Wealth Navigation LLC

Item 5 – Fees and Compensation

Annual advisory fees are charged to a client and are to be paid quarterly in arrears based on
the average daily balance of the preceding calendar quarter of the client’s account. Fees paid
shall be in accordance with the fee schedule agreed upon by WN and client as illustrated in the
Investment Advisory Agreement executed by the Client. Except to the extent client directs
otherwise in writing, client authorizes and directs the custodian to deduct normal and
customary transaction charges and all fees payable under the terms of the Investment Advisory
Agreement from client’s account as billed by WN. Payment of fees may result in the liquidation
of client’s securities if there is insufficient cash in the Account. Client may be required to pay,
in addition to the Advisor fee, a proportionate share of any mutual fund’s fees and charges. WN
may modify the terms of the Investment Advisor Agreement fee schedules prospectively with
a newly signed agreement or amendment signed by both parties.

Prior to deducting fees from the client’s account, WN will send to the custodian simultaneously,
a bill showing the fee amount. By signing the Investment Advisory Agreement, the Client has
directed the Custodian to pay the advisory fee as instructed by WN or any other third-party
manager on a scheduled basis without any additional prior notice to Client. Custodians provide

quarterly account statements to each client, which show all amounts disbursed from the
account including the amount of the advisory fee and the custodial fee. Fees will only be
deducted where authorized by the client. Service may be terminated for any reason by any
party effective upon receipt of written notice of termination by the other parties to this
Agreement. Any termination fees charged by the custodian are the responsibility of the client.

At Client’s request, handbill or documentation as otherwise required by law, may be generated
by WN and delivered directly to Client via email or regular mail. Client is then responsible for
direct payment to WN.

Advisory fees payable to us do not include all the fees the client will pay when we purchase or
sell securities for your Account(s). The following list of fees or expenses are what you pay
directly to third parties, whether a security is being purchased, sold or held in your Account(s)
under our management. Fees charged are charged by the custodian. We do not receive, directly
or indirectly, any of these fees charged to you. They are paid to your custodian, mutual fund
company or other party(parties).

The fees include:
   • Brokerage commissions
   • Transaction fees
   • Exchange fees
   • SEC fees
   • Advisory and administrative fees charged by Mutual Funds, Exchange Traded Funds
   • 3rd party investment manager advisory fees (if any are used for your account)
   • Custodial Fees
   • Deferred sales charges (on MF or annuities)
   • Odd-Lot differentials
   • Deferred sales charges (charged by MFs)
   • Transfer taxes
   • Wire transfer and electronic fund processing fees
   • Commissions or mark-ups / mark-downs on security transactions
   • Certain fees for private fund offerings ,

Advisory Fees
While fees may be negotiable in certain situations, WN typically uses the following fee
schedule.

Standard Asset Management Fee Schedule
As noted above, annual fees are charged to a client and are to be paid quarterly in arrears based
on the average daily balance of the preceding calendar quarter of the client’s account.

ASSETS UNDER MANAGEMENT                                ANNUAL FEE
Assets under $500,000                                  1.25%
Assets between $500,000 - $1,000,000                   1.15%
Assets between $1,000,000 - $2,000,000                 1.00%
Assets in excess of $2,000,000                         0.90%

The fee described herein compensates Advisor for investment advice, account management
and reporting services only and is separate from other compensation paid by mutual fund
companies. Mutual funds, annuities or index-based depository receipts purchased for a Client’s
account can be purchased directly from the sponsor or exchange without an advisory fee.
However, in the event of a direct purchase, a sales charge may apply, and the client would not
receive the service described herein.

Third Party Manager Fees
Separately managed accounts with outside managers typically include an asset-based fee
which varies by money manager and the services they provide in addition to WN’s advisory fee.
The individualized money manager fee includes brokerage, custody and money manager
services and requires Client authorization via a separate contract.

Generally, WN utilizes TownSquare and Goldman Sachs as a third party managers for a small
allocation of a Client’s total investable assets in the event it is in the Client’s best interest to
invest a portion of their assets directly into a strategy which actively trades equities or fixed
income investments. The cost to the Client for third party managers for investment
management services ranges between 15bps and 65bps, depending upon the strategy and total
assets managed by the third party manager. Again, this third-party manager fee is in addition
to WN’s advisory fee.

Comprehensive Financial Planning
All planning fees are based on the specific planning services provided to the client and the
complexity of the client’s financial situation and goals. A fixed fee is specified within the
personal financial planning contract, and a down-payment of up to 100% of the total fee is
billed to the client when the contract is entered into. Fees charged to clients are outlined in the
Financial Consulting Agreement. This fee is based on the scope of planning and complexity of
the plan being done. Fee will be based on an approximate hourly rate of between $250-$300
per hour.

Depending on the services provided, the delivery of plan(s) range from 60 to 90 days, and in no
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Item 7 – Types of Clients
We provide our services to a number of types of Clients, including:
  • Individuals, including high net worth individuals
  • Trust, estates and charitable organizations
  • Corporations or other business entities
  • Not for profit entities
  • Others as necessary