Northwest Financial Services Inc

Fees and Compensation
                                                                                             Form ADV Part 2A, Item 5

NWFS charges an initial financial planning fee of $5,000 which may be credited against future advisory fees.
Ongoing advisory services are provided for an annual fee based on a percentage of managed assets as follows
(for new and existing clients after 1/1/2025):

        Up to $2,000,000               0.9%                  $18,000 on the first $2,000,000
        $2,000,000 to $5,000,000       0.7%                  $21,000 on the next $3,000,000
        $5,000,000 to $20,000,000      0.5%                  $75,000 on the next $15,000,000
        $20,000,000 and up             0.3%                  0.3% on assets over $20,000,000

Ongoing advisory services are provided to some existing clients (prior to 1/1/2025) for an annual fee based on
a percentage of managed assets as follows:

        Up to $1,000,000               0.9%                  $9,000 on the first $1,000,000
        $1,000,000 to $2,000,000       0.7%                  $7,000 on the next $1,000,000
        $2,000,000 to $5,000,000       0.5%                  $15,000 on the next $3,000,000
        $5,000,000 and up              0.3%                  0.3% on assets over $5,000,000

There is no minimum account size, but NWFS does have a minimum annual fee of $5,000 (billed as $2,500,
semi-annually). The annual minimum fee is negotiable and sometimes a flat fee may be negotiated. If the client
asks us to prepare his/her tax return, we charge a separate fee based on the complexity of the return (generally
$450-$750).

The advisory fee is billed semiannually based on the market value of assets as of the end of the previous
quarter. The client may choose to have us withdraw their fee from their account, or they may choose to pay the
fee by check.

Note: NWFS will charge the higher of the minimum annual fee ($5,000, billed as $2,500 every six months) or
the percentage of assets we manage as noted in the fee schedules above. If your managed assets are above
our minimum fee the first six months, and then drop below our minimum fee the next billing cycle, you will not
be credited for any previous fees.

Securities are offered through Charles Schwab & Co. (Schwab). Here is a chart showing additional fees the
client will pay to Schwab:

                     Type of Fee                     Schwab
                     Commissions                       Yes
                   Transaction Fees                    Yes
                    Fund Expenses                      Yes
                Custodian Account Fees                 No

For more information about custodian services, see Item 12. Note: The underlying investment options also
have fees. For those fee ratios, see the fund prospectus or other investment materials.

No advisory fees are paid in advance. We start billing at the end of the third quarter after the Investment
Advisory Agreement is signed. The client or NWFS may cancel the agreement at any time. The client is not
obligated to pay any fee owed at termination but may choose to do so.

Other fees and compensation:

NWFS advisors do not accept compensation for the sale of securities or other investment products through
commissions nor through transaction charges. Schwab keeps all commissions and transaction charges instead
of passing them on to NWFS. See Item 12 for other benefits we receive from Schwab. We generally
recommend no-load mutual funds because they provide a lower total cost to the client.

Matthew C. Yeiter, Thomas D. Gross, Sarah E. Austin, Brady G. Webster, Molly O’Shea, Holly M. Wharton, and
Dexter White may generate tax preparation fees as discussed in Item 10. This is a conflict of interest where the
advisor has the incentive to place their interests above the best interests of the client. It should be noted that:

    1. Clients have the option to purchase tax preparation through other agents that are not affiliated with
       NWFS.
    2. In 2025, less than 4% of our revenue from advisory clients was derived from tax preparation.
    3. Our priority is to put the interests of the client ahead of our own interests. Our reputation is more
       important than additional compensation.

                    Performance-Based Fees and Side-By-Side Management
                                                                                              Form ADV Part 2A, Item 6
We do not accept any performance-based fees.

Types of Clients
                                                                                              Form ADV Part 2A, Item 7

Most of our clients are individuals. A small part of our business is providing services to trusts and estates. If a
client is also a business owner, we may offer advice relating to the business entity. We do not have a minimum
requirement for opening an account, but we do charge a minimum annual fee, as described in Item 5.

                 Methods of Analysis, Investment Strategies and Risk of Loss
                                                                                              Form ADV Part 2A, Item 8