PW Nova Financial Services LLC

Item 5: Fees and Compensation

A. Fee Schedule
Wealth Management and Pension Consulting Services
The f irm charges clients a percentage of assets under management or advisement per client account which shall
not exceed 2.00% annually. The advisory f ee is calculated using the value of the assets in the account on the last
business day of the prior billing period.
These f ees are generally negotiable, and the f inal f ee schedule will be memorialized in the client’s advisory
agreement. Clients may terminate the agreement without penalty f or a f ull ref und of the f irm’s f ees within f ive
business days of signing the Investment Advisory Contract. Thereaf ter, clients may terminate the Investment
Advisory Contract generally with 5 days’ written notice.

Selection of Other Advisers Fees
Clients may pay the f irm its standard f ee in addition to the standard f ee f or the advisers to which it directs those
clients. This relationship will be memorialized in each contract between the f irm and each third -party adviser. The
f ees will not exceed any limit imposed by any regulatory agency.

B. Payment of Fees
Payment of Wealth Management Fees
Asset-based wealth management f ees are withdrawn directly f rom the client’s accounts with the client’s written
authorization on a monthly or quarterly basis. Fees are paid in advance.

Payment of Pension Consulting Fees
Asset-based pension consulting f ees are withdrawn directly f rom the client’s accounts with the client’s written
authorization on a monthly or quarterly basis. Fees are paid in advance.

Payment of Selection of Other Advisers’ Fees
The timing, f requency, and method of paying f ees f or selection of third -party managers will depend on the specific
third-party adviser selected.

C. Client Responsibility For Third-Party Fees
This brochure describes the f irm’s non-wrap f ee advisory services; clients utilizing the f irm’s wrap f ee wealth
management should see the separate Wrap Fee Program Brochure f or additional details regarding third -party f ees.
For wrap f ee wealth management accounts the f irm will wrap third-party f ees (i.e., custodian f ees, brokerage f ees,
mutual f und f ees, transaction f ees, etc.).
Client accounts not participating in the wrap f ee program are responsible f or the payment of all third -party f ees (i.e.,
custodian f ees, commissions, brokerage f ees, mutual f und f ees, transaction f ees, etc.). Those f ees are separate
and distinct f rom the f ees and expenses charged by the f irm. Please see Item 12 of this brochure regarding
broker/custodian.

D. Prepayment of Fees
The f irm collects f ees in advance. Ref unds f or f ees paid in advance but not yet earned will be ref unded on a prorated
basis and returned within f ourteen days to the client via check, or return deposit back into the client’s account.
For all asset-based f ees paid in advance, the ref unded f ee will be equal to the balance of the f ees collected in
advance minus the daily rate multiplied by the number of days elapsed in the billing period up to and including the
day of termination. (The daily rate is calculated by dividing the annual asset-based f ee rate by 365.)

PW Nova Financial Services, LLC | Form ADV Part 2A                                      March 11, 2026

Item 7: Types of Clients
The f irm generally provides advisory services to the f ollowing types of clients:

    ❖ Individuals
    ❖ High-Net-Worth Individuals
    ❖ Pension and Prof it Sharing Plans
    ❖ Charitable Organizations
    ❖ Corporations or Business Entities
    ❖ Trusts
    ❖ State or Municipal Government Entities

There is no account minimum f or any of the f irm’s services.

PW Nova Financial Services, LLC | Form ADV Part 2A                                              March 11, 2026