Navigo Wealth Management LLC

Item 5 Fees and Compensation
A. Fee Schedule

Investment Supervisory Services Fees
Our fee for portfolio management services is based on a percentage of the assets in your accounts and is
set forth in the following annual fee schedule:

Annual Fee Schedule

                  Assets Under Management           Annual Fee
                  Under $100,000                    1.25%
                  $100,000 to $5,000,000            1.00%
                                                    1.00% on first $5,000,000,
                  Over $5,000,000*                  0.75% on next $5,000,000,
                                                    0.50% over $10,000,000
                  Foreign/International Assets      1.75%

*For Example, an account's value is $10,000,000.00 as of March 31. The fee for the quarter is calculated
below:

The first $5 million is charged 1.00% ($5,000,000 X 0.01)                   $50,000
Second $5 million is charged 0.75% ($5,000,000 X 0.75)                      $37,500
These charges are totaled ($50,000 + $37,500)                               $87,500
The total is divided by four to arrive at the quarterly fee ($87,500 ÷ 4)   $21,875

In this example, the fee for the quarter ended March 31 is $21,875.

The final fee schedule is attached as Exhibit II of the Investment Advisory Contract. Fees are billed and

payable quarterly in advance, based on the balance at end of billing period. Clients may terminate their
contracts with thirty days' written notice. Refunds are given on a prorated basis, based on the number of
days remaining in a quarter at the point of termination. Clients may terminate their contracts without
penalty, for full refund, within 5 business days of signing the advisory contract. Advisory fees are
withdrawn directly from the client's accounts with client written authorization.

In states that require it, the custodian will send quarterly invoices to the client wherein NWM fees are
itemized.

If the portfolio management agreement is executed at any time other than the first day of a calendar
quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in proportion
to the number of days in the quarter for which you are a client. Our advisory fee is negotiable, depending
on individual client circumstances.

At our discretion, we may combine the account values of family members living in the same household to
determine the applicable advisory fee. For example, we may combine account values for you and your
minor children, joint accounts with your spouse, and other types of related accounts. Combining account
values may increase the asset total, which may result in your paying a reduced advisory fee based on the
available breakpoints in our fee schedule stated above.

We will deduct our fee directly from your account through the qualified custodian holding your funds and
securities. We will deduct our advisory fee only when the following requirements are met:

    • You provide our firm with written authorization permitting the fees to be paid directly from your
      account held by the qualified custodian.
    • The qualified custodian agrees to send you a statement, at least quarterly, indicating all amounts
      disbursed from your account including the amount of the advisory fee paid directly to our firm.

If you have any questions about the statement(s) you receive from the qualified custodian call our main
office number located on the cover page of this brochure.

Financial Planning Services
We generally charge a fixed fee for standard financial planning services, which ranges between $500 and
$2,500 for a set amount of completion hours. For more specialized services, including but not limited to
divorce financial analyst consulting and end of life advising, an hourly rate is assessed for the number of
hours worked at a rate of $150 per hour. At the firm's discretion, this fee can be negotiated or waived if
assets under management is expected to be over $100,000 within 12 months or at discretion of advisor.
The fee is negotiable depending upon the complexity and scope of the plan, your financial situation, and
your objectives. We do not require you to pay fees six or more months in advance. Should the
engagement last longer than six months between acceptance of financial planning agreement and
delivery of the financial plan, any prepaid unearned fees will be promptly returned to you less a pro rata
charge for bona fide financial planning services rendered to date.

We will not require prepayment of a fee more than six months in advance and in excess of $500.

At our discretion, we may offset our financial planning fees to the extent you implement the financial plan
through our Portfolio Management Service.

You may terminate the financial planning agreement upon written notice to our firm. If you have pre-paid
financial planning fees that we have not yet earned, you will receive a prorated refund of those fees. If

financial planning fees are payable in arrears, you will be responsible for a prorated fee based on
services performed prior to termination of the financial planning agreement.

Sub-Advisory Services for Registered Investment Advisers
Our annual fee for sub-advisory services is 1.0%. Our annual sub-advisory fee is billed and
payable quarterly in advance. If the sub-advisory agreement is executed at any time other than the first
day of a calendar month, our fees will apply on a pro rata basis, which means that the advisory fee is
payable in proportion to the number of days in the month for which you are a client. The method of fee
payment will be detailed in the sub-advisory agreement. Fees and payment arrangements are negotiable
and will vary on a case-by-case basis.

You may terminate the sub-advisory agreement by providing written notice to our firm. If you have pre-
paid advisory fees that we have not yet earned, you will receive a prorated refund of those fees.
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Item 7 Types of Clients
NWM generally provides management supervisory services to the following types of clients:

Individuals
High-Net-Worth Individuals
Corporations or Business Entities

Minimum Account Size

There is an account minimum, $100,000 per household, which may be waived by the investment advisor,
based on the needs of the client and the complexity of the situation. For example, we may waive the
minimum if you appear to have significant potential for increasing your assets under our management.

We also charge a minimum fee in the amount of $1,000 per year for account management. We may
reduce or waive the minimum fee if anticipated household AUM during the following 12 months will be at
least $100,000 to open and maintain an advisory account or for any other reason solely at the discretion
of the adviser.

We may also combine account values for you and your minor children, joint accounts with your spouse,
and other types of related accounts to meet the stated minimum.