Financial Planning Navigators Corp

ITEM 5: FEES AND COMPENSATION

Please note, unless a client has received the firm’s Disclosure Brochure at least 48 hours prior to signing
the investment advisory contract, the investment advisory contract may be terminated by the Client within
five (5) business days of signing the contract without incurring any advisory fees.
Investment Management Services
Adviser’s Investment Management fee is based on the market value of assets and is calculated as a tiered
fee according to the below listed fee schedule. The annual fees are negotiable. Families may use combined
AUM totals for billing purposes.

            Account Value                                         Annual Advisory Fee
            $0 - $500,000                                         1.50%
            $500,000 - $1,000,000                                 1.25%
            $1,000,001 - $2,000,000                               1.05%
            $2,000,001 - $4,000,000                               0.95%
            $4,000,001 - $6,000,000                               0.85%
            $6,000,001 - $8,000,000                               0.75%
            $8,000,001 - $10,000,000                              0.70%
            $10,000,001 - $15,000,000                             0.65%
            $15,000,001 - $20,000,000                             0.55%
            $20,000,001 - $40,000,000                             0.50%
            $40,000,001 - $75,000,000                             0.45%
            $75,000,001 - $150,000,000                            0.43%
            $150,000,000+                                         0.40%

Rollover-Related Compensation and Conflicts of Interest

The Adviser and its supervised persons generally receive compensation for providing ongoing investment
advisory services to IRAs and other non-plan accounts. As a result, the Adviser has a financial incentive to
recommend that a retirement plan participant roll assets out of an employer-sponsored retirement plan and
into an account managed by the Adviser, rather than leaving assets in the plan.

This incentive represents a conflict of interest. The Adviser seeks to address this conflict by evaluating
rollover recommendations in light of the retirement investor’s circumstances and by providing disclosures
regarding compensation and material conflicts of interest. Compensation for advisory services is intended
to be reasonable in relation to the services provided.

The Adviser does not represent that a rollover is required or appropriate for all investors and does not
guarantee that a rollover will result in better investment outcomes.

Third-Party Managers and Sub-Advisors
When FPN recommends a Sub-Advisor, the Client shall authorize and direct the Custodian (as defined) to
pay to Sub-Advisor the Management Fee out of the Account upon the Custodian's receipt of a statement
from the Sub-Advisor. Please note, the Sub-Advisor’s fee will be charged separately, and in addition to
FPN’s fee. Client will sign a separate contract with each Sub-Advisor, stipulating the frequency and
amount of payments, as well as the calculation used to assess the advisory fee. In no case with the
aggregate fee charged for Investment Management services exceed 2% of Assets under Management.

Financial Planning Services
Adviser’s Financial Planning fees are negotiable based on the type of services provided and the needs of
the client and are notated on the financial planning agreement. In most cases, financial planning services
are included in the above Investment Management fee. When this is the case, this will be clearly notated
on the client contract.

Ongoing Financial Planning consists of an upfront charge ranging between $3,000 and $15,000, and an
ongoing fee that ‘is paid monthly, in advance at the rate ranging between $150-$1,000 per month. The fee
may be negotiable in certain cases. Fees for this service may be paid by electronic funds transfer or check.

With Project-based financial planning, the fee will be agreed upon before the start of any work. The fixed
fee can range between $3,000 and $15,000 There may be an additional upfront onboarding fee for project-
based financial planning services which will not exceed the above listed fee range. When applicable, the
onboarding fee will be clearly notated on the financial planning agreement.

Retirement Plan Fees and Services

The Adviser provides investment advisory and related fiduciary services to Retirement Plans. Fees for
Retirement Plan services are disclosed in a written agreement with the plan sponsor and may be structured

as an asset-based fee, a fixed or flat fee, or a combination thereof, as permitted under the governing plan
documents and applicable law. Fees may be paid by the plan or by the plan sponsor.

Asset-based Retirement Plan fees are generally calculated as a percentage of plan assets under
management and are assessed pursuant to the following tiered schedule, which is negotiable:

                 Account Value                                          Annual Advisory Fee
                 $0 - $500,000                                          0.75%
                 $500,001 - $3,000,000                                  0.50%
                 $3,000,001 - $5,000,000                                0.45%
                 $5,000,001 - $10,000,000                               0.40%
                 $10,000,001 and Above                                  Negotiable

Retirement Plan advisory fees are typically billed quarterly, either in advance or in arrears, as specified in
the applicable agreement. Fees may be deducted directly from plan or client accounts at the custodian, or
the client may elect to remit payment by check or electronic funds transfer. Upon termination of a
Retirement Plan engagement with at least 30 days’ written notice, any unearned advisory fees will be
prorated and refunded, consistent with the terms of the governing agreement.
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ITEM 7: TYPES OF CLIENTS

We provide investment advice to individuals, high net-worth individuals, pension and profit-sharing plans,
charitable organizations, and corporations or other businesses.
We do not have a minimum account size requirement.