Northwind Financial LLC

Item 5         Fees and Compensation

Our annual fees for Individual Portfolio Management are based upon a percentage of assets under
management and generally range from 0.65% to 1.50%. Fees are generally not negotiable.

Fees cover all transaction costs including trading fees and account annual retirement fees. In
addition to the investment advisory fee, when mutual funds are implemented, accounts will
incur other charges including 12b(1) fees and other mutual fund annual expenses described in
the fund’s prospectus. Exchange Traded Funds (ETF’s) will also charge an annual expense or
other fee listed in the ETF’s prospectus. Northwind Financial LLC does not receive any
compensation from ETF’s or mutual funds, including 12b (1) fees. These fees will always be
disclosed prior to any investment prior to implementation. If we do invest in mutual funds, we
will invest in the funds that have the lowest cost to for the investor.

Annualized Fees:

From                          To             Per Year

Up to                         $250,000       1.5%

$250,001                      $500,000       1.25%

$500,001                      $1,000,000     1.0%

$1,000,001                    $2,000,000     0.75%

$2,000,001                    $5,000,000     0.65%

Above                         $5,000,000     Negotiable

Annualized fees are calculated at a family or company level so all assets in that group are
aggregated for purposes of determining total Assets under Management for fee calculation.
The aggregate total determines the “flat” fee in the above schedule. Example, if the accounts
total $500,001, that total pays the 1.0% fee.

An Advisors’ family may be charged a lower fee than listed on the fee schedule. This is at the

discretion of the Advisor and implemented only after approval by the Principal and/or the Chief
Compliance Officer.

Additionally, Northwind Financial LLC may charge a different fee based on a case-by-case
analysis due to extenuating circumstances of the client. This decision is at the sole discretion of
Northwind Financial LLC.

Fees are billed on a quarterly basis and are paid in advance based on the value of the account
on the last day of the previous quarter. Fees are automatically deducted from the account
(the client can consolidate the fee billing into one account). We use two custodians:

Schwab Advisor Services™
If selected, the fees will be included in the statements sent by Schwab Advisor Services™.
Schwab Advisor Services™ provides custody, trading, and the support services of Charles
Schwab & Co., Inc, the custodian of your assets.

Altruist Financial LLC
If selected, the fees will be included in the statements sent by Altruist Financial LLC. Altruist
Financial LLC provides custody, trading, and the support services of Altruist Financial LLC, the
custodian of your assets.

                                       GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be cancelled at any time by
either party, for any reason, upon receipt of 30 days’ written notice. As disclosed above, certain
fees are paid in advance of services provided. Upon termination of any account, any prepaid,
unearned fees will be promptly refunded once the assets are no longer the responsibility of
Northwind Financial LLC and have been transferred by the custodian. In calculating a client’s
reimbursement of fees, we will pro rate the reimbursement according to the number of days
remaining in the billing period.

Mutual Fund Fees: All fees paid to Northwind Financial LLC for investment advisory services are
separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to their
shareholders. These fees and expenses are described in each fund or ETF’s prospectus. These fees
will generally include a management fee, other fund expenses, and a possible distribution fee. A
client could invest in a mutual fund or ETF 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 funds, or ETF’s, are most appropriate to each client's
financial condition and objectives. Accordingly, the client should review both the fees charged by
the funds/ETF’s 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.

ERISA Accounts: Northwind Financial LLC is deemed to be a fiduciary to advisory clients that are

employee benefit plans or individual retirement accounts (IRAs) pursuant to the Employee
Retirement Income and Securities Act ("ERISA"), and regulations under the Internal Revenue Code
of 1986 (the "Code"), respectively. As such, our firm is subject to specific duties and obligations
under ERISA and the Internal Revenue Code that include among other things, restrictions
concerning certain forms of compensation. To avoid engaging in prohibited transactions, Northwind
Financial LLC may only charge fees for investment advice about products for which our firm and/or
our related persons do not receive any commissions or 12b-1 fees.

Advisory Fees in General: Clients should note that similar advisory services may be available
from other registered (or unregistered) investment advisers for similar or lower fees.

Use of Artificial Intelligence Tools:

Northwind Financial LLC uses artificial intelligence (AI) tools to support the delivery of investment
advisory and financial planning services, including research, data analysis, practice management,
and preparation of client communications.

AI tools are used to support — not replace — human judgment. All investment recommendations,
financial planning advice, and client communications are reviewed and approved by a licensed
Investment Advisor Representative before being provided to clients. No investment decision is
made solely by an AI tool.
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Item 7         Types of Clients
Northwind Financial LLC provides advisory services to the following types of clients:

   •   Individuals (other than high net worth individuals)

   •   High net worth individuals

   •   Corporations or other businesses not listed above

   •   Retirement accounts