Wayfinding Financial LLC

ITEM 5 - FEES AND COMPENSATION

INVESTMENT MANAGEMENT SERVICES
Our Firm charges an advisory fee (“Advisory Fee”) based on an annual percentage of client’s assets that we manage. Our maximum
annual Advisory Fee is 1.25%. Advisory Fees are billed quarterly in advance based on the average daily balance during the previous
calendar quarter. For any new accounts we will use the average daily balance at the end of the quarter to calculate the Advisory Fee
for the partial quarter the account was open. Fees may vary and be negotiated based on the size of the account, complexity of the
portfolio, familial relationship, extent of activity in the account, etc. The specific fee and billing arrangement is detailed in the Advi-
sory Agreement that a client signs to engage our Firm. The Advisory Agreement also provides us with authority to debit Advisory
Fees directly from our clients’ account(s). All Advisory Fees are stated in the statements clients receive from the custodian (“Custo-
dian”) that holds the account(s).
For situations where we recommend, and the client engages a TPMM through a separate agreement, it is important to know that
the TPMM charges a fee that is separate, distinct, and in addition to the Advisory Fee we charge. For clients who utilize Betterment,
the Advisory Fee we charge is shared between us and Betterment. For Standalone Accounts, we charge the client 25 basis points
(0.25%) annually, although in some cases we may waive the fee completely. While designating a Standalone Account is done to
benefit the client, we have a conflict of interest in moving the client out of the Standalone Account in order to earn more in Advisory
Fees. In all cases, we must act as a fiduciary and place the client’s interests in front of our own.
Clients may terminate the Advisory Agreement immediately upon written notice. If terminated, any unearned Advisory Fees will be
rebated back to the account through an electronic credit or check to the client. Upon termination, the client will be responsible for
monitoring the securities in their account, and we will have no further obligation to act or advise with respect to those assets. In the
event of client’s death or disability, Wayfinding will continue management of the account until we are notified of client’s death or
disability and given alternative instructions by an authorized party.
For Retirement Plan Services, we charge an annual fee (“Retirement Plan Fee”) as negotiated with the client and as disclosed in the
Retirement Plan Services agreement (“Plan Sponsor Agreement”) and will not exceed 1.25% annually. The Retirement Plan Fee
begins with the effective date of the Plan Sponsor Agreement. For that calendar quarter, fees will be adjusted pro rata based upon
the number of calendar days in the calendar quarter that the Agreement was effective. Our Retirement Plan Fee is billed in arrears
on the last business day of the quarter or as indicated on the Plan Sponsor Agreement. For plans where we are authorized in the
Plan Sponsor Agreement to debit our fee from the Custodian, our Retirement Plan Fee is deducted directly from the participant
accounts. Either party may terminate the Plan Sponsor Agreement at any time upon immediate notice. Clients are responsible to
pay for services rendered until the termination of the agreement.

WAYFINDING FINANCIAL LLC
FEBRUARY 25, 2026 | PAGE 4

Unless the client directs otherwise, we will generally recommend either Charles Schwab & Company (“Schwab”) or Betterment LLC
to serve as the broker-dealer/custodian (“Custodian”) for client assets. Neither Schwab nor Betterment are related entities to
Wayfinding Financial, LLC. Custodian charges transaction fees for effecting certain securities transactions (i.e. transaction fees for
certain no-load mutual funds, individual equity, and fixed income securities transactions, etc.). If the client utilizes a fee-based
annuity, it is important for them to know that fees charged by the insurance company or insurance agencies are separate and in
addition to our Advisory Fees. Some clients may use other custodians in addition to those noted above, for such things as 529 or
retirement plan accounts.
When you open an account at the Custodian or in accounts managed through Pontera, you are responsible for the transaction
charges, fees and other expenses charged by the investments. In addition to our Advisory Fee and Custodian charges (transaction
fees), clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g.
management fees and other fund expenses). Accordingly, the client should review the fees charged by the investments, Custodian,
Third Party Money Managers, insurance companies and agencies and our Advisory Fee to fully understand the total amount of the
fees being paid. Additionally, the investments selected for the clients are not exclusively available to the Advisor and could be
obtained through other unaffiliated firms and potentially at a lower fee.
In some cases, we may have the option to utilize an investment that has no transaction fees (“NTF”). In our decision to purchase any
NTF, we consider our expected holding period of the fund, the position, performance, size, and the expense ratio of the fund versus
alternative funds. Depending on our analysis and future events, NTF funds might not always be in a client’s best interest.

FINANCIAL PLANNING
For our Investment Management clients, financial planning services are included in the Investment Management fees described
above. For stand-alone financial planning arrangements, Wayfinding will charge the client a planning fee (“Planning Fee”) using a
fixed fee.
Our Financial Planning Fee will be agreed upon in advance of services being performed and clearly shown in the Financial Planning
Agreement. The fee will be determined based on factors including whether single or as married or complexity of the client’s financial
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ITEM 7 - TYPES OF CLIENTS
We provide investment advice to individuals, high net worth individuals, foundations, employer sponsored retirement plans,
charitable organizations, institutions, trusts, estates, and broker-dealers. In some cases, we provide investment advice to insurance
companies whose clients have utilized brokerage-based insurance products. We do not have minimum dollar amount to open and
maintain an advisory account with our Firm.