Navigation Wealth Management Inc

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
ASSET MANAGEMENT
Navigation offers discretionary direct asset management services to advisory Clients. Navigation
charges an annual investment advisory fee based on the total assets under management as
follows:
                           Assets Under Management           Navigation Annual Fee
                                   $0-$50,000                           1.63%
                             $50,000.01-$100,000                        1.48%
                              $100,001-$250,000                         1.38%
                              $250,001-$500,000                         1.23%
                              $500,001-$750,000                         1.03%
                             $750,001-$1,000,000                        0.93%
                            $1,000,001 - $5,000,000                     0.68%
                                  $5,000,001 +                          0.66%

                                   Navigation Wealth Management, Inc.

This is a breakpoint fee schedule, the entire portfolio is charged the same asset management fee.
For example, a Client with $750,000 under management would pay $7,725 on an annual basis.
$750,000 x 1.03% = $7,725.
Navigation may also utilize the services of a Sub-Advisor to manage Clients’ investment portfolios
by executing a Sub-Advisor agreement with other registered investment advisor firms. When
using Sub-Advisors, the Client will not pay additional fees. The Sub-Advisors fees are inclusive of
the total fee disclosed by Navigation.
The fees are charged monthly in arrears and are based on the average daily account balance for
that month. Lower fees for comparable services may be available from other sources. Clients may
terminate their account within five (5) business days of signing the Investment Advisory
Agreement with no obligation and without penalty. Clients may terminate advisory services with
thirty (30) days written notice. For accounts opened or closed mid-billing period, any unpaid
earned fees will be due to Navigation. Client shall be given thirty (30) days prior written notice of
any increase in fees. Any increase in fees will be acknowledged in writing by both parties before
any increase in said fees occurs.
ASSET HELD AWAY
Navigation offers discretionary direct asset management services to advisory Clients. Navigation
charges an annual investment advisory fee based on the total assets under management as
follows:
      Assets Under Management          NWM Annual Fee           Platform Fee*     Total Annual Fee
              $0-$50,000                  1.63%                     0.25%              1.88%
        $50,000.01-$100,000               1.48%                     0.25%              1.73%
         $100,001-$250,000                1.38%                     0.25%              1.63%
         $250,001-$500,000                1.23%                     0.25%              1.48%
         $500,001-$750,000                1.03%                     0.25%              1.28%
        $750,001-$1,000,000               0.93%                     0.25%              1.18%
       $1,000,001 - $5,000,000            0.68%                     0.25%              0.93%
             $5,000,001 +                 0.66%                     0.25%              0.91%
This is a tiered or breakpoint fee schedule, the entire portfolio is charged the same asset
management fee. For example a client with $1,500,000 will pay a quarterly fee of $3,487.50
($1,500,000 x 0.93%) / 4 = $3,487.50.
The annual fee is negotiable. The Advisory Fee for the initial period will be paid on a pro rata basis
based on the number of days in the billing period for which services under this Agreement will be
provided, in advance (payable Net 15), based on the billing period beginning value of the Client’s
managed assets, in accordance with the fee schedule listed in the Agreement. For all future
periods, the Advisory Fee will be assessed and payable each billing period, in advance, based on
the balance of Client’s managed assets as of the prior period-end, in accordance with the fee
schedule listed in the Agreement. No fee adjustment will be made for Account deposits and
withdrawals during a billing period.
In addition to the fees paid to Navigation, investments used in managing the Account may subject
Client to additional fees. For example, mutual funds, index funds, exchange traded funds and
private funds typically charge ongoing management fees and have other expenses for the
operation of those funds. These fees should not be confused with “loads” or commissions.
Navigation does not receive any additional compensation, either directly or indirectly, from these
investments. Fees are payable at the beginning of each quarter via AdvicePay (ACH or Credit Card)
or through a client designated custodian account.
FINANCIAL PLANNING

                                   Navigation Wealth Management, Inc.

Financial plans are priced according to the degree of complexity associated with the client’s
situation. Prior to the planning process the client is provided an estimated plan fee. Client will pay
half of the estimated fee at the signing of the agreement with the balance due upon delivery of the
completed plan. Navigation reserves the right to waive the financial planning fee if the plan is
implemented with Navigation. Financial plans will be completed and delivered inside of sixty (60)
days dependent upon timely client delivery of required documentation.
Client may cancel services at any time during the planning process for a full refund.
    HOURLY FEES
    Financial Planning Services are offered based on a negotiable hourly rate of $225 per hour.
    FIXED FEES
    Financial Planning Services are offered based on a negotiable flat fee of $2,000, based on the
    complexity of the plan and the client’s needs.
QUALIFIED PLAN SERVICES
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Item 7: Types of Clients
Description
Navigation generally provides investment advice primarily to individuals and high net worth
individuals. Client relationships vary in scope and length of service.
Account Minimums
Navigation does not require a minimum to open an account.