Navpoint Financial Inc

Item 5 - Fees and Compensation
Our annual fees for financial and investment advisory services may be based upon a percentage of
assets under management, fixed fees, hourly charges, or any combination thereof, as set forth
below. NavPoint retains the discretion to negotiate fees on a client-by-client basis. The specific
fee schedule is identified in the contract between NavPoint and each client.

Except for hourly fees, clients may choose to have NavPoint advisory fees deducted directly from
a custodial account for their convenience or may be billed directly.

Percentage of Assets Under Management (“POA”) - POA fees range from 0% to 2% annually.
Client facts, circumstances and needs are considered in determining the fee schedule. These
include the complexity of the client, assets* to be placed under management, anticipated future
additional assets, related accounts, portfolio style, account composition, reports, among other
factors. POA fees are billed quarterly in advance. Typically, we will receive compensation for
Investment Management based on a percent of “assets under management.” This fee usually
applies only to “outside” financial assets (outside of corporate/employer benefit plans). Even
though we will assist in advising clients about assets, asset choices, and participation levels within
employer benefit plans, we do not generally bill for those services on an “assets under
management” basis. Compensation for those services may be covered under fixed financial
planning fees (see below).

* NavPoint considers cash to be an asset class. As such it is included in all percentages of asset
calculations.

Fixed - Fixed fees generally range from $500 to $20,000 annually. Fixed annual fees are based
upon a combination of factors, including the amount of time required for client consultation (i.e.,
fact finding, client meetings, etc.), financial analysis (i.e., net worth, income tax, cash flow,
education funding, and retirement projections, plus analysis of corporate benefits, etc.), and
preparation of written plan materials. Fixed fees are billed quarterly in advance.

Hourly – Hourly fees for Special Projects are identified in advance. They will generally be assessed
at a rate of $150 - $600 per hour (depending on the personnel providing the services). Hourly
charges will be billed monthly in arrears, or at the end of project, whichever is specified in the
contract.

                                  GENERAL INFORMATION
Termination of the Advisory Relationship
A client agreement may be canceled at any time, by either party, for any reason upon receipt of 30
days written notice. If the advisory relationship terminates before the end of a period for which
fees have been prepaid, the fees will be prorated, considering reasonable start-up expenses, and the
unused portion of the fees will be promptly refunded.

NavPoint Financial, Inc.                         6                                 Disclosure Brochure

Additional Fees and Expenses
Custodian and Broker Dealer Fees: In addition to our advisory fees, clients are also responsible
for the fees and expenses charged by custodians and imposed by broker dealers, including, but not
limited to, any transaction charges imposed by a broker dealer with which an independent
investment manager effects transaction for the client's account(s). Please refer to the "Brokerage
Practices" section (Item 12) for additional information regarding our brokerage practices.

From time to time, NavPoint may refer a client to a custodian, either for the convenience of the
client, or to satisfy the requirements of a qualified plan administrator to have a custodian. The fees
charged by these custodians are not included in the advisory fees charged by NavPoint. These fees
vary from custodian to custodian and are charged directly by the custodian. These fees may be
deducted from the client’s account or paid to the custodian from funds outside of the account, at
the client’s discretion. The custodian referred to the client will vary depending on factors such as
the asset mix in the account and the amount of trading anticipated in the account. All fees to be
charged by the custodian are disclosed in the custodian application which the client signs upon the
opening of the custodial account.

Mutual Fund Fees: All fees paid to NavPoint for investment advisory services are separate and
distinct from the fees and expenses charged by mutual funds and/or exchange traded funds
(“ETFs”) to their shareholders. These fees and expenses are described in each fund's prospectus.
These fees will generally include a management fee, other fund expenses, and a possible
distribution fee. If the fund also imposes sales charges, a client may pay an initial or deferred sales
charge. As a result, client assets invested in such funds will pay two levels of advisory fees- one
to us and one indirectly to the fund’s investment adviser. A client could invest in a mutual fund
directly, without our services. In that case, the client would not receive the services provided by
our firm which are designed, among other things, to assist the client in determining which mutual
fund or funds are most appropriate to each client's financial condition and objectives. Accordingly,
the client should review both the fees charged by the funds and our fees to fully understand the
total amount of fees to be paid by the client and to thereby evaluate the advisory services being
provided.

Managed Account Fees: We may refer clients to other advisors, funds, or managed accounts with
specialty expertise or methodology. All fees and expenses related to those investments are separate
and distinct from NavPoint’s fees. These fees and expenses are described in each investment’s
prospectus, account application, or other agreement. Accordingly, the client should review both
the fees charged by the funds and our fees to fully understand the total amount of fees to be paid
...

Item 7 – Types of Clients
NavPoint generally provides investment advice to the following types of clients.

 •    Individuals (high net worth)
 •    Individuals (other than high net worth individuals)
 •    Trusts, estates, or charitable organizations (including foundations, endowments)
 •    Pension or profit-sharing plan participants (but not the plans or custodians)

All clients must enter into a written investment advisory agreement before the commencement of
any investment advisory relationship with NavPoint.

NavPoint generally requires that clients have assets of $3 million or more. However, smaller
accounts may be solicited or accepted at the discretion of NavPoint.