Item 5: Fees & Compensation
A copy of Insight Wealth’s Form ADV, Part 2A, & Part 2B Disclosure Brochure will be provided to clients
before or upon execution of an Investment Advisory Contract. Unless a client has received the Firm’s
Disclosure Brochure at least 48 hours before signing their Investment Advisory Contract, the Investment
Advisory Contract may be terminated by the client within five (5) business days of contract execution,
without incurring any advisory fees.
Fee Disclosure
Insight Wealth’s Advisory Fee payment is dependent upon the type of advisory services performed.
Description of Advisory Fees
Wealth Management Services
Insight Wealth, in its discretion, may negotiate fees based on individual client account criteria such as
anticipated future assets, a client’s unique circumstances, and additional services performed. Advisory Fees
charged are based on a percentage of the client’s assets under management. In certain circumstances, all
fees, account minimums and their applications to family circumstances may be negotiable.
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Advisory Fees are established on a client-by-client basis, and the specific manner in which Insight Wealth
charges its fees is established in each client’s written Investment Advisory Agreement. Generally, clients
will be invoiced in advance at the beginning of each calendar quarter based upon the value (market value
based on independent third-party sources, or fair market value in the absence of market value).
Adjustments will be made for deposits and withdrawals during the quarter. Client account balances on
which Insight Wealth calculates fees may vary from custodial account statements, based on independent
valuations and other accounting variances, including mechanisms for including accrued interest in account
statements, of the client’s account at the end of the previous quarter. New accounts are charged a prorated
fee for the remainder of the quarter in which the account is incepted (date of first trade).
Fee Negotiation Availability
Insight Wealth generally requires a minimum fee of $22,500 for Wealth Management Services. This
minimum fee may be negotiable under certain circumstances. To the extent that fees are negotiable, some
clients may pay more or may pay less than other clients for the same advisory services, depending, but not
limited to, account inception date, number of related investment accounts, or total assets under
management. At Insight Wealth’s discretion, all accounts for members of the client’s family (husband, wife
and dependent children) or related businesses may be assessed fees based on the total balance of all
accounts. Lower fees for comparable services can at times, be available from other sources. Our firm bills
on cash unless indicated otherwise in writing.
Clients may incur transaction fees for trades executed by their chosen custodian via individual transaction
charges. Our firm’s recommended custodian, Charles Schwab & Co., Inc. (“Schwab”), does not charge
transaction fees for U.S. listed equities and exchange traded funds. Insight Wealth’s fees are exclusive of
brokerage commissions, transaction fees, and other related costs and expenses which shall be incurred by
the client. Clients may incur certain charges imposed by custodians, brokers, third-party investments and
other third parties such as fees charged by managers, custodial fees, odd-lot differentials, transfer taxes,
wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Mutual funds and exchange-traded funds also charge internal management fees, which are
disclosed in a fund’s prospectus. These fees will generally include a management fee and other fund
expenses.
All fees paid to Insight Wealth for investment advisory services are separate and distinct from the fees and
expenses charged by mutual funds and ETFs to their shareholders. Such charges, fees, and commissions
are exclusive of and in addition to Insight Wealth’s fee, and Insight Wealth shall not receive any portion of
these commissions, fees, and costs.
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Advisory Fees
Wealth Management Services
The annual fee for Insight Wealth Management Services will be charged as a percentage of assets under
management, according to the schedule below:
ASSETS UNDER MANAGEMENT ANNUAL FEE (%)
On the First $1,000,000 1.25%
On the Next $2,000,000 1.00%
On the Next $2,000,000 0.80%
On the Next $5,000,000 0.70%
On all amounts after that 0.50%
Or $22,500, whichever is greater
Note: Lower fees for comparable services can at times, be available from other sources.
• The client’s independent custodian sends statements at least quarterly showing the market values
for each security included in the Assets and all account disbursements, including the amount of the
advisory fees paid to our firm;
• Clients will provide authorization permitting our firm to be directly paid by these terms. Our firm
will send an invoice directly to the custodian; and
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