Northern Edge Wealth Management LLC

Item 5 - Fees and Compensation

Northern Edge charges fees based on a percentage of assets under management as well as fixed fees and
hourly fees, depending on the particular types of services to be provided. The specific fees charged by
Northern Edge for services provided will be set forth in each client’s agreement.

     A. Financial Planning and Investment Management Services

Fees for Investment Management Services
Northern Edge charges an investment management services fee that is agreed upon with each client and set
forth in an agreement executed by Northern Edge and the client. The investment management services fee
for the initial month shall be paid, on a pro rata basis, in arrears, based on the value of the net billable assets
under management at the end of such initial month. For subsequent months, the investment management
services fee shall be paid, in advance, based on the asset value of the client’s accounts as of the last business
day of the preceding month. The asset value of a client’s account is determined as provided by third-party
sources, such as pricing services, custodians, fund administrators, and client-provided sources. For
purposes of fee calculation, the asset value of client accounts include cash and cash equivalents, as well as
margined securities. Northern Edge does not reduce investment management services fees for margin
borrowing, regardless of whether the assets are in cash or other securities. Northern Edge has a financial
incentive to recommend that clients borrow money for the purchase of additional securities for the client’s
account managed by Northern Edge or otherwise not liquidate some or all the assets Northern Edge
manages. Northern Edge addresses this conflict of interest by this disclosure and working to ensure that
any recommendation to a client regarding the use of margin is suitable for the client.

Following is Northern Edge’s asset based fee schedule for investment management services:

                                             FEE SCHEDULE
                           Market Value of Assets                               Rate
                Up to $500,000                                                 1.25%
                $500,001 to $1,000,000                                         1.00%
                $1,000,001 to $5,000,000                                       0.75%
                $5,000,001 to $10,000,000                                      0.50%
                Above $10,000,000                                            negotiable

Northern Edge Wealth Management                                             Disclosure Brochure

               The fee rate applies to the market value of assets within that range. As
               an example for a client account with a market value of assets of
               $1,000,000 – the first $500,000 of the client’s account will be subject to
               a fee rate of 1.25% and the remaining assets will be subject to a fee rate
               of 1.00%. In addition, Northern Edge requires a minimum annual
               investment management services fee of $300.

Northern Edge’s policy is to include all related client accounts, specifically the accounts of direct family
members sharing the same residence address, for purposes of determining a client’s market value of
assets.

Fees for Financial Planning and Consulting Services
Clients that are receiving financial planning services only are charged a fixed fee ranging up to $5,000 or
an hourly fee rate up to $500, depending upon the complexity of a client’s plan and services provided.
Northern Edge’s financial planning only services are completed upon delivery of the financial plan, and the
fixed fee or hourly fee will be charged monthly or otherwise in full upon delivery of the completed financial
plan. Actual fees charged are clearly outlined in the financial planning agreement and clients receive
invoices reflecting the amount of the fee due and payable. As referenced above in Item 4, Northern Edge
investment management services clients are not charged for any provided financial planning services.

Notwithstanding the foregoing, Northern Edge and the client may choose to negotiate an advisory fee that
varies from the schedule and ranges set forth above. Factors upon which a different annual advisory fee
may be based include, but are not limited to, the size and nature of the relationship, the services rendered,
the nature and complexity of the products and investments involved, time commitments, and travel
requirements. The advisory fee charged by the Firm will apply to all of the client’s assets under
management, unless specifically excluded in the client agreement. The advisory fee may include the
financial planning services described above. Although Northern Edge believes that its fees are
competitive, clients should understand that lower fees for comparable services may be available from
other sources and firms.

The investment advisory agreement between Northern Edge and the client may be terminated at will by
either Northern Edge or the client upon written notice. Northern Edge does not impose termination fees
when the client terminates the investment advisory relationship, except when agreed upon in advance.

     B. Payment of Fees

Northern Edge generally deducts its advisory fee from a client’s investment account(s) held at his/her
custodian. Upon engaging Northern Edge to manage such account(s), a client grants Northern Edge this
limited authority through a written instruction to the custodian of his/her account(s). The client is
responsible for verifying the accuracy of the calculation of the advisory fee; the custodian will not determine
whether the fee is accurate or properly calculated. A client may utilize the same procedure for financial
planning or consulting fees if the client has investment accounts held at a custodian.
...

Item 7 - Types of Clients

Northern Edge offers investment advisory services to individuals, high net worth individuals, qualified
retirement plans and other tyeps of entities. For client relationships that entail accounts with an asset value
of less than $100,000, Northern Edge imposes a minimum annual fee of $300.00. However, Northern Edge
does reserve the right to accept or decline a potential client for any reason in its sole discretion.