Navigoe LLC

Item 5 – Fees and Compensation
Concierge	Wealth	Management
The client can determine to engage Navigoe to provide discretionary wealth management
services on a fee-only basis. Navigoe offers three methods of calculating the fees.
Fee Based on Financial Assets
A fee is based on the client’s financial assets calculated on the schedule below:
      Total Financial Assets             Annualized Fee*
      First $5,000,000                       1.00%
      Over $5,000,001                        0.50%
*Client accounts may be aggregated for fee calculations.
Advisor’s fee is deducted from Client’s Account(s) on a monthly basis, in arrears,
calculated using the average daily balance, market value of the assets. The minimum
annual fee is $20,000.
Financial Assets for purposes of Advisor’s fee calculation includes: Client’s cash and
securities in the Account and all other brokerage accounts, cash and securities in an
account held at an employer’s 401(k) plan or other qualified plan, amounts held inside
an insurance policy, amounts held in an annuity’s subaccounts, the market value of
illiquid assets as determined by the custodian holding the assets, and the value of
privately held stock.
Annual Planning Fee + Investment Management Fee
A flat annual planning fee is determined based on the complexity of the client situation
and the breadth and depth of services required. This annual planning fee starts at a
minimum of $25,000/$2,083.33 monthly.
Investment management can be provided for an additional annual fee of 0.50% of
assets under management.
Annual Retainer
For select, high net worth clients, an annual retainer fee may be selected. This fee is
based upon the complexity and services to be provided. The annual fee begins at
$50,000 a year or higher and is billed monthly.

 Navigoe, LLC | Item 5 – Fees and Compensation                                      6

                            FORM ADV PART 2A (“FIRM BROCHURE”)
April 1, 2026               FOR NAVIGOE, LLC

401(k)	and	other	Qualified	Retirement	Plans
A fee is based on the plan’s assets calculated on the schedule below:
       Total Financial Assets             Annualized Fee*
       First $1,000,000                       1.00%
       Next $1,000,001 to $2,000,000          0.80%
       Next $2,000,001 to $5,000,000           0.60%
       Next $5,000,001 to $10,000,000          0.45%
       Over $10,000,000                        0.40%
*Client accounts may be aggregated for fee calculations.
Advisor’s fee is deducted from Client’s Account(s) on a monthly basis, in advance,
calculated using month-end, market value of the assets.
Existing clients may have a different fee structure. Certain clients may negotiate a
lesser fee based on certain circumstances. For example, at its discretion, Navigoe may
allow members of the same household to be aggregated for purposes of determining
the advisory fee. Such aggregation may be allowed when Navigoe services accounts
on behalf of minor children of current clients, individual and joint accounts for a spouse.
Navigoe, in its sole discretion, may reduce its minimum fee and/or charge a lesser
investment management fee for bundled and unbundled services based upon certain
criteria (i.e., anticipated future earning capacity, or additional assets, dollar amount of
assets to be managed, related accounts, account composition, negotiations with client.)
Payment for management fees will be made by the qualified custodian holding the
client’s funds and securities provided the client provides written authorization permitting
the fees to be paid directly from the client’s account. Navigoe will not have access to
client funds for payment of fees without client consent in writing. Further, the qualified
custodian agrees to deliver to the client, or make available through their web site,
monthly account statements showing all disbursements from the account. The client is
encouraged to review their account statements for accuracy. Navigoe will receive a
duplicate copy of the statement that was delivered to the client. Alternatively, Navigoe
may invoice clients directly for portfolio management fees. When clients are billed
directly, payment is due upon receipt of Navigoe’s invoice.

General	Information	Regarding	Advisory	Services	and	Fees
Navigoe does not represent, warrant, or imply that the services or methods of analysis
used by Navigoe can or will predict future results, successfully identify market tops or
bottoms, or insulate clients from losses due to market corrections.
Advice offered by Navigoe may involve investments in mutual funds or exchange traded
funds (ETFs). Clients are hereby advised that all fees paid to Navigoe for investment
supervisory services are separate and distinct from the fees and expenses charged by
 Navigoe, LLC | Item 5 – Fees and Compensation                                      7

                             FORM ADV PART 2A (“FIRM BROCHURE”)
April 1, 2026                FOR NAVIGOE, LLC

mutual funds and ETFs to their shareholders, as described in each fund’s prospectus.
These fees will generally include a management fee and other fund expenses. Further,
transaction charges may be applicable when purchasing and selling securities. Navigoe
does not share in any portion of the brokerage fees and/or transaction charges imposed
by the broker-dealer/custodian holding the client funds or securities. Clients should
review all fees charged by mutual funds, Navigoe, and others to fully understand the
total amount of fees to be paid by the client.
Clients may also incur “account termination fees” upon the transfer of an account from one
brokerage firm (broker-dealer/custodian) to another. These account termination fees are
believed to range generally from $0 to $200 at present, but at times may be much higher.
Clients should contact their custodians (brokerage firms, banks or trust companies, etc.) to
determine the amount of account termination fees which may be charged and deducted
...

Item 7 – Types of Clients
Navigoe offers personalized investment supervisory services to high-net worth
individuals, individuals, business owners and pension and profit-sharing plans. Client
relationships vary in scope and length of service.

Required	Minimum	Client	Accounts
Navigoe generally requires a minimum fee for wealth management services. However,
Navigoe, in its sole discretion, may reduce its minimum fee and/or charge a lesser
wealth management fee for bundled and unbundled services based upon certain criteria
(i.e., anticipated future earning capacity, or additional assets, dollar amount of assets to
be managed, related accounts, account composition, negotiations with client.)

 Navigoe, LLC | Item 7 – Types of Clients                                           11

                            FORM ADV PART 2A (“FIRM BROCHURE”)
April 1, 2026               FOR NAVIGOE, LLC