Navigate Private Wealth LLC

Item 5: Fees & Compensation

    A. Description of how we are compensated for our advisory services provided to you.

         (i) Comprehensive Portfolio Management:

              Our firm’s standard fee schedule ranges on a sliding scale between 0.40% and 2.00% for
              clients with a total value for assets under management greater than $250,000. We evaluate
              the scope and complexity of our engagement with you based on the following factors: asset
              level and complexity based upon the number of accounts, frequency of communication with
              clients or other factors agreed upon with the client. If any or all advisory fee accounts within
              a household are combined to determine the advisory fee, the anticipated value of all accounts
              will be added together for the first factor; the other factors should be based on overall
              servicing for the accounts. The following two tables define the range of each factor.

              Standard Advisory Fee Calculation:

                                   Asset Level                   Fee Range
                                   $0 - $999,999                 1.50% - 1.00%
                                   $1,000,000 - $4,999,999       1.00% - 0.80%
                                   $5,000,000 - $14,999,999      0.80% - 0.60%
                                   $15,000,000 +                 0.60% - 0.40%

                                   Complexity                    Fee Range
                                   Low                           0.00% – 0.10%
                                   Medium                        0.10% - 0.25%
                                   High                          0.25% - 0.50%

              Our firm may charge an advisory fee in accordance with a different tiered fee schedule. In any
              case, the selected tiered fee schedule will not exceed the 2.00% maximum. The ultimate
              Comprehensive Portfolio Management fees shall be designated in the client agreement. To
              the extent you desire financial planning-related services, the specific nature of the services
              required shall be set forth in the Financial Planning & Consulting Agreement between our firm
              and you, for which services we shall be paid a separate and additional fee on an annual basis.

              Clients with accounts whose aggregated value sums up to less than $250,000 shall be
              managed upon obtaining the client’s consent to pay an advisory fee of $40 per account on an
              annual basis, paid monthly. The total cost to the client for our Comprehensive Portfolio
              Management service shall not exceed 3% of the client’s total assets under management and
              shall be designated in the client agreement.

Form ADV Part 2A – Firm Brochure                        Page 7                              Navigate Private Wealth LLC

         (ii) Financial Planning & Consulting:

              We charge an annual flat fee or an hourly fee for our firm’s Financial Planning & Consulting
              service. Our flat fees generally range from $400 to $20,000. Our hourly fees range from $150
              to $450 for junior and senior financial planners. A client whose Financial Planning &
              Consulting fee is estimated to exceed $20,000 shall be subject to review and approval by at
              least one of the firm’s managing members. The total estimated fee, as well as the ultimate fee
              that we charge you for this service, is based on the scope and complexity of our engagement
              with you and will be charged annually. The annual service would only be cancelled upon
              receipt of your written request for termination.

         (iii) Pension Consulting:

              We charge a flat fee for pension consulting services. The total estimated fee, as well as the
              ultimate fee that we charge you, is based on the scope and complexity of our engagement with
              you. Flat fees will be charged monthly for ongoing pension consulting services.

         (iv) Estate Planning & Consulting:

              We charge an initial one-time flat fee for Estate Planning services. The total cost for the estate
              plan shall not exceed $1,150. The estate plan shall include a trust, will, financial POA, medical
              POA, and your first Quit Claim Deed. Following completion of the estate plan, you shall have
              the option to engage our firm for Estate Planning and Consulting on an ala carte basis. Our
              firm will charge a one-time flat fee for ala carte services rendered. The one-time fee ranges in
              price from $50 to $250 depending on the services selected by you.

    B. Description of whether we deduct fees from clients’ assets or bill clients for fees incurred.

         (i) Comprehensive Portfolio Management:

              Our firm’s fees are billed on a pro-rata annualized basis monthly in arrears based on the time-
              weighted daily average value of your account during the previous month. Unless indicated
              otherwise in writing, our firm bills on cash. Fees will be automatically deducted from your
              managed account. In rare cases we may directly bill clients. As part of the automatic fee
              deduction process, please note following:

              a) Your qualified custodian sends statements at least quarterly to you showing the market
                 values for each security included in the Assets and all disbursements in your account
                 including the amount of the advisory fees paid to us;
              b) You provide authorization permitting us to be directly paid by these terms; and,
              c) If we send a copy of our invoice to you, it will include a disclosure urging you to compare
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Item 7: Types of Clients & Account Requirements

    We have the following types of clients:
       • Individuals and High Net Worth Individuals;

Form ADV Part 2A – Firm Brochure                   Page 10                                 Navigate Private Wealth LLC

         •    Trusts, Estates or Charitable Organizations;
         •    Pension and Profit Sharing Plans;
         •    Corporations, Limited Liability Companies and/or Other Business Types.

    Our requirements for opening and maintaining accounts or otherwise engaging us:
       • We require a minimum account balance of $250,000 for our Comprehensive Portfolio
           Management service. The only exception is for clients with accounts whose aggregated value
           sums up to less than $250,000 and agree to pay an advisory fee of $40 per account on an
           annual basis paid monthly. The total, annual cost to the Client shall not exceed 3% of the
           Client’s combined assets under management.

         Clients who opt into electronic delivery of statements or maintain at least $1 million in assets at
         Fidelity will not be charged transaction fees for U.S. listed equities and exchange traded funds.