Navigation Group LLC

Item 5 – Fees and Compensation
Wealth Planning & Consulting Fees

Clients are charged an hourly or fixed fee. The hourly rate for a financial planner is $575, and the
hourly rate for a para-planner is $225. Post-Mortem Services are billed at the rate of $150 per
hour. Hourly fees are generally payable as services are performed but may differ. When the hourly
fee is payable will be established in advance and noted in the agreement the client signs.

The following services are billed at the following fixed rates:

Estate Plan Annual Review – $275

Family Financial Philosophy Process – $2,500

Fixed fees for other services are negotiable; generally, range from $2,500 to $10,000 based on
the personnel involved and the range of services that will be provided.

Fixed fees are generally payable in arrears, but a deposit may be required. These terms will be
negotiated in advance and noted in the agreement the client signs.

Clients may choose to annually review or periodically update their personal wealth plan. Annual
review fees are typically 30%-50% of the original fee and are based on the range of services that
will be provided. Annual reviews and comprehensive updates will require a new service
agreement.

If clients elect to implement recommendations made in a wealth plan their accounts may incur
transaction costs, retirement plan administration fees, mutual fund annual expenses and other
fees. These fees are in addition to and separate from planning and consulting fees.

The Adviser anticipates that the wealth plan produced will be delivered within six months or
sooner of the date of the Agreement. The Adviser considers fees for wealth planning or a
consulting project to be earned as progress is realized toward creation of the plan or completion
of the service. Under no circumstances will the Adviser earn fees in excess of $1,200 more than
six months in advance of services rendered.

A planning or consulting client will have a period of five (5) business days from the date of signing
the agreement to unconditionally rescind the agreement and receive a full refund of all fees.
Thereafter, the client may terminate the agreement by providing the Adviser with written notice
prior to delivery of the plan or completion of the service.

Upon termination, the Adviser will prorate fees to the date of termination and will refund any
unearned portion of the fee to the client.

When fees are payable after services are performed, there are no unearned fees and the client
is not due a refund upon early termination of an investment advisory contract. The Adviser’s fees
are also prorated to the date of termination in these cases.

Investment Management Fees

The Adviser is compensated for investment management services based on the value of the
client account. Fees are negotiable and range from 0.40% to 1.90% annually based on the
amount of assets under management and range and complexity of the services provided.

Fees are paid quarterly in advance and are due on the first day of the calendar quarter and are
based on the account’s asset value as of the last business day of the prior calendar quarter. Fees
are prorated for accounts opened during the quarter. The custodian deducts fees directly from
client accounts on behalf of the Adviser unless direct billing is chosen.

The account custodian may charge fees, which are in addition to and separate from advisory
fees. Accounts may incur transaction costs, retirement plan administration fees, mutual fund
annual expenses and other fees. Clients should note that fees for comparable services vary and
lower or higher fees may be charged by different providers for similar services.

Clients will have a period of five (5) business days from the date of signing an advisory agreement
to unconditionally rescind the agreement and receive a full refund of all fees. Thereafter, either party
may terminate the advisory agreement with 30 days written notice. Upon termination, fees will be
prorated to the date of termination and the unearned portion will be refunded.

Advisory Referral Fees

The compensation the Adviser receives from third-party managers is disclosed in separate
disclosure documents. Compensation is typically equal to a percentage of the investment
management fee charged by the third-party asset manager or a fixed fee. The disclosure
document provided by the Adviser will clearly state the fees payable to the Adviser and whether
the payment of the Adviser’s fee will increase the total fees the client must pay to the third-party
manager.

Since the compensation the Adviser receives may differ depending on the agreement with each
third-party manager, the Adviser may have an incentive to recommend one third-party manager
over another.

Fees paid by clients to independent third-party managers are established and payable in
accordance with the ADV Part 2A brochure or other equivalent disclosure document of each
independent third-party manager to whom the Adviser refers its clients and may or may not be
negotiable. The facts and circumstances of negotiability are contained in the disclosure
documents of each third-party manager.

Clients who are referred to third-party investment managers will receive a Part 2A brochure
providing details of services rendered and fees to be charged. Clients will receive copies of the
Adviser’s and third-party investment managers’ Parts 2A at the time of the referral.

In addition, if the Adviser recommends a wrap fee program, the client will also receive a wrap fee
brochure provided by the sponsor of the program. The Adviser will provide to each client all
appropriate disclosure statements, including disclosure of solicitation fees paid to the Adviser and
its advisory associates.

Receipt of Additional Compensation

Investment adviser representatives may receive fees, brokerage or mutual fund trail commissions
from the sale of securities and other services, in their capacities as registered principals of LPL
...

Item 7 – Types of Clients
The Adviser provides advisory services to:

       Individuals – Trusts, estates, 401(k) plans and IRAs of a household count as one
        individual.

       High net worth individuals – High net worth individuals – Individuals who are “qualified
        clients” under rule 205-3 of the Advisers Act of 1940 or are “qualified purchasers”.

       Pension and profit-sharing plans (other than plan participants)

       Investment companies including mutual funds

       Business entities including corporations

Account Minimums

The Adviser does not impose a minimum account requirement on clients.