Pathfinder Wealth Consulting Inc

Item 5 – Fees and Compensation
Asset Management Programs
Clients who elect to receive asset management services through one or more of our asset management programs will
generally pay the firm and their advisor for those services with an annual asset management fee based on a percentage
of assets under management, including cash and money market positions. The maximum account management fee that
can be charged in any of our firm’s managed account program is listed in the fee schedule below. Certain managed account
programs have lower maximum annual fee amounts, and fee schedules will vary among programs. Clients are urged to
carefully review and discuss the contents of this Brochure with their advisor, including descriptions of the various
programs and services offered, the fees and charges clients will pay, the means by which the firm and your advisor are
compensated, and the conflicts of interest that exist between the client and the firm and your advisor in respect to each
program or service offered, to determine the most appropriate programs or services for your specific needs.

PPS Program Fee Schedules
The following are the maximum allowable fee schedules for Commonwealth’s various PPS programs.

PPS Custom Program
The maximum allowable annual management fee schedule for a new PPS Custom Program account is:

In addition to the annual management fee, and unless otherwise agreed between the client and the advisor, clients
participating in the PPS Custom Program will pay transaction charges as described in the “Other Fees and/or Costs” section
below.

Clients participating in the PPS Custom Program may pay more or less than clients might otherwise pay if purchasing the
services separately. There are several factors that determine whether such costs would be more or less, including, but not
limited to, the following:

    •   Size of the account
    •   Types of securities and strategies involved
    •   Amount of trading placed by the advisor
    •   The actual costs of such services if purchased separately

The advisory fees charged for the services provided by Commonwealth and Pathfinder Wealth Consulting, including
research, supplemental advisory, and client-related services offered through the PPS Custom Program may exceed those
of other similar programs.

PPS Select Program
Clients participating in the PPS Select Program will pay a total account fee that consists of a combination
of an advisor fee and a program fee.

The maximum allowable advisor fee in the PPS Select Program is as follows:

In addition to the annual advisor fee, all clients participating in PPS Select will pay an annual program fee.

There are several different PPS Select model portfolios with program fees that vary, however, the
maximum fee within the PPS Select program is as follows:

 The maximum annual advisor fee for certain account sizes and types may be negotiated.

 Commonwealth will charge a minimum annual program fee of $600 ($150 quarterly) for certain accounts, which may exceed the
maximum annual program fee percentage based on account size.

PPS Direct Program
Clients participating in the PPS Direct Program will pay an annual fee that consists of a combination of an advisor fee and
a program fee not to exceed 3.00%. In the event the combination of the advisor fee and the program fee for a particular
money manager and investment strategy exceeds 3.00%, the advisor fee will be reduced such that the annual fee will not
exceed 3.00%.

The maximum allowable advisor fee in the PPS Direct Program is as follows:

The maximum program fee in the PPS Direct Program is as follows:

Commonwealth performs fee billing on our firm’s behalf. In most cases, the annual account management fees are payable
quarterly in advance and are computed as one quarter of the annual fee based on the account’s AUM on the last business
day of the previous calendar quarter. Other forms of billing may be available as agreed to by the firm and the client.

To the extent that you hold positions in your account for which pricing data is not readily available, Commonwealth
receives quarter-end values from alternative investment issuers or other service providers which are used when
calculating billable AUM for our clients. Neither our firm nor Commonwealth engages in an independent valuation of your
account assets and relies on valuations provided by the investment issuers or other service providers. We (via
Commonwealth and further via the account custodian) will provide periodic account statements which include the market
value of the alternative investment based on information received from the investment issuer or other service provider.
In providing these account statements, or any other valuation information to you, (i) we rely on the valuation information
provided by the manager of the alternative investment or other service provider, (ii) the valuation information used to
determine the billing fee is based on estimates that may be outdated as of the dates of the account statements, (iii) the
products final valuations may be higher or lower than the values reflected in the periodic account statements and (iv)
while Commonwealth will adjust material estimated fee billings on our behalf, neither we nor Commonwealth is under no
obligation to provide notice or compensation to you for differences in estimated alternative investment valuations.

*Account values in the Commonwealth reporting system will be used for our firm’s quarterly fee calculations for advisory
accounts custodied at National Financial Services (NFS). Although account holdings and asset valuations should generally
match, month-end market values reflected in Commonwealth's Practice 360 reporting system sometimes differ from
those provided by NFS on their month-end statements. The three most common reasons why these values may differ are
(i) differences in the manner in which accrued interest is calculated, (ii) differences in the date upon which "as of"
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Item 7 – Types of Clients
Pathfinder Wealth Consulting generally provides advisory services to the following types of clients:

    •   Individuals (other than high net worth individuals)
    •   High net worth individuals
    •   Small businesses
    •   Pension and profit-sharing plans
    •   Charitable organizations

Our managed account programs generally require a minimum investment of $750,000. Account balances may be
combined at the household level to satisfy the account minimum. We reserve the right to waive the minimum investment
requirement at our sole discretion.