Northwest Financial Advisors LLC

Item 5: Fees and Compensation
General
NWFA typically receives compensation from fees based on a percentage of assets under management.
You should review all fees charged by us and others to fully understand the total amount of fees to be
paid by you. The advisory fee charged to the client for each advisory program is negotiable, subject to
certain maximum fees described herein. Fees are negotiated between the client and the IAR.

Account fees are payable quarterly in advance. The first payment will be based on the opening market
value of the account and will be pro-rated to cover the period from the date the account is opened
through the end of that calendar quarter. Thereafter, the fee will be based on the account value on the
last business day of the preceding calendar quarter. If client contributes funds to their account on a date
other than the first day on a calendar quarter, then a prorated fee will be charged for that calendar
quarter with respect to such contribution based on the number of days remaining in that calendar
quarter. If a client withdraws assets on any date other than the last day of the calendar quarter, then a
prorated refund will be made based on the number of days left in the quarter prior to the withdrawal.

The fee is explained and agreed with the clients in advance before any services are rendered. Fees will

Form ADV Part 2 Brochure | Northwest Financial Advisors LLC                           March 2026
generally be automatically deducted from your managed account. As part of this process, clients must
understand and acknowledge the following:

   •   The custodian sends statements at least quarterly to the client showing all disbursements for
       their account, including the amount of the advisory fees paid to us;
   •   The client provides authorization permitting fees to be directly paid by the terms outlined in
       the advisory agreement; and
   •   The custodian calculates the advisory fees and deducts it from the client’s account.

Some of the programs used by us are referred to as wrap fee programs. Typically, a wrap fee program
provides a bundle of investment services, including asset allocation, portfolio management, custody of
client funds and securities, execution of client transactions, and monitoring of portfolio manager
performance for a single "wrap" fee, generally a percentage of assets under management. The wrap
fee client is not charged brokerage commissions on a transactional basis. On the other hand, there are
programs that do not charge a wrap fee. The fees may be higher under a wrap fee arrangement versus
a non-wrap fee arrangement. All accounts are managed on an individualized basis according to the
client’s investment objectives, financial goals, risk tolerance, etc.

In addition to the advisory program fees outlined above, in certain programs you will also be subject to
other fees and expenses charged by the custodian including account maintenance fees, custodial fees, and
transaction charges. A schedule of the applicable fees and expenses will be provided with the account
application. The custodian may also receive other compensation (direct or indirect) from other third
parties in connection with client holdings or transactions. NWFA or its affiliates do not receive any
portion of the custodian fees and expenses or other compensation. Clients are encouraged to carefully
review all disclosures provided by the custodian in the account opening application. In addition to the
program fees, clients may also incur the management fees and any other expenses of any mutual funds
or other investment vehicles that we select for a client’s portfolio. Since these fees and expenses are
typically deducted directly from the investment vehicle, they are not necessarily obvious to
shareholders but they represent a real cost to our clients. The custodian typically imposes transaction
or annual charges on certain types of investments that may be considered structured products or
alternative investments. These charges are paid by the account owner and not NWFA,

SWM, MWP, OMP, and Manager Access Select
The advisory fees for SWM, MWP, OMP, and Manager Access Select are negotiated between the IAR
and the client and are calculated as a percentage of the market value of the client’s account, including
cash holdings. The maximum annual advisory fee charged by NWFA is 2.00%, as specified in the
written investment advisory agreement; however, this maximum does not include any applicable
program management fees, custodian fees, or other fees charged by third-party program sponsors.
Advisory fees are billed quarterly in advance to the client’s account. Advisory fees may be higher than
those charged by other investment advisers for similar services. Client accounts opened prior to the
date of this Brochure may be subject to different fee arrangements that were in effect at the time the
accounts were opened.

In addition to the advisory fee that clients pay to NWFA for management services within SWM, clients
will pay transaction charges for trade execution. The transaction charges are paid to LPL, vary based
on the type of transaction (e.g., mutual fund, ETF, equity or option), and are communicated to clients
at account opening. NWFA does not receive any portion of the transaction charges.

For clients that have a wrap program account, IAR bears the SWM transaction charges. When IAR
bears transaction charges for an account, the client should understand that this presents a conflict of

Form ADV Part 2 Brochure | Northwest Financial Advisors LLC                             March 2026
interest. The cost to the IAR of the transaction charges may be a factor that the IAR considers when
deciding which securities, ETFs or mutual funds to select and whether or not to place transactions in
client’s account. In particular, the IAR will have a financial incentive to recommend transactions in
...

Item 7: Types of Clients & Account Requirements
NWFA primarily provide customized investment supervisory services to individuals, trusts, estates, or
charitable organizations, pension and profit sharing plans, and corporations or business entities. We
do not impose a minimum account size to become an advisory client; however certain programs
offered by LPL and other broker dealers may require a minimum amount of investable assets to open
and maintain an account:
    • A minimum initial account value of $10,000 is suggested for SWM. In certain instances, NWFA
        will permit a lower minimum account size.
    • A minimum account value of $1,000 is required for OMP. In certain instances, LPL may permit a
        lower minimum account size.
    • MWP requires a minimum asset value for a program account to be managed. The minimums
        vary depending on the portfolio(s) selected and the account’s allocation amongst portfolios.
        The lowest minimum for a portfolio is $10,000. In certain instances, a lower minimum for a
        portfolio is permitted.
    • A minimum account value of $50,000 is required for Manager Access Select, however, in
        certain instances, the minimum account size may be lower or higher.
    • A minimum account value of $5,000 is required to enroll in the GWP Managed Service.