Financial Insights Inc

ITEM 5: FEES AND COMPENSATION                           (CONTINUED FROM PG 8)

 WEALTH MANAGEMENT SERVICES
 Our annual wealth management fee is based on a percentage of assets under management according
 to the following fee schedule:

                 TOTAL ASSETS UNDER MANAGEMENT                       ANNUAL FEE
                               0 - $1,000,000                            1.00%
                           $1,000,001 - $5,000,000                       0.75%
                          $5,000,001 - $10,000,000                       0.50%
                             Over $10,000,000                            0.25%
                             Over $15,000,000                            0.15%

 Clients must maintain a minimum account balance of $500,000 for our Wealth Management Services. This
 minimum may be reduced or waived at our discretion. The above fee schedule is a blended (graduated)
 tier, meaning only the portion of assets within each tier is charged at that tier’s rate. For example, the first
 million will be charged 1.0%, and the next 4 million will be charged 0.75%.

 Our firm’s annualized fees are billed in advance based on the value of your account on the last day of the
 previous quarter. Fees may vary based upon the complexity of a client’s situation and the level of service
 given to each client. In certain circumstances, all fees may be negotiable. A lower fee may be charged for
 a fixed income and/or cash portfolio. For non-profit organizations, Financial Insights offers a discount
 rate of 0.50% for Simple IRAs, 403b plans and endowments.

 As part of this billing process, the client's custodian is advised of the amount of the fee to be deducted
 from that client's account. On at least a quarterly basis, the custodian is required to send to the client a
 statement showing all transactions within the account during the reporting period.

 Wealth management fees are calculated based on an annual rate and paid in quarterly increments in
 advance. The initial quarterly fee is prorated based on the number of days in the calendar quarter after
 inception of the account, as specified in the terms of the Wealth Management Agreement. To calculate
 the quarterly fee, the aggregate dollar amount of the client’s account(s) based on the quarter ending
 values on the last business day of the months of March, June, September and December is multiplied by
 the Annual Wealth Management Fee (listed above) then divided by four.

 For purposes of determining fees, accounts that meet the criteria for related accounts may be aggregated
 to determine if a lower fee will apply. Related accounts are: (i) accounts of an individual, their household
 members, and trusts; (ii) business under common ownership; or (iii) other accounts at the discretion of
 the Advisor.

 No fee will be credited to the client for the current calendar quarter should any withdrawals from the
 Investment Account occur in the same calendar quarter. Clients may terminate the services of Financial
 Insights upon 30 days written notification and will be entitled to a prorated refund, based on the number
 of calendar days remaining in the billing period. Fees will be debited from the account in accordance with
 the client authorization in the Wealth Management Agreement by the custodian(s).

 Because mutual funds and ETFs pay advisory fees to their managers and such fees are therefore indirectly
 charged to all holders of mutual fund shares, clients with mutual funds in their portfolios are effectively
 paying both our advisory fee and their mutual fund manager for the management of their assets. Certain
 mutual funds, in which clients may invest, distribute payments to broker-dealers or custodians. Such
 payments may be distributed pursuant to a 12b-1 distribution plan or other such plan as compensation
 for administrative services and are distributed from the fund’s total assets. Neither Financial Insights nor
 any of its officers and employees will receive, nor may they legally receive, any such payments

                                                                          Form ADV Part 2A • March, 2026 • Page 10
W E A LT H M A N AG E M E N T

ITEM 5: WEALTH MANAGEMENT SERVICES                               (CONTINUED FROM PG 9)

 Custodians of client’s assets may receive expense reimbursements from some mutual fund companies
 in an amount equal to the 12b-1 fees. Receipt of this revenue may directly offset some of the custodial
 and transaction costs that otherwise could have been charged to Financial Insights or the clients. Any
 such relief from the payment of custodial and transaction charges by Financial Insights will not result in
 a credit to clients.

 In certain circumstances, fees, account minimums and payment terms are negotiable depending on the
 client’s unique situation – such as the size of the aggregate related party portfolio size, family holdings,
 low cost basis securities, or certain passively advised investments and pre-existing relationships with
 clients.

 Certain clients may pay more or less than others depending on the amount of assets, type of portfolio,
 or the time involved, the degree of responsibility assumed, complexity of the engagement, special skills
 needed to solve problems, the application of experience and knowledge of the client’s situation.

 In certain cases, when Independent Managers are used to manage all or a portion of a client’s
 investment portfolio, the client may pay the Independent Manager directly based on the executed
 agreement the client has with the Independent Manager or Financial Insights may pay Independent
 Managers based on the agreement between Financial Insights and the Independent Manager. Any
 additional fees paid by the client will be agreed upon by all parties and disclosed to the client prior to
 any fee deduction. On a case-by-case basis, Financial Insights may choose to absorb fees paid to
...

ITEM 7: TYPES OF CLIENTS AND ACCOUNT REQUIREMENTS
 Financial Insights provides advisory services to the following types of clients: individuals, including high
 net worth individuals, employee benefit plans, trusts, estates, charitable organizations, and corporations
 or other businesses.

 Our requirements for opening and maintaining accounts or otherwise engaging us:

        We require a minimum account balance of $500,000 for our Wealth Management Services. Generally, this
        minimum account balance requirement is negotiable.

                                                                           Form ADV Part 2A • March, 2026 • Page 13
W E A LT H M A N AG E M E N T