Navigate Wealth Management LLC

Item 5: Fees and Compensation

   Fee Schedule

Asset-Based Fees for Portfolio Management

 Assets Under Management                             Fee Not to
                                                     Exceed

 First million ($0 - $1,000,000)                     1.50%

 Next $1.5 million ($1,000,001 - $2,500,000)         1.00%

 Next $2.5 million ($2,500,001 - $5,000,000)         0.75%

 Next $5 million ($5,000,001 - $10,000,000)          0.50%

 Assets in excess of $10,000,000                     0.40%

These fees are generally negotiable, and the final fee schedule is attached as Exhibit II of the
Investment Advisory Contract. Clients may terminate the agreement without penalty for a full
refund of Navigate's fees within five business days of signing the Investment Advisory Contract.
Thereafter, clients may terminate the Investment Advisory Contract generally with 10 days'
written notice.

Navigate bills based on the balance on the first day of the billing period, or based on the last day
of the previous billing period, depending on which platform is used.

Subadviser Services Fees

Navigate may also act as a subadviser to unaffiliated third-party advisers and Navigate would
receive a share of the fees collected from the third-party adviser’s client. The fees charged are
negotiable and will not exceed any limit imposed by any regulatory agency. This relationship
will be memorialized in each contract between Navigate and the third-party adviser.

Financial Planning Fees

Through the dba Abeona Wealth, the firm may offer financial planning services which are billed
either on an hourly basis or via flat fee. At Adviser’s sole discretion, fees for financial planning
services may be negotiable and generally range from $2,000 to $25,000. Hourly rates range
from $150 - $500. At no point will Adviser charge more than $1,200 in fees, six months or more
in advance.

    FIRM BROCHURE – Form ADV Part 2A

   Payment of Fees

Payment of Asset-Based Portfolio Management Fees

Asset-based portfolio management fees are withdrawn directly from the client's accounts with client's written
authorization on a quarterly basis or may be invoiced and billed directly to the client on a quarterly basis. Clients
may select the method in which they are billed.

Fees are paid in advance or in arrears, depending on the platform used.

Payment of Subadviser Fees

Subadviser fees may be withdrawn from client’s accounts or clients may be invoiced for such fees,
as disclosed in each contract between Navigate and the applicable third-party adviser.

    Prepayment of Fees

Navigate collects fees in advance or arrears based on the platform used. Refunds for fees paid in
advance will be returned within fourteen days to the client via check or return deposit back into the
client’s account.

For all asset-based fees paid in advance, the fee refunded will be equal to the balance of the fees
collected in advance minus the daily rate* times the number of days elapsed in the billing period up
to and including the day of termination. (*The daily rate is calculated by dividing the annual asset-
based fee rate by 365.)

    Outside Compensation for the Sale of Securities to Clients

Neither Navigate nor its supervised persons accept any compensation for the sale of securities or
other investment products, including asset-based sales charges or service fees from the sale of
mutual funds.

Item 7: Types of Clients

   FIRM BROCHURE – Form ADV Part 2A

Navigate generally provides advisory services to the following types of clients:
                   •    Individuals
                   •    High-Net-Worth Individuals

Minimum Account Size for Portfolio Management

There is an account minimum of $1,000,000, which may be waived by Navigate in its discretion.