory services being provided.

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for the fees
and expenses charged by custodians and plan service providers, including, but not limited to, any
transaction charges imposed by a custodian with which an independent investment manager effects
transactions for the client's account(s).

Custodial selection is based on review of fees, expenses and costs while considering the products or services
provided. The custody and brokerage fees charged by other custodians could be higher or lower than the
fees charged by WPWealth’s selected custodians. The firm decided on the current custodians based on a
comparison of services, fees, costs, and products against other custodians while taking into account the
offerings or products the custodian provides that the firm and/or clients may require or find valuable. By
selecting fewer platforms, the firm can avoid additional compliance, recordkeeping, staffing, and
technological costs that may be associated with implementing procedures designed to work with multiple
custodial platforms. We believe this conflict is mitigated by the fact that the fees and expenses charged by
the custodian to the firm’s clients are competitive in the marketplace.

Please refer to Item 12 - Brokerage Practices of this Form ADV for additional information.

Minimum Account Requirements: Advisory clients are not subject to a minimum account requirement
however, WPWealth does impose a minimum annual advisory fee in effect at the time the client entered
the advisory relationship.

ERISA Accounts: WPWealth is not an “investment manager” as such term is defined in Section 3(38) of
ERISA. We will not have the power, discretion, or authority to manage, acquire, or dispose of any of a
qualified employee benefit plan’s (“plan”) assets. Any such decisions will be made by the plan and the
plan fiduciaries, after the plan’s and plan fiduciaries’ own independent consideration.

WPWealth is a fiduciary under ERISA §3(21) and provides investment advice for a fee. However,
WPWealth is a fiduciary only with respect to this non-discretionary investment advisory function, and not
regarding the administration of the plan or regarding participant education.

If Participant Education is considered to be investment advice under the terms of the Investment Advisers
Act of 1940, as amended (the “Advisers Act”), it is agreed that (i) the participant education service is
intended to be “impersonal advisory services” as defined in Rule 204-3 promulgated under the Advisers
Act, (ii) oral presentations or written materials provided under the participant education service will not be
designed to meet the investment objectives or needs of the plan(s) or any specific participant, and (iii) any
statistical information provided as part of the Participant Education service will contain no expression of
opinion as to the investment merits of any particular security.

WPWealth is deemed to be a fiduciary to advisory clients that are employee benefit plans under ERISA
§3(21) or individual retirement accounts (IRAs) pursuant to ERISA and regulations under the Internal
Revenue Code of 1986 (the “Code”), respectively, the firm is subject to specific duties and obligations
under ERISA and the Internal Revenue Code. These include among other things, restrictions concerning
certain forms of compensation. To avoid engaging in prohibited transactions, WPWealth only charges fees
for investment advice about products for which the firm and or its related persons do not receive any
commissions or 12b-1 fees, or conversely, investment advice about products for which the firm and or its

related persons receive commissions or 12b-1 fees, however, only when such fees are used to offset advisory
fees paid to WPWealth by the client.
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Item 7 – Types of Clients

WPWealth provides investment advisory and consulting services to the following types of clients:

       individuals
       partnerships
       trusts
       estates
       corporations
       charitable organizations
       non-profits
       retirement plans (pension, profit sharing, defined benefit and 401(k) plans)